7.20.19 Wes Oliver of Prestige Home Mortgage on current rates.. they have dropped .. what does that mean to you?

Wes Oliver from Prestige Home Mortgage joins Joe to talk about the low rates! .. Yes Rates have dropped.

This can give you more Purchase Power or let you Refi out of PMI and that higher rate.. and some other great tips and tricks.

You can hear Wesl on the 3rd Saturday of each month on Handling Change at 7:30 am on WCRN 830 AM

Handling Change is a weekly Vignette Aired on WCRN am 830 & WACE am 730 Saturdays at 7:30 am.

Follow the show on Twitter at @Talkingchange4u 

We rotate our Experts weekly.  Each week one of these Leaders in their own industries joins Joe to give you the very best in advice, tips and guidence thier years of experience and expertise can offer.

Eldercare Law: Chris Murray of the Daniel Murray Law Office

Insurance: Paul Cantiani Jr of The Cantiani Insurance Group

Real Estate: Brian Carpenter of 1 Worcester Homes

 

6.29.19 Hiring a Contractor Checklist and Tips

As you plan your next home renovation project, choosing the right contractor for the job is a critical first step in your planning process. You want to make sure you vet the quality of their work in advance, spell out in writing what work you want performed and agree upon the scope of the project, and inquire whether the contractor is properly licensed and insured in case something goes wrong.

This checklist compiles the top 10 tips to consider when selecting a contractor:

1. Get Multiple Estimates

Talk to several contractors and get written estimates from at least three. Make sure you’re comparing apples to apples when you get multiple estimates. Look at building materials, work methods, timelines and other factors that may vary by contractor. Be cautious of estimates that are too high or too low.

2. Hire Local, Licensed Contractors Whenever Possible

Local contractors are easier to contact if problems develop with the work in the future, and they are more likely to be familiar with building codes in your area. Ask the contractor for their local, physical address. Be suspicious of anyone who goes door-to-door or refuses to leave a contract overnight.

3. Check Their Past Work

How has their worked turned out in the past? Do they specialize in the kind of work you want done? Check references about the quality of their products, their workmanship and their customer service. Inquire about their professional reputation and years in business with the Better Business Bureau. A contractor with more than five years of experience is preferable.

4. Take Your Time Making a Sound Decision

Get multiple bids before making a decision. Don’t be pressured into making an immediate decision, particularly with regard to signing a contract. Be cautious when asked to pay a large deposit up front. Make sure to read the fine print on all estimates and contracts. If you’re having emergency repairs done and don’t have time to thoroughly research a contractor, ask neighbors, family or friends to see if they have had a good experience with an emergency services contractor.

5. Check Their Insurance and Bonding

Make sure the contractor is properly insured and bonded. Ask the contractor for a certificate of insurance (COI), which should provide the name of the insurance company, policy number and policy limits the contractor carries. You can contact the insurance company directly to verify the coverage and make sure the policy is still in effect. Do not do business with a contractor who does not carry the appropriate insurance coverage. If the contractor is not insured, you may be liable for accidents that occur on your property.

 

6. Get Everything in Writing

Secure a comprehensive contract before work begins. Get everything in writing, and make sure the contract is clear and well written. Consider having a lawyer review the proposed contract for your protection before you sign it if the project involves substantial costs. The contract should include:

  • A detailed description of the work to be completed and the price of each item.
  • A payment schedule – for example: one-half down and one-third when work is partially completed, and the balance due upon completion of repairs.
  • The estimated start date and completion date on larger projects.
  • Any applicable guarantees, which should be written into the contract and clearly state what is guaranteed, who is responsible for the guarantee, and how long the guarantee is valid.
  • Signatures from both parties. You should never sign a contract containing blank sections.

Changes to the contract should be acknowledged by all parties in writing. Ask the contractor for confirmation that he or she has obtained all applicable building permits. If you decide to cancel a signed contract, you should follow the contract’s cancellation clause. Written notification of the cancellation should be sent by registered mail to ensure you have proof of the cancellation.

7. Understand Your Right to Cancel

Federal law may require a “cooling off” period, in which you can cancel the contract without penalty. Check with the Federal Trade Commission and the laws of your state to understand your rights. Be sure to follow applicable rules during the cooling off period. If you do cancel, consider sending the notice of cancellation by registered mail to ensure you have proof of the cancellation.

8. Don’t Pay Up-Front

Don’t pay for the entire project before it is completed. Make sure you make checks payable to a company, not an individual, and do not pay in cash. For larger projects, it is standard practice to pay one-third of the estimated costs as an initial payment. That way, you can retain your cashed check as a receipt.

