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  • Daily Real Estate Tips

    • Making Prescriptions Easier

      If you manage one or more prescription medications for yourself or a loved one, you know it can be challenging at times. A new survey conducted by AllianceRx Walgreens Prime found that more than half (57 percent) of adults surveyed take prescription medicine regularly, with the percentage increasing steadily with age. Additionally, nearly three quarters (73 percent) of adults manage all or most of the medicine needs for themselves or their family.

      To help ease your prescription management, AllianceRx Walgreens Prime offers the following tips:

      Ask your pharmacist about prior authorization: Ask your pharmacist now if prior authorizations are required or need updating. If so, submit new insurance information to your pharmacy and update your financial assistance or copay information.

      Ask your health plan about medication coverage: Check with your health plan to determine if your medication coverage will change in the new year. Verify your copay costs and contact your health plan with any questions.

      Ask your doctor about appointments: Contact your doctor about prescription refills. Schedule an appointment now, if required, for new or existing medication. During your appointment, discuss any medication concerns with your doctor.

      Ask your doctor to verify your ePrescribe pharmacy of record: Verify with your doctor who they have listed as your pharmacy of record and update if necessary.

      Source:  AllianceRx Walgreens Prime

      Published with permission from RISMedia.

    • Save Your Pipes This Winter

      Between gifts and home heating costs, the holidays can hit your bank account hard. If you add frozen pipe damage to the roster, it can be financially brutal.

      "The holidays can make your budget very tight, but frozen pipes can literally put you under water," says Michael Petri, owner of Petri Plumbing & Heating. "The average cost to repair damage from burst pipes is in the thousands. Preparing your home to avoid these mishaps can save your wallet and help you avoid added holiday stress."

      To help, Petri Plumbing and Heating, Inc. brings homeowners to proactively prepare their homes to avoid frozen pipe damage.

      Allow cold water to drip from faucets – When temperatures are expected to drop, allow faucets to slowly drip. Standing water is more susceptible to freezing and keeping the water flowing will prevent disastrous issues from developing.

      Monitor the thermostat – Make sure the home's temperature is no lower than 55 degrees, especially if there are plans to travel for the holidays. A dip in temperature can increase the chances of frozen plumbing.

      Open cabinets under sinks and vanities – These areas are more susceptible to damage from a temperature drop. Keep cabinets open to maximize the ambient heat circulating in the home.

      Insulate the home – Attics, basements, and crawl spaces can develop leaks and cracks over time. Insulating these areas will maintain warmer temperatures and don't forget to check around the foundation of the home as well.

      Insulate the pipes – There are many products on the market to add insulation to your pipes. Heat tape, pipe sleeves, and heat cable are easy, low-cost options that will add an extra level of protection when temperatures are low.

      Source: Petri Plumbing & Heating, Inc.

      Published with permission from RISMedia.

    • Plan a Unique Holiday Party

      Move over, ugly sweater party. This holiday season, do something unique and fun with your loved ones. Consider the following:

      Host a Holiday Screening. Pick your favorite holiday film and host a screening with warming beverages and popcorn. If you think some of your pals may be more inclined to socialize, host the screening in a living room or basement and set up a socializing station in a separate space.

      Have an Art Potluck. Have your friends each bring an art supply and spend the evening getting creative and catching up.

      Have a Cook-Off. Choose a specific culinary item like lasagna or pecan pie and invite friends to join in on a friendly competitive cook-off. Or, keep it holiday centric with a cookie bake-off. Find a fun prize for the winner, like a bottle of wine.

      Consider a Dance Party. Clear the furniture for the living room, create a rocking playlist, set up some fun lights and invite your pals over for a dance party.  

      Published with permission from RISMedia.

    • What Comes With the House? Negotiating 'Fixtures'

      After receiving a piece of furniture as a last-minute gift from a friend who was selling and moving, the buyer became upset assuming they would inherit the item even though it had not been agreed upon.  

      Something that should be assumed to come with the house is known as a 'fixture.' But what counts as a fixture is the basis for many real estate disputes, according to Elizabeth Weintraub at - even when that feature or fixture is outside the building.

      Generally speaking, she says, a fixture is not required to exist inside the house. Landscaping, or any type of plant with roots firmly ensconced in the ground, is considered a fixture, Weintraub says.

      Connecticut REALTOR® Kathy Hamilton says determining what will stay with the home and what will go with the previous owner will vary by seller and contract. She first suggests checking the listing, however, because a seller may have already specified any such items included in their asking price.

      When it comes to any questions about which items will stay, Hamilton advises both sellers and buyers to know the "screwdriver rule."

      For the most part, she says, if it takes a screwdriver to remove, it’s considered part of the home - this includes shelves, light fixtures and even curtain rods. But, if it’s hung on a nail, or is a piece of movable furniture - even a grand piano - it’s likely not included in the sale.

      Devon Thorsby at U.S. News & World Report says states have different standards regarding what things are included in a home sale, but light fixtures and major appliances are typically included unless otherwise noted in the contract.

      One luxury property specialist she spoke with in Fort Lauderdale on the subject said, as a rule, a fixture is something that’s bolted down - if it’s not, you can take it.

