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Protect Your Art, Antiques and Collectibles

by Carla Griffin on August 16, 2018

Moving can be a hectic time. Packing up your home requires careful planning. If you own fine art, antiques or collectibles, you need to take additional measures to ensure your belongings get to your new home safely. Here are four things to keep in mind.

Take Inventory 
Know the condition of your belongings before movers handle them. Take detailed photos of your collection so that individual pieces can be clearly identified. If anything is missing after the move, the pictures will help you identify the specific pieces that must be found. For fine art and antiques, take photographs in bright lighting and from multiple angles. Don’t leave any room for guesswork should damage occur during transportation. 

Insure Your Move 
Moving companies are legally required to give basic coverage during transportation, but paying for full-value protection through your insurance agent is wise, especially for items that cannot be easily replaced. Insurance is another reason to take photos of your belongings — before and after images of mishandled valuables are powerful corroboration for reimbursement. 

Ensure Packing Best Practices 
Experienced fine art movers will wear fresh, white gloves when touching paintings, sculptures or antiques. They should provide clean moving blankets and special packaging for custom or delicate items and have a system for labeling and identifying fragile boxes.

Mind the Elements 
Certain antiques and art may deteriorate if exposed to extreme heat or cold for too long. Your movers should have climate-controlled moving trucks for your most sensitive belongings. Even if temperate conditions are not necessary, ensure that fragile belongings are the final pieces loaded into the moving vehicle, and the first pieces unloaded. 

Whether you’re ready to find your next home or need recommendations for local moving companies, get in touch today for help and resources to guide you through the process.

 

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Understanding Propositions 60/90

by Carla Griffin on July 28, 2018

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Choosing countertop colors

by Carla Griffin on July 25, 2018

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5 THINGS TO KNOW BEFORE BUYING WITHIN AN HOA

by Carla Griffin on May 26, 2018

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When purchasing property that is under the jurisdiction of a homeowners’ association (HOA), buyers should be aware of the following five things.
 
1. The HOA’s Rules
 
The covenants, conditions and restrictions (CC&Rs) is one of the most important disclosure documents for a buyer. CC&Rs contain the rules that govern the HOA and restrict its owners. These restrictions include matters of architecture, paint color, decor, and other conditions of the interior and exterior of the property as well as the common areas of the development. In many ways, these rules are tantamount to another set of regulations aside from those of the city or county. If potential buyers plan to undertake remodeling or improvement on a property with a HOA, the CC&Rs are critical to understand beforehand. HOA’s can fine buyers for violations of CC&Rs and in certain cases can put liens against the property and take it from the owner.
 
2. The HOA Fees and Finance

A buyer should know the HOA fees they will be required to pay and how much and how often the HOA fees may be increased. They should also inquire as to how much reserve the HOA has at the time of purchase.
 
The buyer should find out if the HOA has sufficient income in the reserve to cover unexpected damages or events not covered by insurance. Further, the method of the HOA in collecting and managing funds in the reserve is important. HOAs should properly maintain financial documents that include budgets, association reserves, outstanding loans and insurance policies.
 
3. Property Insurance
 
Insurance is particularly important if the property is in an area that is prone to natural disasters like floods, earthquakes or hurricanes. Buyers should review the catastrophic insurance policies of the HOA before purchasing.
 
4. Past HOA Meeting Minutes

 
HOAs that are well managed will have regular board meetings. The meeting minutes should include the discussions of the board. The minutes can reveal potential risks, past or current policy conflicts, owner complaints, potential special assessments and proposed changes to the CC&Rs.
 
5. Miscellaneous
 
Some for-sale properties might have existing CC&R violations. Potential purchasers need to be aware of who is responsible for bringing the property in compliance.
 
Further, some HOAs might be party to lawsuits with third parties or might be poorly managed. It is always worthwhile to investigate these matters prior to purchase.
 

Some more helpful information can be learned by reviewing Civil Code Sections 1365-1368.

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Do you have a Will and/or Living Trust?

February 3, 2018

Are you aware that if you do not have a Will and/or Living Trust and you pass away, your property will need to be probated.   In June 2016, a new type of deed took effect in California: The Revocable Transfer on Death … Continue reading

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Energy Efficient Tips to Beat the Heat

August 16, 2017

  As we enter into the lazy hazy days of summer, most of us are seeking refuge in our air conditioned homes with our sprinkler systems running on all four cylinders. Unfortunately, as temperatures skyrocket rise so do our energy … Continue reading

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Four Benefits that Reverse Mortgages can Offer Seniors

August 11, 2017

Baby boomers: the ideal reverse mortgage candidate? According to newly-released government data, 32% of Americans aged 65 to 69 are employed—the highest percentage in 55 years. In addition, 19% of Americans aged 70 to 74 are still working, up from 11% … Continue reading

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Home Equity Conversion Mortgage (HECM) for Home Purchase

July 15, 2017

A Home Equity Conversion Mortgage for Home Purchase can be life changing for many Senior Borrowers!  People decide to move for multiple reasons.  Maybe their current home is too big or too small. Perhaps they would like to be closer … Continue reading

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Spring into this new season!

March 12, 2017

Spring into the new season with potted vignettes that exclaim “out with winter” and “in with buds and blooms.” Here is a container combination — with pastel-petaled tulips, sunny daffodils, bright green foliage and sweet strawberries — that capture spring … Continue reading

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Set your clocks forward 1 hour on Sunday, March 12!

March 9, 2017
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