Don’t Let Home Improvements Leave You Underinsured

By Ben Moore

a tree in front of a house: Don't Let Home Improvements Leave You Underinsured

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Don’t Let Home Improvements Leave You Underinsured

As many Americans face months on end stuck at home, some are using their time (and money) to create a change of scenery or upgrade their surroundings. Office equipment purchases are on the rise, and people are tackling more renovation projects than usual.


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But expensive new stuff and significant home improvements can leave you underinsured. If you’re considering making changes to your home — or if you already have — it’s smart to revisit your homeowners or renters policy. Here’s how to ensure it covers the new additions.

Tell Your Insurer About Your Plans

There’s a good chance you’re underinsured before you even make changes, according to Don Griffin, vice president of personal lines at American Property Casualty Insurance Association. Talk to your insurer before making any expensive purchases or changes to your home to inform

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Kitchen cabinets are costly. Don’t make them trendy

The latest colors and trends are tempting, but a kitchen should be timeless, says Barbara Miller, design director for the Neil Kelly design and remodeling company.

It’s expensive to remodel a kitchen, and cabinets can make up 30% of the costs, so make sure you or an owner five to 10 years in the future won’t think the look has gone out of style, she says.

A sure-fire solution: White cabinets.

Since Neil Kelly started remodeling homes in Portland in 1947, “we have never stopped selling white cabinets,” says Miller, referencing a statement made by owner Tom Kelly, whose father founded the company.

She says styles and hardware have changed, but white remains popular in the Pacific Northwest, as does wood-grain cabinets.

The easiest way to ensure a kitchen has a timeless feel is to match key elements with the architecture and era of the house: A Colonial Revival house

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My streaming gem: why you should watch I Don’t Feel at Home in This World Anymore | Film

2020 has been a long nightmare of a year, one that has constantly defied the rules of time and space in terms of how much bad stuff can happen in such a short amount of time. The cascade of awfulness never seems to end. Amid all this chaos, the responsibilities of adulthood – work, chores, bills – feel insurmountable, and the world around us feels unrecognizable. One of the only things getting me through it is cinema, and the movie I keep returning to for its insightful portrait of this pervasive malaise and our simmering resentment in response to it is Macon Blair’s directorial debut, I Don’t Feel at Home in This World Anymore.

Blair has long been known for his collaborations with childhood friend-turned-creative partner Jeremy Saulnier. He played a supporting role in Saulnier’s directorial debut, the horror comedy Murder Party. Blair then starred in (and produced) Saulnier’s Blue

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Mike Pence Brought Conservatives Home. What If They Don’t Need Him Anymore?

“For one thing, somebody like Pence in the past would have had a certain appeal to evangelical voters that is less strong now because evangelicals, in embracing Trump, have changed their character,” Mr. Wehner said, adding, “The kind of appeal that a guy like Pence had is just not as great.”

Mr. Trump’s health problems, coming on top of a looming election that polls show Republicans at considerable risk of losing, have added greater urgency to the debate inside the Republican Party over its future and whether its next leader should be someone who emulates Mr. Trump. No small number of conservatives believe their political victories over the last four years would have been impossible without Mr. Trump’s defiance of political norms and his frequent disregard for civility and compromise in domestic and foreign affairs.

As evidence, they point to actions Mr. Trump has taken that they said other Republican

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‘Don’t Be Afraid of Covid,’ He Insists

Donald Trump Takes Break from Treatment for Novel Coronavirus at Walter Reed Hospital for Unannounced Car Ride Around Facility

Criticism swirled in and around Walter Reed hospital on Sunday after President Donald Trump took a break from his treatment for the novel coronavirus (COVID-19) for an unannounced car ride around the facility to wave to some of his supporters outside

In an announcement that raised more questions than it answered, Donald Trump said Monday he planned to head back to the White House that night, about three days after first being hospitalized with the novel coronavirus (COVID-19).

“I will be leaving the great Walter Reed Medical Center today at 6:30 P.M.,” the president tweeted, touting what he called his administration’s progress on coronavirus treatments.

