What To Do If You Have Basement And Foundation Problems

One of the most widely given advice for any homeowner is to take care of a problem right away before it escalates in time and money spend.  For a basement or foundation problem, this advice holds more truth than for any other home problem.  Leaving a leaky basement problem till you have saved enough money to pay for repairs is not something that is advisable.  Considering cracks on the basement walls as something unimportant can jeopardize the home you live in.  Taking care of these problems right away can save you time and money in the long run.

Call us, we will be happy to work with you.


Stone and rubble foundations: What to do if there’s a leak

The experts at H&N Basement Worx in Hamilton want to share some information about stone and rubble foundation damage to help you hire a contractor that has the knowledge and expertise to provide the proper repairs.

Stone and rubble foundations create the worst type of leakage once a leak has begun, and the reason for this is simply that stone or rubble foundations are generally old and were built before it was code to have a proper drainage system.

Not all stone foundations are without a proper drainage system, and not all leakage with stone foundations is the same. The type of repairs, and the extent of the job to execute these repairs, will depend on several factors, including if a drainage system needs to be installed or an existing one repaired, and how much damage has already occurred.

The H&N Basement Worx team will gladly come to your home to do a complete inspection, explain their findings thoroughly, and communicate their recommendations for repairs.


Don’t Dally On Foundations

There’s one bill that many Republicans and Democrats do agree on in this year of particularly nasty partisan sniping. It would help homeowners in eastern Connecticut replace their crumbling foundations. And yet the bill could be caught up in cruel political wrangling as basement walls crack and bow.

The bill would set up an assistance fund with bonded money from the state, and the hope is that insurers, banks, mortgage companies and the construction trade would contribute to it. It also would also establish a low-interest loan program to help homeowners with their deteriorating foundations.

The size of the fund and the state’s contribution haven’t been determined yet because the bill is still being worked on. It’s apparently a substitute for a fund that would have been created by charging homeowners $12 yearly on their insurance policies. That bill never made it out of committee.


Soil expansion may cause basement wall to bulge

Dear Jerry: While preparing the basement of our 1950 home for two bedroom additions, each with an egress window to be installed at the locations of existing basement windows, I removed the finish plywood and discovered on the east wall a large horizontal crack about 32 inches (four blocks) below the top of the foundation. Some of the mortar is loose, and the wall bulges in a little over one-half inch at the center of the crack.

Outside the house, there are two large trees about 10 feet from the house, with large roots headed straight for the center between the two cellar windows. The theory is that the roots have pushed in the blocks. Our arborist looked at the root structure, and said that he hasn’t seen proof of roots pushing against the foundation.


 

Keeping The Basement Dry All Year

Not all contractors are created equal.  There are many companies and contractors that do an excellent job when they are hired for any house or business project.  And there are many other companies and contractors that do not.

Postponing a basement waterproofing job you need because of the kind of contractors you may be getting, is not something you really should do. A home with water in its basement, cracked walls, or foundation problems is a house in danger.  Foundation problems that you do not take care of right away, tend to be problems that will cost you much more later on.

Start checking the contractors you want to call through the Better Business Bureau and check their rating.  Many contractors will offer you a hassle free consultation without overselling.  Do your due diligence before you actually enter into a contract with anyone, but do not postpone a job you need for fear of the kind of contractor you might get.

For more about this and other topics, follow the links below.


Wet basement? Avoid getting soaked

Is your basement wet? Are you thinking about calling a basement-waterproofing contractor?

Stop!

Many contractors will propose installation of expensive interior drainage systems  — even if you don’t need one — when most moisture problems can be solved through less-expensive means. You’re more likely to get good results — and save a lot of money — by exploring other possible solutions and hiring a basement-waterproofing contractor only if absolutely needed.  If your home was built within the last few years, check the builder’s warranty for clauses on seepage.

Most basements get wet when rainwater runs toward the walls of houses from roofs, yards, and driveways. So your first step is to force it to run away from your home.


