Blog

Tips to Prevent Mold Damage to Your Home

Posted on April 19, 2017April 15, 2017 by agentinsure

Mold can cause severe damage and time-consuming, costly repairs to your home. Save your time and money by addressing these suggestions to rid your house in the Cypress, TX area before it takes hold.

Use a critical eye to eliminate unnecessary clutter, especially around airflow points that prevent your HVAC air circulation.
Controlling your indoor climate by setting the thermostat at 78 degrees F to prevent the air conditioning unit from dehumidifying during humid summers.
Make sure our AC unit is the proper size for your home. If it’s too small or large, it will not run efficiently and can lead to mold.
When running the AC, shut windows and doors to prevent humidity in the air that leads to condensation and mold.
Monitor the indoor humidity level in humid climates and keep it below 60 percent to prevent mold growth.
If the humidity level regularly is above 60 percent, check your AC is working properly. For example, is the temperature correct, is it cycling periodically, does it blow cold air, and are the coils clean?
Watch for standing water or dampness around sump pumps, freezers, hot water tanks, refrigerators, windows, and basement doors.
If groundwater is an issue in your area, cover the crawl space floor with a plastic barrier to trap the moisture in the ground and keep moisture vapor from rising into the home.
Consider using a dehumidifier if you have high humidity regularly.

InsureUS

At InsureUS in the Cypress, TX area, we understand how difficult it can be to fight indoor mold. We have a commitment to helping you keep your home safe and mold-free for your family, and help you ensure that you have the home insurance coverage necessary.

Distracted phone users drive up insurance prices

Posted on April 14, 2017March 8, 2017 by Victor Varma

Car insurance rates are going up and you can blame the smartphone.

Insurers expect rates to rise by 8 to 11 percent in 2017 as auto accidents rise along with distracted driving.

Auto insurers say distracted driving is so bad that they are beginning to see many auto accidents with no skid marks, according to the Wall Street Journal. The drivers literally never saw it coming.

Experts expected accidents to drop and rates to lower as car-makers adopted higher tech protections, but that has not happened.

According to Allstate Corp., the striking correlation between smartphone ownership and accidents is because people do more than talk on the phone when they are driving. Maybe talking was bad enough, but now drivers are making videos, texting and using the Internet.

Virtual reality headsets pose safety concerns

Posted on April 7, 2017March 8, 2017 by Victor Varma

For kids and young people, the top item on their list of fun things to have is probably a virtual reality kit, but according to one tech writer VR comes with a load of safety issues.

According to Scott Stein, writing for cnet.com, VR is amazing but it isn’t especially safe.

Stein points out that when VR technology is demonstrated to tech writers, it is always in an empty demo room with a staffer standing behind each person to prevent trips and slips. But nonetheless, trips happen.

Among Stein’s concerns:

VR-induced nausea – Although developers are working on this, players may frequently develop nausea in their immersive experiences. Taking breaks can help limit fatigue, nausea and dizziness.

Blind and deaf in the real world – The standout safety feature of VR is that the user is immersed in unreality while reality still exists in the form of walls and objects. Also people and pets. Stein recommends no pets or people in a room where someone is playing VR. There is no way to see toddlers or pets. No way to see the location of the coffee table or television set. If you draw the boundaries for your VR game incorrectly, you stand the chance of punching a wall.

Tripping over wires – With VR you can even lose the sense of where your own body is. Imagine how difficult cables will be in that situation. VR gaming systems may have cables leading back to gaming sets. When you play, you can’t see the cables. You don’t even have a sense of where your body is in relation to itself.

Eye damage – Users have reported troubling side effects of having an image 1 inch from their eyes. Eye strain is documented. After images are possible, so when you look out into the real world, you see images of the game. More studies are coming.

Interest rates, production costs, and regulations have made new cars cost more.

Posted on March 24, 2017February 20, 2017 by Victor Varma

Interest rates, production costs, and regulations have made new cars cost more.

According to Experian, the average consumer pays $495 for a new car loan. That is more than the $447 they paid in 2008. The average interest rate in the third quarter of 2016 was 4.69 percent, compared to the higher rate of 6.14 percent in 2008.

Consumers were financing more car in 2016 than in 2008 — up to an average of $30,022 compared to $24,600 for 2008.

The cost of cars is also higher. In fact, according to Autotrader, about 3 million new cars should have been sold last year, just looking at population growth.

Part of the problem, says Heritage.org, is that new regulations press car prices up, just as new technology actually pushes prices down.

The price of a new vehicle is more than $7,000 higher than 2008, Heritage says. It points to new, costly fuel economy standards that are driving prices up.

Prices are also under pressure at the dealer level. According to Automotive News, franchised new-car dealers in the U.S. spent a combined $3.2 billion in 2012 to meet 61 new federal regulations. Those costs are passed along to consumers.

Stop Bad Driving Habits

Posted on March 23, 2017April 15, 2017 by agentinsure

Bad driving habits can result in injuries to you as well as cause significant damage to your vehicle. The independent agents in Cypress, TX at InsureUS would like to inform you on ways you can stop bad driving habits in order to keep you and your vehicle in good condition.

