Motorcycle Safety

Motorcycle SafetyOn average more than eight million motorcyclists hit the road every year. Motorcyclists are 26 times more likely than passenger car occupants to die in a crash and five times more likely to be injured. In 2014, 4,586 motorcyclists died in crashes while another 92,000 were injured according to a report from the National Highway Traffic Safety Administration. Stay safe out there. Don’t become a statistic.

Following are two safety checklists: one for drives and one for riders.

For Drivers:

  • First and foremost, as a driver you need to be aware of your surroundings especially motorcycles. There are a lot more cars and trucks on the road making motorcycles easily forgotten and hidden.
  • Keep in mind that due to its smaller size, a motorcycle may appear to be farther away than what it actually is and plan accordingly.
  • The small size of a motorcycle also gives the appearance of increased speed. Not all motorcycles are actually speeding, some just look like they are.
  • When following, give motorcyclists more room than you would a car. Motorcycles usually slow down by downshifting and easing up on the throttle which doesn’t activate a brake light. Be prepared for a slow down without a visual warning.
  • Due to decreased traction, motorcyclists often change and adjust their position within a lane. They do this for a variety of reasons including to be seen more easily by other motorists and avoid obstacles such as debris and sand. Just remember most of these adjustments are made for a purpose and not to be reckless.
  • Although increased maneuverability is one of the perks of operating a motorcycle, don’t expect a motorcyclist to always be able to stop or get out of the way in time.
  • Last but certainly not least, when you encounter a motorcycle on the road, think of it as a person and not as a motorcycle.

For Riders:

  • Protect your noggin and wear a helmet. We’ve all seen what happens when a grape gets smashed.
  • Use your turn signals either manually with your arms or electronically through your one man (and occasional passenger) riding machine.
  • Wear appropriate attire, like boots and gloves. No shorts and sandals unless you like dealing with an extreme case of road rash.
  • Look where you want to go because you will go where you look- it’s that simple. Keep those eyes focused on the road and avoid running into surprises or the other lane.
  • Avoid using the front brake first. Remember that time you were barreling down a hill full speed on your bicycle, pushed your hand break to stop and went flying? Yeah same concept. Apply your foot break first and you will be glad you did.
  • Down shift and chill. Riding is all about weight distribution and traction. If you go into a turn or corner too hot and try to brake you’re going to be thrown off balance. Instead, shift down and brake before the turn. Save the going fast part for your way out.
  • Look out for sand, debris and other obstructions on the road. Gravel and sand between the pavement and tires give your motorcycle even less traction than it had before and is best avoided altogether. However, if you happen to find yourself riding across an unavoidable sand trap remember to keep it slow and steady along with keeping your hog as upright as possible.
  • You also should be on the lookout for other motorists, cars and trucks. You will likely see them before they see you if they even see you at all.
  • Last but not least, please don’t drink and ride!

5 Signs You Need To Replace Your Siding

shutters-669296_640Have you been looking at your siding and wondering if now is the time to replace it? To help you determine this, here are 5 signs that it’s time to replace your siding.

  1. Rot run. Your siding cannot be effective if it’s beginning to rot or crumble. If you notice this happening, you may be able to only have to repair the affected area. However, if the rotting has spread across your exterior, you will need to start over. Choose a rot-resistant material to help protect against rotting in the future.
  1. Cracks and gaps. Gaps and cracks in your exterior don’t only look bad, but can allow for moisture to seep into the cracks and rot your wood. This can also allow for critters and insects to enter into your home and walls which can lead to some serious problems.
  1. Hidden hazards. Take some time to walk around your home and inspect the exterior of your home carefully. If you notice any bulging or warped siding panels, this can be a sign of some serious damage beneath the siding. If this happens, contact a professional contractor for consultation to learn more and find out your options.
  1. Moisture and mold. Moisture build up can lead to rot, mold, or mildew which can lead to serious health problems. Bring in a professional to look over the damage and help you determine if you need to update the siding or if more internal work needs to be done.
  1. Higher resale value. If you’re planning on selling your home soon, replacing your siding can boost your resale value. Though this can become costly, in most cases you can recoup the cost in the resale. Your real estate agent can help you determine if this is something worth doing.

The more you can do for your home now to keep your home looking its best, the better off you’ll be (and the less money it will cost you) in the long run. At the end of the day, you’ll be glad you did.

FRUIT HEIGHTS OPEN HOUSE

The Ryan Ivie Sales Team is pleased to announce they are having an Open House this Saturday, May 7th from 10 am to 2 pm in Fruit Heights just a pitching wedge away from The Davis Golf Course!

 

Hosted by the Ryan Ivie Sales Team and Angie Larkin, this home is upgraded with Quartz counter tops, can lighting throughout, time-crafted Walnut wood flooring throughout main level, upgraded carpet, Modern kitchen has a sunny garden window, expanded island bar.


