Preventative Maintenance Tips

Every winter we get uplifted by Family freinds and good eats.

While those sweet potatoes are cooking and granny has nodded off the eggnog and grandkids are hovering there latest remote controlled UAV around her nostrils, your gradually missing out on protecting your investments.....https://www.houselogic.com/organize-maintain/home-maintenance-tips/home-preventative-maintenance-checklist-5-critical-tasks/

For example here are a few things to take into account for your home.  Below are pictures  (mostly incorrect) for proper run off away from your home.  We have included narrative to help understand the necessary corrections.  Water damage can be a danger to any home or building so making sure there is eb and flow of your downspouts at least longer than the roofline and away to the furthest most lowest point of the yard.

 a no no

 better but needs more out spout tailing away from building 

 very deceiving, notice , over time these heavy concrete peices will fall into the ground and the  water will be heading toward the foundation

 this is better

 Water damage can be a danger to any home or building so making sure there is eb and flow of your downspouts at least longer than the roofline and away to the furthest most lowest point of the yard.

The following pictures are indications of the vents in your foundation which are crucial for proper air movement in the hotter months. I have included pictures of open vents. They can be often times hiding beneath decks or landscaping so if you are unsure hire a professional to look into your crawl space....don't forget the flashlight and mask.  ALLso make sure the are closed in the winter and the screens are free from debris because you do not want tiny guests nesting in the house or building.

If you are leaving town for a period of time it isVERY IMPORTANT IF YOU HAVE ANY QUESTIONS ABOUT VACANT BUILDINGS MAKE SURE YOU CONTACT The Department of Public Utlities and Have the water shut off.

 Below is a link to THE DPU.
http://toledo.oh.gov/services/public-utilities

HAPPY HOLLIDAYS

Veterans/Military Money Skills

Perhaps you may find help in this content or know someone who may then to share it:
Just copy and paste this link: http://restatetoday.blogspot.com/2016/02/veterans-military-discount.html

One of the hardest thing you used to deal with once coming home from Military duty was not to spend the money you just earned.  There are programs out there now that help military personnel manage there money.

From Kiplinger's magazine: for your Saving or TSP Account you can invest up to $18,000  in your contribution or contribute 53k.

In the Roth Retirement Plan your contributions are all tax free with no restriction on income.

More Tax Free products that investments come in tax free and leave tax freee can be found at
http://www.kiplinger.com/article/taxes/T054-C000-S002-tax-breaks-for-military-families.html.

Or more appropriately:
http://www.irs.gov/publications/p3/index.html

IF YOU ALREADY OWN A HOME or your thinking of buying one?
No  Private Mortgage Insurance and NO down payment for military personnel...
BE AWARE however if there is a slight drop in value of the home then you could become upside down in your mortgage if you don not have enough equity.

Lastly take advantage of the Tax Free Housng Allowance where monthly subsidies cover all or part of  your rent/mortgage.

Most of these programs may depend on you rank and file.  Perhaps you have a question where I could assist in conveyance of a mortgage officer specializing in VA mortgages.  Email me at Robleyalbright@gmail.com  or Text me at 419-261-0237.

God Bless and Hope this is received well.