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As data breaches go, this is one of the most extensive. What steps should you take now in response to the massive Equifax data breach?             The sensitive information of almost half of all Americans has been compromised, all because the company safeguarding that information reportedly failed to upgrade and update software despite being warned to do so. To make it worse, company execs sold millions in stock after the breach, but before they told the public what had…

The Internet is full of checklists and resources to use if you are planning to move. There are packing timelines. There are lists of packing supplies. There are even directions on how to pack boxes. But moving is much more than purging and organizing your personal affects. There are legal tasks you need to take care of too. Here are 5 legal tasks to complete when you move: Read your leases: Review your current lease to make sure you will not get into trouble for leaving. You are responsible for paying rent for the entire lease term, even if you…

When reclining on South Florida’s sandy beaches there’s no need to feel that tug of guilt about your best friend back home.   Your dog could be right here with you, frolicking in the blue-green waters of the Atlantic, or fetching a ball or Frisbee on one of South Florida’s dog-friendly beaches. Remember to always have plenty of water on hand for your pets to avoid dehydration, which can sneak up on humans and dogs alike in Florida’s heat all year round. Seek out frequent breaks for your dogs in the shade while visiting dog-friendly beaches in Florida, and consult with…

If a flood swamps your home, will insurance cover the damage? That depends on the value of your home, the amount of water damage and whether you have a flood insurance policy. Let’s look at some persistent myths about flood insurance. Myth: You must live in a flood plain to get coverage. If you live in a flood plain, your mortgage company will likely require you to buy flood insurance. But you can purchase it even if you don’t live within a flood zone. “Almost anybody can get flood insurance who wants flood insurance,” says Chris Hackett, director of personal lines for…

Now that the clocks have SPRUNG AHEAD it is a good time to think about Spring Home Maintenance.  As current homeowners you need to keep your home systems and property in good condition so that the small maintenance issues do not become major and expensive repair items.   Do not read this list and become overwhelmed, it is an extensive list meant to cover basic home maintenance. Not all of these maintenance items will apply to all homes.  This is a comprehensive guideline designed for homes in the South as well…

You’ve found the perfect new home for your family, but your current house hasn’t sold yet. You can’t afford to carry two mortgages, or maybe you were counting on money from your sale to help with the down payment and closing costs. Before you let that dream home slip away, consider these strategies to help bridge the transition: Make an offer that’s contingent on the sale of your house: A seller may be persuaded to accept your offer with the caveat that you’ll have to sell your house before closing on theirs. You’ll strengthen your chances of getting…

Flipping is when real estate investors buy real estate and then resells them at a profit months down the road. Can you make money doing this? Yes. Can you make a lot of money doing this? Yes. But you can also lose everything you own if you make a bad decision….Absolutely! A renovation can be an overwhelming experience with high stakes. Investors must create an overall vision for the project, gauge its financial feasibility, build a reliable team that includes a Realtor, contractors, lender, accountant, insurance agent, designer or architect, and attorney or Title Company, be highly capitalized, and hope that their…

Florida, Georgia and North Carolina residents affected by Hurricane Matthew will begin surveying damages to their property and belongings. Florida Chief Financial Officer Jeff Atwater and Insurance Commissioner David Altmaier put together the following tips to help Floridians begin the process of filing insurance claims for damaged property and belongings and this may prove useful to residents in other states as well: Tip 1: Locate all applicable insurance policies. This may include a homeowners’ policy, flood policy (flood coverage is not covered under a typical homeowners’ policy and is separate coverage), and an automobile policy (may cover damage to…