Keeping mold away as flooding continues

Greece, N.Y. – As water continues to flood homes along Lake Ontario, homeowners are trying to keep their homes as dry as possible.

Mold remediation is a real possibility, but it has to wait until the water stops coming in.

His backyard is surrounded by sandbags, and he has extended his sump pumps since water started moving in.

“This is the outlet of the sump pump. We extended out to the lake to get it as far away from the house as possible,” said Kehoe.

His two sump pumps are working overtime.

“Both of them run pretty much every 30 seconds or every 60 seconds pumping out [water] right now,” he said.

Mark Frillici, who owns Healthy Spaces Mold Mitigation and Basement Waterproofing, says keeping basements and crawl spaces as dry as possible is key at this stage.


Q. My wife and I are in the planning stages of finishing off half of our basement into a couple of bedrooms, and a small living/TV room. I am concerned about water and water vapor creating that mildewy basement smell once all of the construction is complete. To that end, before we start I am addressing any water entry into the basement, to which I believe I have been successful.

So that leaves water vapor. Our foundation is poured concrete with footing drains, and a coating of emulsifier on the outside. I now run a dehumidifier 24/7 in the basement during the summer months to control the humidity. We will be insulating the exterior walls of the basement on the inside. What are our options for doing this (including any necessary wall coatings) that will give us a vapor barrier ranked best to worst in your opinion.

For extra credit, I’ve seen on HDTV a certain program about siblings remodeling a house, and one of them, let’s call him “the builder,” insulates interior basement walls with straight unbacked fiberglass insulation. Is this a West Coast thing, and even allowed here in Vermont?


Home Improvement Checklist

The U.S. Department of Housing and Urban Development have programs that help people renovate and repair their homes with the assistance of the U.S. Government.  They received many complaints of contractors that do shoddy work, and because of the financing, these contractors believe they can do the shoddy work with impunity.

The Ohio Attorney General’s website provides a list to follow for all people living in Ohio that want or need to have home repairs.

The list includes among others:

  1. Checking the contractors references
  2. Not signing anything without making sure you have read everything carefully
  3. Not signing with the first contractor you talk to
  4. The contractor has shown you proof of Licenses, insurance, and bonding
  5. You have checked with the Better Business Bureau for the company’s credentrials

At Pioneer Basement Waterproofing, we pride ourselves with the work we do, the commitment to our community, and the customer satisfaction history we have worked for since 1979.  We are a locally owned and operated company that is fully licensed, bonded and insured for the protection of our customers. We treat our customers the same way we treat our friends and family; the way we want to be treated.

If you are thinking about a home repair or improvement, inform yourself before starting any big or small project.

To read more about this and other topics, follow the links below.


7 Explosive Ways to Increase Customer Satisfaction

Follow these seven strategies to keep customers coming back again and again.

Customer satisfaction is crucial for any business to succeed, but satisfying increasingly demanding consumers can become a challenge. Poor customer experience is a catalyst for customer churn, and the damage of one unhappy customer is the 9-15 people they will tell about their encounter. Customer satisfaction is priceless when acquiring new customers—a process that’s 4-5 times more expensive than maintaining an established customer base.

So, customer satisfaction is important, but what can businesses do to drive their customer satisfaction up and keep it there? Below are seven effective ways to improve your customer experience and increase customer satisfaction.

Respect Your Consumers

Just as a bad experience can have a dramatic effect on your business, so can a positive one. Word of mouth packs a punch in the buying world, so treat your customers with respect and watch your customer satisfaction flourish. The secret to building a loyal customer base is creating respectful experiences for your consumers to share with their friends and family.

It all sounds pretty straightforward. However, finding the right balance and approach to respectful interactions can be tricky for both you and your customer. Respect your customers by providing them with tools to help themselves. Ensuring that your consumers can easily access frequently asked questions and information about your product on your user-friendly site is one simple way to create a respectful customer experience.


