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Showing posts with label Fort bragg. Show all posts
Showing posts with label Fort bragg. Show all posts
Tuesday, November 13, 2012
Adorable Starter Home in Montibello!
Friday, November 18, 2011
Great Kings grant location in Pine Forest school district!
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Wednesday, November 16, 2011
4 Bedroom, 3 Bath Home in quiet gated golf community!!
Litchfield Realty
(910) 476-4267
For sale by agent/broker
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Monday, October 24, 2011
Brand new 7br/5+3ba in Angier, NC!!
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Fireplace
Thursday, October 20, 2011
Why You Need Renters Insurance
Your stuff isn't protected by your landlord's policy, so make sure you have the coverage you need.
By Cameron Huddleston, Contributing Editor, Kiplinger.com
October 11, 2011
Just because you're renting your apartment or home doesn't mean you're off the hook when it comes to insurance. Your landlord's property insurance policy will cover the building if disaster strikes, but it won't cover your belongings. That's why you need renters insurance.
This affordable insurance -- a policy costs less than $200 a year, on average -- covers renters against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm and water damage (not including floods), according to the Insurance Information Institute (III). If your home is damaged by a covered event and you have to live somewhere else, most policies will reimburse you the difference between your additional living expenses and normal living expenses. Plus, renters insurance helps cover legal costs if you're taken to court because someone is injured at your home.
If you don't have a policy -- 57% of renters don't -- here's a checklist from III to help you choose the right coverage:
Figure out how much coverage you need for your possessions. Create a home inventory to determine the value of all of your belongings (furniture, electronics, clothing, jewelry, etc.). A replacement-cost policy will pay to replace your possessions (up to the policy's dollar limit), whereas a cash-value policy will pay only what the items are worth when stolen or damaged. Expect to pay about 10% more for replacement-cost coverage. If you have expensive jewelry, collectibles or art, consider adding a floater to your policy to provide more coverage. Standard policies offer only a limited amount of coverage for these items. You'll need receipts or appraisals for items to be covered by the floater.
Understand the deductible. The deductible is the amount you'll pay out of pocket before insurance kicks in. The larger the deductible, the lower your premium. So if you can afford a $1,000 deductible, you'll cut your premium by as much as 25%, according to III. But considering how inexpensive renters insurance is, the savings might not be worth the large amount you'll have to fork over to pay a high deductible.
Know what disasters are covered. Although losses from fires, lightning, windstorms, theft, vandalism, explosions and certain types of water damage are covered, standard policies don't cover floods or earthquakes. You can get flood insurance through the federal government's National Flood Insurance Program, and check with your insurer about getting separate earthquake policy.
Make sure you get enough liability coverage. Most policies provide at least $100,000 of liability coverage (if someone sues you) and about $1,000 to $5,000 worth of medical payments coverage (which allows someone who gets hurt on your property to submit medical bills to your insurance company). If you need more than $300,000 worth of liability coverage, consider getting an umbrella policy for an additional $150 to $300 a year for $1 million worth of coverage (see Why You Need an Umbrella Policy).
Be aware of limits on living-expense reimbursements. Although most policies will help renters pay for living expenses if they have to live elsewhere as a result of property damage, insurers will either limit the amount of time they'll provide coverage or place a cap on the amount that they'll pay.
Ask about discounts. Many insurance companies offer a variety of discounts. For example, you might have to pay less if you have a security system, smoke detectors and deadbolt locks. Insurers also offer discounts to customers who have multiple policies with them, have good credit or are 55 or older. So be sure to ask about ways to lower your premium.
You can compare costs for different policies at Web sites such as NetQuote.com and InsWeb.com. If you have a roommate, ask whether the insurer will allow you to purchase a single policy for both of you (then you can split the cost).