In a kind of willful rejection of his recent health problems and a pandemic that has killed more than 200,000 people in the U.S., he

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Mistakes to avoid when upgrading a kitchen: Don’t get sucked into tempting, one-function items

Your household may have grown during the coronavirus pandemic as adult children who lost their jobs returned home. At the same time, your wallet may have become thinner during the economic fallout caused by the global health crisis.

Combine those factors and it’s easy to see that a study by the National Kitchen & Bath Association (NKBA) found that people want to improve their kitchen, especially with germ-avoiding, touchless technology, while adhering to a tight budget.

An overwhelming 99% of manufacturing, construction, design and retail businesses surveyed by the trade association said more consumers are requesting assistance with small-scale, DIY kitchen projects.

To reduce the risk of getting Covid-19, the survey found people want contact-less products with automatic sensors and antimicrobial surfaces as well as outdoor kitchens, where they can safely entertain while social distancing.

The pandemic also made people aware of the need to prepare for an emergency and

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Home makeovers don’t need to cost a lot of cash

You’ve probably been spending more time at home than usual due to the coronavirus pandemic, so all of those little things about your space that didn’t really bother you before are probably driving you crazy by now. If your home is in need of a refresh, you might not want to spend thousands on a full kitchen remodel or bathroom renovation, but there are plenty of home improvements you can make without spending a fortune. All of these home makeover projects can be done on a budget.

1. Paint the front door

You can boost your home’s curb appeal at a small cost by painting your front door. “With a good coat of primer and a couple coats of exterior paint, your door will look new and striking at first glance,” said Dina Gibbons, home and garden design expert at RubberMulch, a company that makes environmentally responsible mulch from rubber.

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3 expenses people don’t consider when they buy a second home

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.

As with any home, the costs of a second home don’t stop at the mortgage.

There are a lot of costs associated with owning a second home, and you’re responsible for anything that comes up. You’ve probably considered the costs of property taxes and HOA fees for your second home, and factored those things into your budget when deciding how much you can afford to spend on a second home.

But, there are some expenses you may not have thought of that will apply to your second home. Here are three expenses you should consider before making the leap to a second home. 

You may need to increase your life

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Google will try ‘hybrid’ work-from-home models, as most employees don’t want to come in every day

  • Most Google employees want to return to the office at some point, but not every day, according to a recent Google survey of its employees’ desires for post-pandemic work.
  • The company said it is planning “hybrid” models for future work, including rearranging its offices, Alphabet CEO Sundar Pichai said in an interview with Time magazine on Wednesday.
  • Silicon Valley companies are competing on flexible work options for existing and prospective talent.

Sundar Pichai wearing a suit and tie: Sundar Pichai, chief executive officer of Alphabet Inc., gestures while speaking during a discussion on artificial intelligence at the Bruegel European economic think tank in Brussels, Belgium, on Monday, Jan. 20, 2020. Pichai urged the U.S. and European Union to coordinate regulatory approaches on artificial intelligence, calling their alignment critical.

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Sundar Pichai, chief executive officer of Alphabet Inc., gestures while speaking during a discussion on artificial intelligence at the Bruegel European economic think tank in Brussels, Belgium, on Monday, Jan. 20, 2020. Pichai urged the U.S. and European Union to coordinate regulatory approaches on artificial intelligence, calling their alignment critical.

Google is rethinking its long-term work options for employees, as most of them say they don’t want to come back to the office full-time.


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Don’t delay Aspen-Pitkin County Airport improvements | Opinion


Some Airport Vision Committee members now want to recant their vote recommending airside improvements at Aspen’s airport based on supposedly new information.

The first bit of new info is a quote from a Mitsubishi PR guy on the CRJ-700’s remaining design life. He isn’t exactly an authoritative source. Mitsubishi bought the CRJ “product line” for the maintenance network that it plans to use to service other aircraft. It doesn’t manufacture the 700 and is new to maintaining them. The plane is old for its type. Inefficiency, increased repair costs, and customer resistance are all pressing the airlines to switch to younger, more efficient, cheaper-to-fly aircraft. As they switch, which they’re still doing, pilot union contracts require them to mothball a 700 for each new regional jet they buy. The 700 is going away. Don’t take it from me; watch the Board of County Commissioners Sept. 9 work session video

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