5 major tips to measure Customer Satisfaction

When it comes to mobile app customers, there is no better friend and foe for a mobile app business, especially in the current market conditions. Earn the customer’s trust and they would be devoted to your brand but if you treat them poorly then the tables can turn towards you. In addition, the major issue is that only 5% of unhappy customers really express their discontents. And sometimes it might happen that some of them won’t even come back. So what can you really do to determine the satisfaction of your customers?

The most effective way to measure that is using feedback surveys and communicating directly with the customers. Being cautious regarding the customer experience and its influence on your business conversions is vital to the business’s success. Consider the following tips to measure the effectiveness of your app’s customer experience.

 


Do Your Customers Promote You?

Getting the right information about how satisfied your customers are with your services is the first step toward getting them to recommend you to others.

Few would argue that satisfying customers is a “must” if a company hopes to grow and prosper. Most companies even have some established means for measuring how satisfied customers are with their products and/or services, and they take these measures seriously. Too often, however, these internally developed measures do not provide a true picture of how satisfied customers really are. In fact, I would argue that many of the measures used by companies tend to skew results to be artificially favorable. This can lead to customer service complacency based on a mentality of “we haven’t heard otherwise, so things must be OK.”


Do You Want A Dry Basement? Tips and Information To Keep Your Basement Dry

During the raining season, it is very clear whether you have a leaky basement or not.  Water seeping to the basement of your home become a reality when you see puddles of water on the basement floor.  The question then is, where is the water coming from? If the spring season brings water into the basement, chances are the water is coming from the outside.  If you have problems with leaky pipes, water would be a problem all year long, not only during the spring season.  The humidity in your basement can play havoc with furniture, the stability of the foundation, appliances you may have there, etc. Taking care of those problems right away can save you many headaches down the road.

For more about this topic, follow the links below.


Mission Impossible? Setting Out to Save a Damp, Dingy Furnace Room

Basement moisture introduces mold and mildew, wood rot and worse. Gradually, the effect of such issues combine to compromise the home both structurally and aesthetically. Fortunately for us all, affordable and DIY-friendly masonry waterproofer can both of those problems at the same time. Read on to find out how!

As homeowners, we all have our dirty little secrets, whether it be a carpet stain concealed by strategically placed furniture or in my case, a basement furnace room that resembles a horror-movie set. Despite being dimly lit, with exposed pipes spreading like tentacles all around, I know the room would have problems much worse than aesthetics, if it weren’t for the sump pump and drains I opted to add several years ago. The combination worked wonders to stem the tide of basement leaks we’d been struggling to control until then. But recently, I began to recognize that although pools of liquid water no longer suddenly appear on the floor, another, subtler warning sign—unsightly, unhealthy mildew—proves that basement moisture remains an issue.

So I decided to launch on a new campaign aimed not only at protecting against future mildew growth, but also at improving the look of the furnace room once and for all. Of course, I’m not the first homeowner to take on a project like this.


Keep your basement dry when rain rolls through the area

WASHINGTON — Next week could bring heavy rain into the region. And if rain makes your basement soggy, a consumer’s group advises trying easy do-it-yourself solutions before hiring a contractor.

“Check to make sure your gutters have been cleaned out. Check to make sure that downspouts from your gutters are spilling far away from your home,” said Kevin Brasler, executive editor at Checkbook.org.
Also, hiring a drainage consultant might reveal additional quick fixes, or determine that grading performed when the home was new has diminished. Grading of soil near a home prevents water from flowing toward walls.
“It’s a pretty inexpensive thing to do, especially compared to what these companies will propose,” Brasler said.
You should examine all options, Brasler added, before hiring a basement waterproofing contractor.

“If you are going to hire a company to solve your problem inside your basement, make sure you talk to several companies,” Brasler advised. “I would talk to five or six companies that do this type of work.”