      Thorsby reminds buyers that the negotiation also works the opposite way. If you don’t want the seller’s old washer and dryer, you may be able to stipulate they remove the appliances in your contract.

      Published with permission from RISMedia.

    • Tips for Easier Holiday Travel With Little Ones

      Hitting the road often brings complications, but for parents, hitting the road with kids can be full of obstacles. Here are nine easy-to-follow tips  from the Travel Leaders Network that will help vacationers "Travel Better" this holiday season when children are along for the journey.

      Pack with a plan. Overhead space will be at a premium during the holiday travel season, especially as people bring gifts for friends and family or return home with presents they've received for their children. So, when preparing to pack your bags, it's crucial to check in advance whether your luggage meets the airline's size and weight restrictions for checked baggage and carry-ons, as well as to remember to save space for the extra items that will come home with you.

      Children's liquids are an exception to the 3-ounce rule. The Transportation Security Administration (TSA) allows each passenger one quart-size bag of liquids and gels, including toothpaste, gel deodorant, and lotions. Each item must be 3.4 ounces or less, with medications and certain items for children being the exception. Infant formula, breast milk and juices for infants or toddlers, as well as ice packs to keep them cool, are permitted in higher, yet reasonable quantities through the security checkpoint. However, keep them separate from the items in your one-quart bag. Label medications and carry a copy of the prescription.

      Bring multiple copies of important travel documents. It's a good idea to have color photocopies and digital copies of all important identification documents, including your passport, front and back of credit cards and health insurance information for you and the children. If you're traveling internationally, consider bringing a copy of your child's immunizations. Also have extra ID photos cropped to passport size in case you have to order a replacement at the U.S. Embassy or Consulate. Travel Leaders travel advisors also say to pack all paper copies or flash drives in a separate location for extra safe-keeping.

      TSA PreCheck is free for children 12 and younger. When traveling domestically, having expedited clearance such as TSA PreCheck or Global Entry usually means you can skip the long lines at security checkpoints and not have to remove outer layers of clothing. Although Children ages 12 and under never have to remove their shoes or lightweight jackets, they also do not need their own TSA Precheck boarding pass since they can go through the TSA Precheck checkpoint with any qualifying adult with whom they are traveling. If traveling internationally, children under 18 do need to apply for their own Global Entry or Nexus status with a consenting parent or legal guardian.

      Ease flight wait times. Dress young children in comfortable clothing, even consider footie pajamas and no shoes. If your child is young enough, give your tot a ride to the checkpoint and gate in a stroller. Though they will have to walk through or be carried through security, the stroller ride there helps to keep them in tow, and your stress low. You'll also save money as you can check the stroller or car seat at the gate, often bypassing the fees you'd pay at the ticket counter.

      Work with a travel advisor if planning to visit a theme park. Winter, especially the days surrounding Christmas week, is a busy time to visit Walt Disney World® Resort, Universal Studios and other adventure parks. Travel Leaders travel advisors have access to special park discounts and tips. To ease long wait times for popular attractions, consider using Disney FastPass or Universal Express™ Pass during peak times. Bear in mind that lines are shorter first thing in the morning or late at night. Also, allow a travel advisor to book you at a Disney or Universal resort. If you do so, you gain extra perks, such as making your FastPass+ selections up to 60 days prior to check-in, allowing you access to the most popular rides earlier than most people.

      Hit the high seas for family adventure. A cruise is a great way to vacation with family and friends without the stress of holiday meal prep, clean up and entertaining.  To feel relaxed without overexerting yourself, skip an excursion at a port or two. If you take time to enjoy the ship while fewer people are onboard, you will avoid some of the hustle and bustle. When you do take a shore excursion, consider opting for the children to stay with the childcare service for one of your experiences. But don't leave the children out of all excursions. They will also enjoy the adventure and culture of other lands and the bonding time with Mom or Dad.

      Relax at an all-inclusive resort. Escaping the cold weather by traveling with the family to someplace warm and tropical can be a relaxing way to spend the holidays, especially when it is spent at a family-friendly, all-inclusive resort. Whether you land in Mexico or the Caribbean, the convenience and value that comes without always pulling out your wallet can make winter travel less stressful.  There are many excellent choices and a travel advisor can help you select the one that best suits your family, such as ones that offer features ranging from kids' clubs, water parks and family-themed entertainment to spas for the adults. Some, such as Palace Resorts with locations in Cancun, Playa del Carmen, Cozumel and Jamaica, still have holiday specials available.

      Road Trips with Kids. Long road trips with children allow for many options, as well as the ubiquitous "Are we there yet?" refrain. Pack a kiddie bag that can stay within arms reach of young children who may want to grab their favorite book, electronic device, sippy cup or snack pack. Remember to also pack wet wipes and paper towels for easy clean up. Play music over the car radio that the child can enjoy as a family sing-along in addition to an option of personal music time with their own headphones or video player. Children also love the attention if a parent climbs into the back seat with them occasionally, if space allows. I Spy and tic tac toe are classic games children will enjoy. Finally, be sure to build in time to take breaks to enjoy scenic overlooks or small towns or other attractions you may pass along the way.

      Source: Travel Leaders Network

      Published with permission from RISMedia.