Coldwell Banker Murray Real Estate, Inc



Posted by Coldwell Banker Murray Real Estate, Inc on 11/21/2017

Home Insurance is a requirement, but it’s also a welcome protection for your most prized purchase. When getting insurance, you probably want a good deal on it. Your aim might be to try and save some money. There’s much more to insurance than cost, however. You need to know that whatever policy you choose will cover what you need and provide the right amounts of protection for those items. 


There’s so many different parts to an insurance policy that indicate the coverage you can have for your home, it can be dizzying. At its most basic form, home insurance protects your home from risk. This includes fire and robbery. Keep in mind that a less expensive policy will provide less coverage for you. Different types of coverage that you should be aware of are:



  • Dwelling Coverage
  • Other Structures Coverage
  • Personal Property Coverage
  • Liability Coverage


These different pieces of a home insurance policy allow for a wide variety of damages things including: Rebuilding your home, coverage that will allow you to rebuild fences, sheds and screen houses, protection if someone is injured on your property, and the insurance of your personal property contained within the home. Some policies will even cover you to live in an alternative place should your home become uninhabitable. 


Check Your Deductibles And Policy Limits


A deductible is how much you’ll need to pay before the insurance company picks up the rest of the bill. Policies with higher deductibles are less expensive to purchase. Yet, if your home does face damage, you’ll have to come up with a lot more upfront to have your home repaired. When you’re comparing home insurance policies, you’ll need to make sure that you have the same deductible amount selected for each separate policy that you’re getting a quote on. The deductible amount that you choose should be one that you’d feel comfortable paying when and if something happens to your home.  


True Comparisons


While shopping by price is a good place to start, you need to compare much more than that. You want to be sure that when you purchase a home insurance policy that you’re actually getting your money’s worth. You need to be mindful of the type of coverage that you get and the amount of deductible that you’ll need to spend in order to get that coverage. It would be tragic for something to happen to your home, only for you to find out that it’s not covered. You pay home insurance for protections, so it’s a great idea to know exactly what you’re paying for and where the safety net is surrounding your home and belongings.





Posted by Coldwell Banker Murray Real Estate, Inc on 11/14/2017

Many people are finding that their paychecks aren't getting them as far as they used to. The cost of groceries is constantly rising, gas prices are creeping back up, and services like cable and wireless seem to increase every with every bill. To keep up with it all, many people opt to put in more hours at work or find a second job. However, if you're not comfortable with sacrificing your free time there are other ways to keep up with the bills. There are many hobbies that can earn you extra income and will help you learn new skills in the process. This article will overview some income-driving hobbies for everyone and show you how to monetize them to help pay the bills.

Sell your photography

Photography is an amazing skill to learn. Once you get past the basics of understanding shutter speed and aperture, you'll find you can take all different types of photos. Many people associate photography with being very expensive, and while it certainly can be, advancements in the technology have made it rather affordable to get started. Once you've learned the ins and outs of your camera, there are a few ways to earn money from photography. If you have an eye for detail and setting things up, you could try selling stock photography online or taking product photography for local crafters. If you're more of a "people" person, then portraits might be more of a rewarding hobby for you. Graduation photos and family portraits are both good ways to learn the basics. Eventually you could try out being a second shooter at a wedding; meaning you work with a professional wedding photographer to help them get more shots of the wedding and reception. As you improve and build experience, you can increase your prices.

Build things people will love

When I was younger my father worked full-time and when he came home the first thing he did was head outside to start working on whatever building project he had going on. Sheds, picnic tables, tree houses... there's no end to the types of things you can build in your backyard. Getting money for your hard work is easy in the age of the internet. Most important, though, is that you're building things people will love. Pinterest is packed with ideas and YouTube full of tutorials when it comes to inspiration and learning. Once you've completed your project you can put in on your local Craigslist, a Facebook group, or even in your front lawn with a For Sale sign.

Blogging and copyediting

Would you be the first one to notice if there was a typo in this article? Do you find yourself occasionally thinking, "That would be a really good topic to write about"? Blogging and digital copyediting are two growing markets with a lot of opportunity for those of us with a passion for the written word. To work with existing businesses there are several websites that allow you to market your services online. Pick a topic that you're interested in or one you're already an expert at, and reach out to companies in that industry. If you're more of the DIY type, make your own blog with the help of a site like WordPress. Once you build a readership, you can monetize with ads and sponsors.




Tags: hobbies   money   finance   bills   income   photography   carpentry   writing  
Categories: Uncategorized  


Posted by Coldwell Banker Murray Real Estate, Inc on 11/7/2017

Change is a part of the world. Wherever you look, you will spot change. Look in the mirror and you'll see how your appearance has changed from your childhood days, maybe even from when you were in college. What doesn't always seem easy to change is the way that your house looks.

Interior designers are great house transformers but they are expensive

Bringing change to your home's interior often comes at a price. At the low end, you could easily pay several hundred dollars for an interior designer's services. An interior designer can run you several thousand dollars at the high end.

Hire the right interior designer and your home might look so inviting, open, classic, trendy or elegant that you wonder if you're living in the same house. Path to this type of transformation starts with vision. It also starts with a workable budget and a lot of work. In fact, it could take several weeks to transform a house's entire interior design.