Southern Trust Home Services shares tips to prepare your home for spring

Just as spring allergens can pose a problem for people, spring weather and changes can pose a problem for homes. Ted Puzio, owner of Southern Trust Home Services, shares tips about how homeowners can prep their homes for spring.

Homeowners can reduce seasonal allergens inside the home by inspecting or replacing HVAC air filters and inspecting ductwork and vents for signs of mold growth.

Homeowners can prevent basement waterproofing problems due to spring showers by checking the house for any leaks and seepage and unclogging gutters and checking that all downspouts extend away from the home’s foundation.

Homeowners can prepare for early heat by checking the AC. – strange noises, condensation leaks and indoor temperatures that do not match thermostat readings are signs that it needs repair – and by requesting a seasonal HVAC tune-up and cleaning.


Landscaping Your Home The Right Way

When selling or improving your home, the interior of the house is the place which we spend most of the time worrying about.  Is the kitchen up to date with the appliances? Are the countertops in good condition?  Is the bathroom on the first floor well maintained?

If selling the home your priority this year, make sure the outside of the home is being taken care of, and the landscaping makes a good impression to the potential buyer.  Shrubs, gravel, unleveled driveways, branches hanging from trees, are some of the easy to spot maintenance jobs you need to do before putting your home for sale.

For more about this and other topics, follow the links below.


7 Landscaping Trends to Avoid When Selling Your Home

Aside from location, location, location, your home’s landscaping is one of the first things to make an impression on a potential buyer. And it’s not just curb appeal, although that is important.

Amenities like an outdoor fire pit or brick barbecue pit are not all created equal. The same goes for trees, shrubs, and outdoor lighting. If you don’t want to spend some real money on dressing up the outdoor space around the house, then don’t spend anything at all.

Jennifer Geddes at Realtor.com has created a list of seven landscaping trends to avoid as you get your home ready to sell. Her list follows.

Landscaping laid out with a ruler
Nice, neat lines used to be the trend for planting flower beds and bushes, but today’s outdoor look is much more natural.

The same cheap trees everyone has
Choose trees wisely, including eastern red cedar, sugar maple, Colorado blue spruce, and myrtle. Steer clear of the ones that rain leaves and needles (pecan, oak, sweet gum, eastern white pine), and your look will be neater and easier to maintain. And when it comes to placement in your yard, think strategically.


Certain landscaping materials prone to fast-spreading fire, officials say

MYRTLE BEACH, SC (WBTW) – What materials do you use in landscaping your yard? Myrtle Beach Fire Rescue released a new public service announcement warning homeowners and property management companies against using pine straw and similar products.

“When landscaping, use noncombustible material like rock instead of pine straw or mulch,” urges Lt. Jonathan Evans with MBFR. “If it can catch on fire, don’t let it touch your house.”

Fire officials warn that it’s not just landscaping material that can fuel fires near your home.

“Dry grass can be fuel for wildfires, so keep your grass and lawns hydrated and maintained,” suggests Lt. Evans.


Consider investing some green in your landscaping to increase your home’s worth

SIOUX CITY | If you want to turn your backyard into an oasis as seen on HGTV, be prepared to spend some money.

Mike Lutt, owner of Country Nursery Inc. in Wayne, Nebraska, said that makeover could cost anywhere from $1,000 to more than $200,000 depending on your wants, needs and square footage. The average cost of an outdoor patio is $12,000 to 15,000.

“People are going from wooden decks and synthetic Terex decking to a raised paver patio for the same cost,” said Lutt, who said multi-level raised paver patios allow homeowners to incorporate more elements and designs into their outdoor spaces. “It used to be just slapped up against the house. Now, they bring it out further.”

Lutt said there are benefits to using VERSA-LOK retaining walls, made of high-strength, low-absorption concrete, and Willow Creek Paving Stones, composed of high-strength aggregates. He said these materials don’t have to be stained or sealed as wood does, and they don’t fade.