Read more: http://www.kiplinger.com/columns/kiptips/archives/why-you-need-renters-insurance.html#ixzz1bEdbdCaR
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Friday, October 7, 2011
6 cures for the small-kitchen blues
Expand your kitchen without breaking the bank using these simple solutions from Money Magazine
Money Magazine
By Josh Garskof, Money Magazine contributing writer
October 26 2007: 7:44 AM EDT
(Money Magazine) -- Sure, you order takeout three nights a week, and preparing a burger tests the limits of your culinary know-how. But that doesn't mean you don't need and deserve a spacious kitchen. After all, the kitchen has evolved from a room where food is prepared to the hub of a house, where you do everything from eating casual meals to paying the bills and helping Junior with his algebra homework.
Plus, as long as you stick within the norms of the neighborhood, a kitchen expansion is one of the best ways to increase your property value, says Omaha appraiser John Bredemeyer, a spokesman for the Appraisal Institute. "A lot of people buy the kitchen and take the house that comes along with it," he says. "So going from a cooking kitchen to an entertaining kitchen is likely to pay for itself when you sell your house someday."
Best of all, you don't necessarily have to shell out the $50,000 to $100,000 cost of a kitchen addition. Here are some money-saving tricks for enlarging the kitchen - or at least making it seem bigger: Reconfigure the eating area
Having a place to eat in the kitchen is essential, but even a 3�-foot-wide round table takes up a 10-foot-by-10-foot floor space to comfortably accommodate walking around it, says Denver architect Doug Walter. So consider these space-conserving alternatives:
* Lose the table You could replace it with a diner-style booth ($2,000 to $5,000), which needs just six feet by eight feet of floor space and can be set directly against the wall or in an alcove. Or let a new countertop double as a breakfast bar by overhanging it 15 inches off a peninsula or an island. Opt for backless stools, and they can be tucked almost entirely under the counter.
* Use the dining room If you rarely eat a meal in the dining room, consider knocking down the wall separating it from the kitchen to form an attached, everyday eating area. That costs about $1,500 (if you have to move a structural wall, it will cost another $4,500). You'll lose cabinets, but if you put a peninsula in the wall's place, you'll retain some storage space.
Maximize the space
Sometimes kitchen congestion can be resolved by updating an old-fashioned floor plan that's chopping up ample square footage with too many walls and other obstructions.
* Annex other spaces Walk-in pantries, mudrooms and laundry rooms that abut the kitchen are often worth sacrificing for an expanded kitchen, says Charlotte, N.C. contractor John Harmon. Construction costs can be as little as $2,000, depending on the situation. And thanks to stackable laundry machines that can be tucked away in a closet and cabinets that can store as much as an entire closet in a fraction of the space, they won't be missed.
* Move the sliders Replacing sliding-glass patio doors with a single swing-out door ($3,000 to $4,000) or relocating your backdoor out of prime kitchen territory ($5,000 to $7,000) can free up vital wall space for new cabinets and a countertop without adding any floor space.
Add on economically
If the only solution is more physical space, you may be able to do the job for less than the $400-a-square-foot (or higher) cost of a full-scale kitchen addition and remodel.
* Add adjacent living space If what you really need is an eating area or a space next to your existing kitchen, build a family room, den or great room alongside it. The open floor plan will make the kitchen seem bigger, and the person cooking (or microwaving, as the case may be) will feel like part of the household activity. And because the new space won't require all the labor and materials involved in reconstructing a kitchen, the project will cost about $200 a square foot.
* Hang a bump-out If your plans for the kitchen require just a little more room, you may be able to hang the space off the side of the house by suspending the additional square footage from the existing structure, much like a bay window. As long as the bump-out doesn't extend more than three feet beyond the main exterior wall, it should easily cost $2,000 less than if the contractor had to excavate the yard and pour a new foundation, says Walter.
Whatever technique you use to expand your kitchen, once it has an open, spacious feel, it's sure to become an even more popular hangout. Heck, it might even inspire you to break out a cookbook.
(Money Magazine) -- Sure, you order takeout three nights a week, and preparing a burger tests the limits of your culinary know-how. But that doesn't mean you don't need and deserve a spacious kitchen. After all, the kitchen has evolved from a room where food is prepared to the hub of a house, where you do everything from eating casual meals to paying the bills and helping Junior with his algebra homework.
