Education

California Fair Access to Insurance Requirements (FAIR) Plan - Your Last Resort Insurance Plan

Is your home hard to insure?

Don’t fret! Your home is not uninsurable.

wildfire_californiaThe California Fair Access to Insurance Requirements (FAIR) plan is your insurer of last resort. You have to exhaust all efforts to benefit from this.

The California Fair Access to Insurance Requirements (FAIR) plan is an insurance pool established to guarantee the availability of basic property insurance to those who have been unable to obtain insurance through the voluntary insurance market.

firefighters_fighting_wildfire_californiaHomeowners in wildfire-prone regions may need to turn to the FAIR Plan if they cannot find insurance elsewhere.  You should exhaust all other avenues before going with a FAIR Plan policy, which should only be considered a last resort.

A FAIR Plan policy is pretty bar bones: it will cover losses due to fire and smoke and it will satisfy a mortgage company’s requirement that a home be insured, but it will not cover damages from earthquake, theft, vandalism or personal liability.  As of April 1, 2020, the FAIR plan’s combined dwelling coverage limit is $3 million, up from $1.5 million.  For more information visit cfpnet.com

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What's the Better Investment : Real Estate or Stocks?

stock marketAn investment portfolio of a mix of stocks and real estate is always ideal but what if owning both were not possible?

 What if you could only choose one of them and had to stick with it for the rest of your investing life?

 Which one would be the better choice?

 While stocks have been a traditional mainstay for investors for over two centuries within the U.S. - the New York Stock Exchange (NYSE) began in 1817 - many would-be investors have not considered the benefits of using real estate as an investment vehicle instead of just a place to lay one’s head.

 Real estate can offer lower risk, higher returns, and more diversification than stocks if invested correctly.

 That is not to say that stocks do not offer benefits to investors, it is just that real estate has many more practical applications that can translate into real-world value - value that a stock certificate can not achieve outside of the investment arena it is traded in.

 So, which one is the better investment vehicle?

 Each investor’s financial situation and goals are different which makes the final decision an individual one.

 However, sound investing information can go a long way to helping investors make a decision that is right for them.

 By no means is this article trying to negate investing in one asset class over the other. Its main objective is to ...

Young Writers Program Gala

Young Writers Program Gala

Dance Benefit Portuguese Hall

Friday, Feb. 21, 2020
6:00pm - 9:30pm
Portuguese Hall, Harvey West Park

Help fund the 2020-2021 writing publications and support Branciforte Middle School

Music by the Joint Chiefs, Silent Auction, Delicious Appetizers, Photo Booth, Poetry Readings, B40 Band, and Kids Corner.

young writers program gala dance benefit portuguese hall

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Why Building Permits Will Make You Question Everything?

So you've been issued a building permit for your soon-to-be constructed dream home. Its been months, so you'll ask, is my building permit still valid?

A building permit remains valid despite changes in the building code as long as work is commenced within 12 months after issuance.

building construction permit A provision of the California Building Standards Law specifies that a local ordinance adding or modifying building standards for residential occupancies, published in the California Building Standards Code, applies only to an application for a building permit submitted after the effective date of the ordinance and to plans and specifications for, and the construction performed under, that permit, unless, among other reasons, the permit is subsequently deemed expired because the building or work authorized by the permit is not commenced within 180 days from the date of the permit, or the permittee has suspended or abandoned the work authorized by the permit at any time after the work is commenced.

This new law instead provides that a permit would remain valid for purposes of the California Building Standards Law if the work on the site authorized by that permit is commenced within 12 months after its issuance, unless the permittee has abandoned the work authorized by the permit. The law also authorizes a permittee to request and the building official to grant, in writing, one or more extensions of time for periods of not more than 180 days per extension. It requires that the permittee request the extension in writing and demonstrate justifiable cause for the extension. Read More Here

An act to amend Section 18938.5...

Improving your child's math in Carmel with new technology

Using Technology to Help Children with Math Has Big Benefits

kids mathIf you grew up in a Carmel home and went to a typical California school, odds are you have memories of how boring math class was. It's no secret -- surveys show that roughly 40% of Americans find the subject dull or intimidating. Luckily for today's kids, new advances in technology have demonstrable benefits when it comes to helping them engage with the material.

Part of the problem that children face stems from parental help, or a lack thereof. Many parents are reluctant to sit down and work with their children on their math homework. While your average parents with a Carmel home understand the importance of teaching language skills and reading to children frequently, most parents regard teaching subjects like math as a school's duty. Increasing parental engagement alone isn't the answer, however, as a recent study from the University of Chicago found that receiving frequent help from parents who weren't confident in math actually undermined children's performance.

Luckily for those families, a subsequent study may have found the answer -- an iPad app. Bedtime Math is an app that offers children and parents math problems to solve in the context of a bedtime story. It makes the material fun and engaging for children who are anxious or apathetic about math, and provides structure to help prevent math-anxious parents from getting in their children's way.

improving mathDuring the course of the study, the experimental group used Bedtime Math while a control group used...

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