Humidity In The Basement? Read This

Where is the humidity in your basement coming from:  There are a few reason as to the why, but the three main reasons are:

1. Ground water or rain water seeping into the basement

2. External air that enters the basement and condenses on cool surfaces

3. Leaks from pipes in your basement, bathrooms or leaky faucets that are constantly on.

How do you know you have too much humidity in your basement?

Having a humidifier in the basement of your home is a great solution to your humidity problems, but if you are collecting a gallon of water in the container of the humidifier every single day, then you may have other issues that are far more serious.  Sitting water around the foundation of you home and seeping to the basement of your home may be a reason why you have so much humidity in your basement.  Making sure water does not sit around the foundation of your home, could be the only solution you need. 

Providing a clear and an unobstructed path for the rain water to find a way far enough from the foundation of your home, is a solution that does not cost a lot of money and can solve a problem for your in the future.

What to do in case you need a waterproofing Company?

A Google search for a basement waterproofing company will give you about 896,000 results in about .82 seconds.  How do you  choose one?  I researched landscaping companies by doing a Google search once.  Their rating ( 5 stars, 4stars, etc…) were very good. When I tried to find them at the BBB online, some of them didn’t even exist even though they were rated as a 4 start company using other home improvement sites. They were either long gone, or their rating at the BBB was very bad.Be careful when choosing.  Not all home improvement sites have the same level of ratings for the companies that advertise there. Waterproofing companies, or landscaping companies that are listed on those sites should be checked thoroughly using the BBB, or asking those companies for testimonials that are not from family members or friends. And you should truly check those testimonials before committing to anything with a company. Don’t sign anything and do not advance huge quantities of money before the work begins.

Do you need to check a company using the BBB?

Then, here is a link for you to do so, but remember that is only the first step.  You need to talk to the people that will be doing the work at your home, and if you don’t feel “right” about them, choose another one with a good rating and begin the process again.

BBB – The Better Business Bureau Locator

BBB of Akron, Ohio  – It serves the counties of  Ashland, Medina, Portage, Richland, Summit & Wayne Counties.


Is Your Sump Pump Working?

This winter in Northeast Ohio hasn’t been bad.  Temperatures are nothing compared to what they used to be a few years back, and snow accumulation has been minimal — my daughter is still waiting for enough snow to build our annual igloo — and unless February brings too much snow to make up for January’s, the climate in Northeast Ohio is not too shabby.

Spring will come sooner than you think.  The rains will undoubtedly come too, and with the rains come flooded basements in many homes around here.  We are humans, and busy humans to boot.  We don’t check many things around the home, unless we have an emergency or pay someone to do it for us.  For example: When was the last time you checked the sump pump to make sure it works? Do you know if you have one?  A sump pump can be an incredible help if you have a flooded basement, and making sure is in working condition can be very beneficial for your whole family.

If you have a sump pump and are wondering what to do, these are some of the basic things you need to check to make sure it’s working properly.

  1. The electrical system of the sump pump can suffer from damages over time.  Power surges during storms can damage it and leave you with a sump pump that no longer works.
  2. If you are testing the sump pump, make sure you go outside to make sure that is discharging the water.
  3. Replace the battery every couple years.
  4. Make sure the motor of your sump pump is not making strange noises when running it.  If it is, follow the manufactures’s instruction to fix the problem, or call a knowledgeable company to fix it for you.
  5. Make sure the drain lines are clean, and will not block the water exits.
  6. Maintenance is key for your sump pump.  The manufacture’s instruction booklet can give you clear instructions on how to properly maintaining your sump pump, and keep it working for years.

If you have already one installed, checking it before the rains arrive can be a very helpful aid when you most need it. Look into the manufacture’s booklet to know what steps to take before you test it, or call a knowledgeable person or company to do it for you.

Looking at any Home Depot, or Lowes store, you will find that there are hundreds of sump pumps to choose from.  Make sure that if you are going to replace the one you have, you need to make sure it is the right one for your home.  A too little or too big sump pump for your home cannot be good and even shorten its life. Talk to a professional if you are unsure what to buy.