Plus, as long as you stick within the norms of the neighborhood, a kitchen expansion is one of the best ways to increase your property value, says Omaha appraiser John Bredemeyer, a spokesman for the Appraisal Institute. "A lot of people buy the kitchen and take the house that comes along with it," he says. "So going from a cooking kitchen to an entertaining kitchen is likely to pay for itself when you sell your house someday."
Best of all, you don't necessarily have to shell out the $50,000 to $100,000 cost of a kitchen addition. Here are some money-saving tricks for enlarging the kitchen - or at least making it seem bigger: Reconfigure the eating area
Without walls: When the dining room and kitchen are part of the same open space, the room feels larger.Having a place to eat in the kitchen is essential, but even a 3�-foot-wide round table takes up a 10-foot-by-10-foot floor space to comfortably accommodate walking around it, says Denver architect Doug Walter. So consider these space-conserving alternatives:
* Lose the table You could replace it with a diner-style booth ($2,000 to $5,000), which needs just six feet by eight feet of floor space and can be set directly against the wall or in an alcove. Or let a new countertop double as a breakfast bar by overhanging it 15 inches off a peninsula or an island. Opt for backless stools, and they can be tucked almost entirely under the counter.
* Use the dining room If you rarely eat a meal in the dining room, consider knocking down the wall separating it from the kitchen to form an attached, everyday eating area. That costs about $1,500 (if you have to move a structural wall, it will cost another $4,500). You'll lose cabinets, but if you put a peninsula in the wall's place, you'll retain some storage space.
Maximize the space
Sometimes kitchen congestion can be resolved by updating an old-fashioned floor plan that's chopping up ample square footage with too many walls and other obstructions.
* Annex other spaces Walk-in pantries, mudrooms and laundry rooms that abut the kitchen are often worth sacrificing for an expanded kitchen, says Charlotte, N.C. contractor John Harmon. Construction costs can be as little as $2,000, depending on the situation. And thanks to stackable laundry machines that can be tucked away in a closet and cabinets that can store as much as an entire closet in a fraction of the space, they won't be missed.
* Move the sliders Replacing sliding-glass patio doors with a single swing-out door ($3,000 to $4,000) or relocating your backdoor out of prime kitchen territory ($5,000 to $7,000) can free up vital wall space for new cabinets and a countertop without adding any floor space.
Add on economically
If the only solution is more physical space, you may be able to do the job for less than the $400-a-square-foot (or higher) cost of a full-scale kitchen addition and remodel.
* Add adjacent living space If what you really need is an eating area or a space next to your existing kitchen, build a family room, den or great room alongside it. The open floor plan will make the kitchen seem bigger, and the person cooking (or microwaving, as the case may be) will feel like part of the household activity. And because the new space won't require all the labor and materials involved in reconstructing a kitchen, the project will cost about $200 a square foot.
* Hang a bump-out If your plans for the kitchen require just a little more room, you may be able to hang the space off the side of the house by suspending the additional square footage from the existing structure, much like a bay window. As long as the bump-out doesn't extend more than three feet beyond the main exterior wall, it should easily cost $2,000 less than if the contractor had to excavate the yard and pour a new foundation, says Walter.
Whatever technique you use to expand your kitchen, once it has an open, spacious feel, it's sure to become an even more popular hangout. Heck, it might even inspire you to break out a cookbook.
Thursday, October 6, 2011
Desirable 4bdrm/2ba Home in Pine Valley
Desirable Pine Valley Subdivision, this home features: 4 bedrooms, 2 baths, Greatroom with wood burning fireplace, spacious kitchen with new s.s. appls, lots of cabinet space and pantry, den/study, formal living and dining room, master suite with huge Walk-In-Closet, master bath with dual vanities, separate shower, garden tub, privacy fenced backyard, sprinkler system in front and back, alarm system, sellers putting in new carpet soon! Space++ This home has no steps so it is handicapped accessible. Seller will provide a 1 year home warranty to new owners. Visit my website at www.ask4patty.com to view this home or any homes available in Fayetteville NC, Fort Bragg NC, and the surrounding areas or call Patty at 910-222-3366.
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