But, that's the long way. Here are three overlooked house changers that only take a few hours to pull off. These three house changers don't require hours of pre-work. They also don't require the assistance of an experienced interior designer. In fact, you can give your home a new look for a fraction of one paycheck by:

  • Replace existing lamps - Remove old lamp shades and replace them with newer, more chic or elegant lamp shades. You can also replace entire lamps, going with metal, halogen, incandescent, long and narrow or oblong lamps.
  • Install new carpet - Install new carpet across an entire room and you can lighten or darken your home. A less expensive way to change the interior design of your house using carpeting is to place one to three throw rugs on the floor. Hand woven, printed, sheepskin, cotton and wool throw rugs are popular types of throw rugs that you could use. Looking to save money? Go with throw rugs that you buy at flea markets or outlet stores.
  • Take the new chair route - Place arm less chairs in room corners. Replace traditional kitchen chairs with stylish leather arm less chairs. Also, be open to putting a chair in a room that is currently absent a chair, rooms like your master bedroom, basement or guest bedroom.

Year round care and creativity do wonders for a home

Performing regular maintenance on your house helps to keep your home functioning at optimal levels for years. Care that you give to your outdoor spaces can turn your property into an amazing outdoor entertainment spot. Summers can be spent hosting barbecues, family gatherings and once in a lifetime celebrations.

Regular maintenance and care for your home is one of the best ways to keep your property values up. Yet, maintenance and care don't change the way that your house looks. To give your home a new look, you may have to transform the interior design.

Traditional interior design options can run anywhere from several hundred to several thousand dollars. Fortunately, there are workarounds. Get creative and stay open to new ways to alter the look and feel of your home. Also, be open to implementing three overlooked house changers.




Categories: Uncategorized  


Posted by Coldwell Banker Murray Real Estate, Inc on 10/31/2017

As anyone up-to-speed on technology knows, social media is everywhere. And it’s a powerful tool—if used properly. You can share information in real-time and receive real-time responses and reactions. Therefore, you should be using social media to your advantage when selling your home. You’re probably wondering what social media has to do with selling a home, right? Well, let’s take a look at a couple ways where social media will not only come in handy, but might just help sell your home in real-time.

1. Post your listing

It’s very likely that your listing will be posted on many real-estate sites and even on social media. This is your opportunity to capitalize on that posting and post on your own social media channels.  Consider posting to Facebook, Twitter and even Instagram. By doing this you are increasing the views that your listing will receive and increasing the likelihood that the right buyer will see your home. And all it takes is one person to love your home for it to sell.

2. Ask your friends to share

Word of mouth goes a long way. Technology’s way of word of mouth is through sharing on social media. And if you want to maximize the amount of people who will see your listing, ask your friends to share the posting—they may even add a little note to their share, which (if positive, hopefully) will only help.

3. Give them a reason to love your home

Add a personal message when sharing your listing. Tell the story of how your daughter took her first steps in the family room or how you felt the first time you walked through the front door. Giving that personal touch will bring positive feelings of your home. It will give the potential home buyer the thoughts of all the firsts that they could experience in that home.

Of course, social media will not sell your home. You should be taking the proper steps suggested by your realtor to get it in optimal shape for selling such as making small updates, decluttering, and removing overly personal items. You should also have great photos of your home for the listing. The photos will make a world of a difference when buyers are looking online. It could make or break whether they even consider your home or attend a showing.

If selling your home is timely then social media should bean important component to your selling strategy. It’s the age of technology and every generation is on social media in some respect, especially the millennial generation. And it’s important to pay attention to the millennials as more and more will begin the home buying process. It’s essential to be where they are and for most, they’re on social media.





Posted by Coldwell Banker Murray Real Estate, Inc on 10/24/2017

When you have kids, the dynamics of your home change. You often go from refined to durable. If we looked at flooring from a simply practical standpoint, we’d end up with uncomfortable flooring's like ceramic, laminate, or engineered wood. That’s why carpets come in handy.  


For one, children spend a lot of time playing on the floor. When you put down a carpet and there are children around, you fully expect that there will be spills, blood, and much roughing around done right on the surface. So, you’ll need to choose your fibers carefully when picking a carpet out. 


Know that polyester, nylon, and triexta are among the most durable types of fibers. Stay away from wool carpets, as they are really not the best choice for homes with children. Polyester (also known as PET), is a budget friendly, and environmentally friendly type of carpet that provides stain resistance and a long life. Nylon is known for durability and softness. This is another material that’s great if you want a carpet with a long life. Triexta is a unique fiber that provides the highest amount of stain resistance and really will be soil-free. 


Modular Carpeting


There is another option when it comes to carpeting and that is modular carpeting. This type of carpeting can be laid out in the form of tiles. If a piece is soiled, stained, or ripped, you’ll be able to just switch out that piece of the carpeting puzzle if it can’t be cleaned. This is an option for homes with children, however, it’s not a popular choice in residential settings. Generally, modular carpeting is used in commercial settings like office buildings, and indoor public places like shopping malls. This can be a good option for you depending on the size of your home and your needs. If you have a room that’s completely dedicated to children, like a playroom, for example, you could use a modular carpet.


Treating The Carpets


There is an option to have your carpets pre-treated with a Scotchgard like chemical. This is also available for your furniture. It helps to prevent your furniture and carpets from stains and soiling, surrounding each fiber for a total protection. Once a fiber is treated, it will never wash or wear off. It’s a good option to treat your home with this especially when you have children.


Whether you decide to do wall-to-wall carpeting or simply place some area rugs around in order to make the floors of your home more durable and comfortable for children, you have some options to take the curse off of the inevitable mess that children will make.




Tags: carpet care   kids  
Categories: Uncategorized  




Tags