Flood Sensors and Other Solutions For Your Basement

When we offer articles in this magazine about cost effective solutions to waterproof your basement, and you think you can do the job by yourself, we want you to think carefully first about the problems that you are facing.  If your basement’s problem is only humidity, a humidifier will do wonders to the place.  If on the other hand you have water sitting on the basement floor or there is seeping as well, the problem is no longer as easy to fix.  A basement waterproofing company with a long history in your community can be the only solution you have.  Contact us, we will offer you a  hassle free consultation for your basement needs.


Flood sensors for your basement

Cnet rating: 4 stars out of 5

The good: D-Link’s Water Sensor is smartly designed and features all the important perks to make it an effective flood detector.

The bad: D-Link’s only real weakness is that it relies on being plugged in, which means power outages are its Achilles’ heel.

The cost: $57 to $90

The bottom line: The D-Link Water Sensor is one of the best flood sensors on the market. If you’re considering buying such a device, this should be the first option on your list — especially if you don’t already use a smart-home hub.

Fibaro Flood Sensor

Cnet rating: 4 stars out of 5

The good: The Fibaro Flood Sensor combines clever design with an open interface, allowing users to creatively pair it with sirens, complementary sensors and more.

The bad: The tilt sensor can be hit-or-miss, and the price is definitely steep, especially if you want to monitor multiple areas at risk of water damage.

The cost: $60

The bottom line: The Fibaro won’t be for everyone, but its versatility and reliable design make it one of the best water sensors for homes at risk of flooding.


Wet basement? Try these cost-effective solutions before calling a contractor.

Wet basement? Thinking about calling a basement waterproofing contractor? Stop.

Many contractors will propose the installation of expensive interior drainage systems — even if you don’t need one — when most moisture problems can be solved through less expensive means. You’re more likely to get good results and save a lot of money by exploring other solutions and hiring a basement waterproofing contractor only if absolutely needed. If your home was built within the past few years, check the builder’s warranty for clauses on seepage.

Most basements get wet when rainwater runs toward the walls of houses from roofs, yards and driveways. So your first step is to force it to run away from your home.

Start by cleaning your gutters, repairing holes, and making sure they slope toward downspouts and have not come loose from the house, allowing water to fall directly from the roof to the ground. Test downspouts to make sure they spill water at least four feet away from the house.


What To Do If You Have Water In Your Basement

There is an approximate rain precipitation in the Akron area of about 36.06 inch every year. That’s nothing compared to the precipitation that Aberdeen Reservoir, Washington gets of 130.6 inches of rain every year.  But, the 36 inches of rain a year that we get can still play havoc with your home if your basement has issues.  There are many homes in the Northeast Ohio area that are older homes, and their basements need work.  But, if you have a flooded basement after a heavy rain, do you know what to do first? Below there are three articles about basement flooding and what to do right away.  If you need help finding a solution to your basement problems, contact us, we will be happy to talk to you.


Niles homeowners say flooded basements a recurring problem

NILES, Ohio –

Flooding on Thursday caused some problems for Niles homeowners, and they say this isn’t the first time.

21 News arrived at a home on Brown Street after the rain had passed but, water was still gushing out from the home’s basement pump.

The owner Joan Grusha said the pump became necessary after she spent $14,000 waterproofing the basement but, still experienced flooding.

“Every time is rains real hard we get it,” said Grusha who has lived at the home for 48 years. “I have had water in my basement, I don’t know how many times I’ve had to go down there and clean it up even after I had it waterproofed.”

Just around the corner on East First Street, Pamela Wolfe said her flooding problems are also on repeat.

“My furnace is out, my hot water tank is under water, my washer, my dryer, they’re all brand new because I had to replace them from the last time,” said Wolfe.

