Tuesday, October 1, 2013

Protecting Your Home From Fire

By Franklin Skribbit


In a perfect world, we would learn to properly maintain every potential fire hazard in the house. Our heaters would always be in perfect working order. We would never leave a flammable object close to the open flame of a stove.

Candles would be properly blown out before going to bed at night.

The first step is your credit score and your collateral. Not much really you can do about collateral unless you really feel that you need to burn money.

Standing in the doorway was an animal control police officer. "Do you smell that natural gas?" he asked. "Well, now I do. I couldn't smell it before I opened the door." "Well, I'm going to take a look around. Is anyone else at home?" "I've got two small kids here with me." "Okay. Stay inside and I'll let you know what I find."

2. Just Before Your Search Spend a few hours and research mortgage jargon. This will make you more knowledgeable and help you understand exactly what you are purchasing. It will also catch lenders off guard and dissuade them from trying to tack on extra expenses. Determine your budget and stick to it. This is a big decision and needs to be made before you speak with lenders. If you go with no budget you may end up taking a loan much too large for you needs.

Continuing their campaign to create a fire-safe America, the U.S. Fire Administration (USFA) released materials regarding the proper maintenance of your fire alarms and sprinklers.

The USFA believes strongly that the routine maintenance of your fire alarm could protect more lives than just those of those in the home, and reducing fatalities from fire damage is the USFA's number one goal.

They call their campaign Install. Inspect. Protect. They want everyone in the house to have proper warning of impending danger.

Check with local banks and credit unions apart from your own bank. Also throw in a mortgage broker or two. Collect information from these different banks. Gather up the rates the offer along with closing costs and other associated terms. The more detail you collect the more bargaining power you have against the different lenders.

Two fire trucks, three ambulances, a police truck, the original animal control officer's truck and the truck of another animal control officer (who was bored and in the area) were all parked in front of my house.

On the third page of the GFE document there is space for you to compare your different loans and see what your different options include. Again you want to compare accurate information not commercials. Mortgage rates in commercials are showing rates that will only be offered by the ideal borrower.

If there was one thing you did to fight fires at home, it should at least be the proper maintenance of your smoke alarms (and sprinkler systems if you have them).

General contractors in Salt Lake City are required to have some sort of Fire Alarm installed in every building that they construct. This is according to the laws and regulations that are inspected by a registered fire Marshall who comes and inspects every building that finishes construction.

Many general contractors try and work their way around the tight regulations but these laws are strict and there have been many law suits in the past because people tried to bypass them. Safety should be everyone's #1 goal.




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