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Expecting home loan rates to drop with the Federal Reserve rate reduction? No. As occurred the last time, lenders reduced rates over the past two weeks, but raised them an eighth to a quarter percent this afternoon. Still, home loan rates are historically low.
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We all know we can better control our future when we think ahead about what disasters could occur. Here are a few things to protect your future:
Protect your credit report--be sure your vehicle title is transferred. Credit reports may include negative comments regarding vehicles that were sold, but the title transfer was not completed by the new owner. To make certain ownership IS transferred, you may utilize this official (California) change of auto ownership document: www.dmv.ca.gov/forms/reg/reg135.pdf
 Protect your financial future - prepare for disaster- The recent southern California fires remind us that we're usually ill-prepared for disaster. Here are some actions we can all take, actions that will make the recuperation process easier. (This is a simple reminder, and, not intended to cover everything.)
Keep copies of your insurance policies in a safe place / places. You may want to enter policy numbers and contact information in your contact list on a PDA or cell phone.
Create an inventory of your belongings. Do this soon. It will be useful if you need to make a claim in the future. Yes, I know, it's tough to take the time to make an inventory, but just do it. And, remember to keep it updated.
Determine in advance what items to have ready to take with you-those things that cannot be replaced, and, that can be easily carried with you. Remember items like cell phone chargers, jackets, blankets, pet food, prescription drugs. There will be other useful items, but whenever possible, only take what you can carry or keep in your vehicle. Be sure kids consider what they want to take, too.
You may need money, so figure out which checking / credit accounts would be available in an urgent situation. You may want to keep a little cash with you, too.
This is the toughest action: make a plan for escape, where to meet your family if you are separated, where you might be able to stay for a few days. When your family members know you have a plan, they may be less upset because they know what to expect.
Should you need temporary housing, remember that your local REALTOR may be able to help find a place. Just call to find out.
Protect yourself--be prepared for road dangers.
Keep roadside breakdown essentials in the trunk: flares, a tire-inflation canister, basic hand tools, spare belts & hoses, water, a flashlight, and a first-aid kit. Have your vehicle inspected regularly, keep it well maintained and learn how to change a flat tire.
--NATIONAL ASSOCIATION OF REALTORS'® 2007 REALTORSafety Week
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