Riding on “E”

Lately, gas prices have soared, so you want to wait until it’s absolutely necessary to fill up the tank. This may cost you more in the long run. By letting your tank completely empty before a refill, you’re risking damaging your fuel pump. You could also end up with residue or sediment in the gas tank. Any residue could clog the fuel injector and cause further engine issues.

Accelerating and Stopping too Fast

You may have the urge to speed off after the light changes, but doing this could damage your car. If you speed up and then stop quickly, this could also cause unnecessary car trouble. By revving the engine, you’re essentially burning more fuel than you need to. In addition, stopping hard can cause extreme wear on your braking system as well as burn the rubber on your tires.

Driving Without a Seatbelt

By simply wearing a seatbelt, you may be able to prevent a considerable amount of bodily injury. In a collision, your seatbelt is meant to keep you from crashing into the steering wheel and windshield. Although airbags are also a helpful preventative measure, they are designed to work in tandem with seatbelt in order to minimize impact to the driver and the passengers.

You can ask the independent agents at InsureUS other ways in which you can stop bad driving habits. They service the Cypress, TX area and can help you with your current or new auto insurance policies.

The points that can make your home sell fast.

Posted on March 16, 2017February 20, 2017 by Victor Varma

The points that can make your home sell fast.
Remember that when you bought your house, you went that extra mile to get the right house in the right school district and right neighborhood.
Now when you want to sell, all those considerations will help to make a quick sale.
In fact, the keys to your deal to sell your house today will still be the things that make your house attractive to buy:

Popular neighborhood
School district
Your home’s condition
The price you set
And flexibility

It’s a lucky homeowner who has all those elements on the plus side and, in fact, at least three of those key elements are in your control.

Your home’s condition is crucial, of course. You’ll want to fix up the outside for maximum curb appeal. Curb appeal is nothing more than the bringing out the pretty in your home: Making your landscape, entrance and outside condition look great from the street. But it is critical to get buyers in.

Once you get buyers in, you’ll want to make sure the bones of the house stand out and not the photo of Uncle Ed. So clear out the personal items and make your home a canvass for a new buyer’s imagination.

You can’t do much about the popularity of the school district and neighborhood. But, both hold their attraction over a period of many years. So it is likely that you are still situated in a popular environment.

What remains are price and flexibility, and the two go hand-in-hand.

Good pricing is crucial. Your real estate agent will help you come up with a price that is in line with comparable homes in the neighborhood. Online tools can give you an idea of what your home is worth, but no instant price can tell you the true value.

Some of the price will be determined by how brisk the local real estate market is. In an area with few houses on the market and many buyers, sellers have an advantage in price. In an area with many houses on the market but few buyers, then buyers will certainly have an advantage in price.

Your flexibility could also affect the price. If you must sell now, you might not be able to wait for the best offer. If you can afford to wait, you can review a number of offers before you make your decision.

Poison Centers are your lifeline in an emergency

Posted on March 10, 2017February 20, 2017 by Victor Varma

Poison Centers are your lifeline in an emergency
Millions of people use the services of a poison center when faced with a poisoning emergency.

Set up to provide expert advice and information to healthcare professionals and the public, the 55 poison centers around the country, are available 24 hours a day, all-year-round. Specially trained nurses, pharmacists, and doctors offer a free and confidential service that includes interpretation services in 161 languages, emergency advice, as well as, the provision of educational materials on poison prevention and treatment.

According to data collected between 1980 and 2008, poisoning is the leading cause of injury-related death in the US. Coming into contact with a dangerous or potentially dangerous substance is called an ‘exposure’ and in 2014, there were about 2.2 million exposures and a call to a poison center every 11 seconds, Almost half of these exposures involved children under the age of 6, though the more serious cases occurred among adolescents and adults.

More than 75 percent of recorded exposures are unintentional and according to the 2015 annual report of the American Association of Poison Control Centers (AAPCC). The top 5 substances that affected adults were analgesics, household cleaning substances, cosmetics/personal care products, sedatives/antipsychotics, and antidepressants. Cosmetics, household cleaners, analgesics and foreign bodies/ toys were among the substances that affected children. Most exposures involve ingesting something harmful but also include inhalation and contact with the skin and eyes. People also call the poison center in the event of insect bites and carbon monoxide poisoning.

One of the roles of poison centers, which are partly financed by congressionally mandated federal funds, is to collect real-time data to help detect possible public health emergencies.

Recent studies have seen a rise in the annual rate of calls to poison centers related to cannabis exposure and an increased risk of unintentional cannabis ingestion and overdose by children. Data collected between 2000 and 2013, show that rates of cannabis exposures in children under the age of 6 in states where medical cannabis was legalized before the year 2000 were more than 2.82 times higher than in those where the drug remained illegal in 2013.

Signs That You Need To Replace Your Roof

Posted on March 3, 2017February 20, 2017 by Victor Varma

Signs That You Need To Replace Your Roof
Studies show that most homeowners don’t know the right time to replace their roof. This puts them at the risk of getting injured in the event the top crushes. To help you out, here are signs that the top of your house is ripe for replacement:

It’s already too old
Experts report that top of the house can last up to 25 years. If your top is of this age or older, it’s time to think of replacing it. If you aren’t sure you should hire a professional to inspect it. If it’s in bad shape and puts your home and family members at risk, you should hire an expert to replace it.