9. Anticipate Delays

Delays happen, and may not be the fault of your contractor. In spite of the timeline outlined in your contract, circumstances such as weather may prevent the work from remaining on schedule. Be realistic and prepare to adjust your plans accordingly.

10. Keep a Job File

Keep your contract and all the supporting documents in one folder. Your file should also contain any change orders, plans and specifications, bills and invoices, canceled checks, and certificates of insurance and any letters, notes, or correspondence with the contractor.

 

For the complete original article:

https://www.travelers.com/tools-resources/home/renovation/checklist-for-hiring-the-right-contractor

RV Fire Prevention from the Cantiani Insurance Group

According to the NFPA, an estimated 20,000 RV fires happen every year. Before you hit the road, consider these fire prevention safety tips so you can have a worry-free trip with your family and friends

Safety Tips

  1. Make sure you carry fire extinguishers in your RV.

    It is a good idea to keep one in the kitchen and one outside in an unlocked compartment or tow vehicle. Learn how to properly use one, and train others who will be traveling with you.

  2. Test your smoke and carbon monoxide detector.

    There’s nothing worse than having a smoke detector that doesn’t work when you need it to the most! Be sure to test these safety systems at least once a month to ensure they are functioning properly.

  3. Inspect your electrical system regularly.

    Make sure you have solid connections and wires that are in good shape. If you find some that need some work, be sure to call a professional in to handle the job!

  4. Have an emergency plan.

    Always be prepared for the worst! Make sure you and your fellow travelers have an escape plan, and practice it before you leave.

  5. Have your RV brakes inspected.

    Experts say a dragging brake can potentially create enough friction to ignite a tire or brake fluid.

  6. Check all hoses for any leaks or signs of damage.

    Any leaking fluids in your RV’s engine compartment can ignite, so they need to be repaired immediately.

  7. Shut off your propane at the tank and turn off all propane-powered appliances while driving.

    Many people leave the refrigerator on while driving to keep their food cold, but this can be very dangerous if you happen to get into an accident. The fridge can stay cold for up to eight hours if you leave it closed. Don’t risk it – shut it off!

  8. Never leave cooking unattended.

    It is also a good idea to properly ventilate your RV when you are cooking with the stove.

  9. Pay attention to where you park your vehicle.

    When you park, try to avoid parking close to grass or shrubs. A hot exhaust pipe and dry grass is a recipe for disaster!

  10. Purchase RV Insurance.

    Make sure your RV has insurance, and make sure you know every detail about your policy! If you haven’t purchased any yet, ask your insurance agent as many questions as possible, and—in the end–get a policy that fits your needs. You will be more at ease knowing your RV is fully covered in the case of an accident or fire.

5.11.19 Cantini Prsdient Lisa LaBossiere Joins Joe to talk about Paul Sr’s passing

President of Cantiani Insurance Group, Lisa LaBossiere joins Joe to talk about Paul Sr’s passing and to insure all that nothing will change at Cantaini Insurance.

It is business as usual and Paul Sr left us in good hands

Tune into Handling Change Saturday Mornings at 7:30 am on WCRN 830 AM

Handling Change Experts

           

 

 

 

 

 

Handling Change is a weekly Vignette Aired on WCRN am 830 & WACE am 730 Saturdays at 7:30 am.

Follow the show on Twitter at @Talkingchange4u 

We rotate our Experts weekly.  Each week one of these Leaders in their own industries joins Joe to give you the very best in advice, tips and guidence thier years of experience and expertise can offer.

Eldercare Law: Chris Murray of the Daniel Murray Law Office

Insurance: Paul Cantiani Jr of The Cantiani Insurance Group

Real Estate: Brian Carpenter of 1 Worcester Homes

Call in line: 508-871-7000 

On the Web at HandlingChange.info

Email: Handlechange@gmail.com

Follow us on Twitter: @TalkingChange4u

Facebook: @TalkingChange4U

Show Number: 508-296-5445

6.16.18 – Will Social Security be there for me?

Hey folks, once again Pual Hundley from Lighthouse Capital joins Joe in studio.  June has been Social Security month and this week Paul looks at the question many of us, especially those under 40, will it be there for me?

June 16th, 2018

Paul Hundley of Lighthouse Capital LLC and Joe Mangiacotti Financial/Real Estate Talk Host bring you the best in Personal Financial information weekly.

Join Paul and Joe Saturdays at 7:30 am on WCRN am 830 and WACE am 730 and live streaming on TuneIn

Call Paul Hundley direct at 781-965-8843

Handling Change – Saturday Mornings at 7:30 am on WCRN 830 AM and WACE 730 AM