And although she said she followed advice to have her drain cleaned out, she fears that only paved the way for more overflow. Her main concern is that the flooding comes with more than just water.

“It’s sewage and water. Somehow they’re connected together, they said ‘Oh when these houses were built they probably hooked your sewer and your storm sewers together.’ There’s been things floating in my basement that weren’t from me,” said Wolfe.


Draining the water too fast could cause the collapse of the cellar walls, floors, and foundation of the house. The water must be drained slowly to equalize pressure on both sides of the wall.

Although the flood has receded, water still in the ground outside your house may be pushing hard against the outside of your basement walls. The water in your basement is pushing back. If you drain your basement faster than the water in the ground is draining, the outside pressure may be greater than the inside pressure and may cause the foundation or the floor to crack or collapse.

The Federal Emergency Management Agency (FEMA) and the Iowa Emergency Management Division (IEMD) recommend the following procedures be followed when pumping a basement to avoid serious damage, collapse, or injury:

  • Begin pumping when floodwaters are no longer covering the ground outside.
  • Pump the water out one foot at a time. Mark the water level and wait overnight.

Water & wind could lead to leaky basement

The tiniest bit of ice can create the biggest problems. For the second morning in a row, the commute was slow because of slick roads. Now, incoming rain could lead to problems inside your house.

Columbus resident, Robert Giehl gave a tour of his basement while it was being waterproofed. A crew had to do repairs on the inside and outside after he discovered water had seeped into his walls and floor. He smelled mildew and knew there was a problem.

Scott Seneff of EverDry Waterproofing says water in the basement is more common in the winter than you might think. The ground is expanding and we are also seeing a triple threat this week of melting snow, power outages and rain.

Scott says you need to attack the water from the outside and inside.

“You should have a sump pump with a back up battery system attached to it, that you can get a few hours up to a day or two in case you lose power.”


 

Living Responsibly This Year

As of the first quarter of 2016, and according to an article published by Time magazine about retirement, 1 in 3 Americans have saved $0 dollars for retirement.  The difficulties of saving for retirement has plagued the nation by increasing health and car insurance premiums, mortgage payments, college increases and everything else in between. Back in 2013, more than 3 quarters of Americans were living paycheck to paycheck. In 2016, more than half of Americans have less than $1,000 dollars to their names according to a Forbes magazine article, and many people will have difficulty paying for a $400 dollar emergency.

There are many polls and articles about the reason Trump got elected the next president of the United States, and the reason may seem reasonable for those who voted for him; They believe he will make their lives better.

But many economists, analyst,and people that Do know economics believe the top 1% will be the only people that benefit from a Trump presidency.  If you are in the 1%, congratulations! But if you checked the links above and checked the Times’ article, and you are one of those Americans that are living from paycheck to paycheck, then you will have to wait and see if a Trump presidency is beneficial to you.

We, as individuals have to take care of our finances first, before we can take care of many other issues concerning our lives.  Regardless who is the president at the moment, our personal finances are our responsibility and have to take care of them responsibly.

There are many safety precautions we take with our children to live a safe and prosperous life, and here are the 3  insurances we must have to live a responsible life, and to protect our children in case of an accident.

  1. Homeowners Insurance —For many people, their home is their greatest asset.  If they have equity, if their home has gone up in value, or they have done a good job remodeling, chances are the home is their greatest asset.
  2. Disability and Life Insurance— Health insurance is and has been mandatory since 2014.  You must carry a minimum level of health insurance coverage or risk paying a tax penalty fee otherwise. Life insurance isa protection for your family in case something should happen to the main provider.
  3. Car Insurance —In many states in no longer possible to register your car without proof of insurance.  Having enough insurance to protect yourself and any passengers traveling with you at any time is the prudent thing to do.

Living responsibly means taking care of those frustrating issues that we would rather not.  Insurance to protect our assets and the health and well being of our family falls into that category of frustrating issues. Live well and responsibly. Take care of your family issues.