The top is leaking
Most of the leakages can be fixed without having to replace the entire house top but if your top is leaking, it’s a sign that top is worn out and you should give it some attention. When the top of the house is leaking, it means that the flashing is damaged and you should replace it. When you notice a leak, you should have it fixed as soon as possible. This is because the leak allows a lot of water into the top that promotes the growth of mold which reduces the lifespan of the roof.

The shingles have buckled or curled
Curled or buckled shingles expose your home to outside elements. They also put your house at the risk of shingle blow-offs in the event of a storm. Two of the main reasons for buckled shingles are old age and moisture. To keep your family safe, you should replace your top when your see curled shingles.

There are algae on the top of the house
Algae are always in the air but germinate when they land on damp surfaces. If your top has moisture, the algae will grow and feed on the roof which weakens the top and over time, the top can come down. You should inspect the extent of the damage and if it isn’t that much, you should scrub off the algae from the top of your house. You can also remove the algae using zinc strips.

The chimney is leaking
The chimney should be properly flashed for it to work properly. If the chimney is leaking it means that the flashing isn’t properly connected to the top of the house. In most cases, this problem comes about when the top is deteriorated and needs repair. You should work with your contractor and confirm if you can fix the flashing. If you can’t, you should replace the entire top of the house.

You are having high energy bills
High heating and cooling bills mean poor ventilation and insulation brought about by a poor performing roof. You should ask a contractor to inspect the top and if in bad shape, replace it.

Conclusion
These are some of the signs that your roof needs to be replaced. To make the decision, you should hire an expert to first inspect the top of the house. For ideal results and for the unit to last for a long time, ensure that the new unit is of high quality.
Article Source: http://EzineArticles.com/expert/Satvik_Mittal/1728302
By Satvik Mittal | Submitted On January 31, 2017

Basic Social Security strategies for couples

Posted on February 24, 2017January 14, 2017 by Victor Varma

Social Security is, like many government programs, rife with confusion.

For those nearing retirement age, it would be wise to plan now to create the benefits strategy that will maximize their retirement income while allowing them to enjoy life how they wish.

Most experts, such as those at USA Today, recommend using benefit optimization software or an advisor to find the ideal outcome since there are a myriad of situations that affect benefits.

Maximize Benefits by Delaying (70/70)
Mathematically, delaying social security benefits until both partners have reached the age of 70 will normally maximize potential benefits. This is true because according to the Social Security Administration, benefits rise an average of 8 percent per year (for those born after 1943) for each year delayed past full retirement age until the age of 70.
Delaying will ensure the maximum possible income for both partners.

The 66/70 Strategy
This strategy works best if both partners are about the same age and have earned similar incomes throughout their careers. In this scenario, it could be best to use what’s called a restricted application.

Forbes outlines the plan by explaining that one partner will first file for benefits promptly at age 66. Immediately after that, the other partner will file a restricted application for spousal benefits (50 percent of the other partner) and begin collecting those. Meanwhile, the second partner will receive benefit increases over the next four years while they continue to work.

After four years, the second partner files for their own benefits which will end their spousal benefit and put both partners on their own full retirement amounts. If both partners are destined to live a very long life this strategy may not be ideal, but it does offer a good mix of income and life enjoyment!

An Argument for Claiming Early
Most experts agree that claiming social security benefits early is a poor choice, but Fidelity Investments says it can make sense in some cases. If one or both partners are experiencing health issues or expect to have a shorter life expectancy for any reason it might be worthwhile to take benefits as soon as possible to maximize enjoyment during those non-working twilight years!

3 Reasons To Shop Home Insurance In Cypress

Posted on February 23, 2017February 19, 2017 by agentinsure

Being a home owner in Cypress, TX has its benefits. You want to be a responsible homeowner and this means shopping for home insurance. You don’t want the first policy offered to you. Instead, it’s best to make some comparisons. When you know more about why you should shop for home insurance, it will be easier to do it.

It’s Affordable

It might seem time consuming to shop home insurance in Cypress, TX. However, when you work with one of our agents at InsureUS, we will be able to help you find competitive premiums. This will ensure you have an affordable premium to enjoy through the year. Plus, you don’t have to do all the research with the individual insurance companies.

There are Many Options

There are more options than you might think with home insurance. This includes getting the coverage where you need it the most: your belongings, your home, and for liability. Not all insurance companies offer the same level of coverage. This is why it’s important to take the time to shop the various options so you have what you need.

You Need Financial Protection

Financial protection is a must when you’re a homeowner. Unfortunately, things happen all the time. You can’t predict if a storm is going to damage your roof or someone’s going to break into your home and steal all of your valuables. The reason for shopping home insurance is to get a good premium that you can rely on. When you have financial protection in place, it will make it easier to contact the insurance company to file a claim. They will then take care of you so that you don’t have to spend a fortune out of pocket.

Learn more about shopping for home insurance and to get help every step of the way by contacting InsureUS today.