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Located at 911 S Cherry Plum Lane, Fruit Heights, Utah 84037. This beautiful home in Fruit Heights will be open to the public on Saturday, May 7th 10 am to 2 pm, be sure to stop by and have a look at this wonderful home. Look forward to seeing you at our Fruit Heights Open House!

 

For more information visit www.RyanIvie.com/mls/1376964 or Call 801-774-1687

4 Homeownership Payment Programs To Know About

coins-currency-investment-insuranceMortgage payments are a part of homeownership. In your due diligence, you may feel a bit overwhelmed by the idea of saving up for a home, but if you break it down into smaller steps you can feel a little more in control.

As you begin your path towards homeownership, here are 4 low-down payment programs to be aware of:

  • GSE-backed loans. These are government-sponsored (Fannie Mae and Freddie Mac) enterprises which help to drive the mortgage market and are backed by loan-to-value loans. Learn more on what you might qualify for with this great calculator.
  • FHA. Through participating lenders, the Federal Housing Administration (FHA) provides 3.5% down payment mortgages for those who qualify. Compared to more conventional mortgages, these types of loans are easier to qualify for and have slightly lower rates.
  • VA. Veterans Administration (VA) loans are eligible to veterans and active duty servicemembers and their families. This type of loan require no down payment or mortgage insurance.
  • USDA. For those living in rural and suburban areas, the U.S. Department of Agriculture (ISDA) offers low rates and 100% financing.

To learn more about these types of loans and what you qualify for, your loan officer can answer your questions and help you decide what type of mortgage is best for you.

5 Tips For Getting Your Apartment Deposit Back

Getting ready to move out of your apartment and into your dream home? As you prepare to make the move, here are 5 tips for helping you get your deposit back from your landlord: chess-603624_640

  1. Tell your landlord. If you’re planning on moving out, tell your landlord early on. By talking with your landlord, you can find out if their are any minor repairs or other expectations (such as shampooing carpets) that needs to be done. If you know about these things upfront, you can take care of them yourself and save yourself some extra cash.
  1. Deep clean. Common courtesy says you should tidy up your apartment before you move out, but it will also help you get your deposit back. Take some time to wipe down appliances, clean the oven and stove, and take out the trash.
  1. Repair any damages. If there are structural damage (large holes, chipped tiles, or exposed fixtures) make sure they are repaired. Any small holes, such as those left behind from curtains, are fine, but it is the bigger ones you’ll want to repair.
  1. Fix maintenance issues. Any broken item, a leak under your sink (even if it wasn’t your fault), should be fixed before you hand in your keys. If you don’t take the time to repair this, your landlord could charge you for the damage, even after you’ve moved out.
  1. Remove add-ons. If you’ve added any partitions or walls in your apartment, make sure they’re removed before you move out—unless otherwise expressed in your lease. However, in most cases, these types of structures are usually required to be removed at the tenant’s expense.

What some extra tips? Check out the article, 7 Ways to Guarantee You Get Your Apartment Deposit Back. Have something to add? Tell us your thought below in the comments.

3 Tips for Selling A Home With Pets

Are you trying to sale your home with pets? As a pet owner, covering up lingering pet smells and getting fur out of the carpet can be a challenge. To help you prepare your home for sale, without sending potential buyers running, here are few tips to make the process easier: girl-1160441_640

  1. Check your fencing. Take some time to mend your fencing, deck, and porch which may have marks from any scratching or chewing. Most of these marks can easily be erased with a little elbow grease and sandpaper.
  1. Pick up your yard. To protect your home, and not turn home buyers away, take a moment to clean up after your pet to ensure no pet-related landmines enter your home.
  1. Hide any evidence of a pet. Because you want potential home buyers to envision themselves living in your home, you’ll want to hide any evidence of a pet. Remove their toys, water and food dishes, and anything else that distracts from the home. Also, when showing your home, if possible, have your pet temporarily off-site to limit the chances of them escaping through the front door or turning into a liability.

Have some things to add about selling a home with pets? Tell us about them below in the comments or on our Facebook page.

Create New Habits For Saving Money With These 4 Tips

With the New Year, many people are thinking of new ways to save money. This year, create new habits for saving money with these 4 tips:dollar-943737_640

  1. Turn off the lights. You may not think about it, but turning off the lights in your house or in a room when you’re not there can save you some extra cash. Also, turn down your thermostat when away and during the night when you’re sleeping. Even turning down the temperature by 10 degrees can benefit you in the long run.
  1. Double your batches of food. Life can get pretty chaotic and cooking dinner can be quickly improvised by hitting a fast-food drive in. However, that can get pretty costly after a while and is not the most healthy option. Instead, make extra batches of casseroles, soups, chili, and other foods that can easily be frozen. During those days you don’t have time to cook, just pull one of your pre-made foods out and reheat.
  1. Hide your credit cards. Credit cards can be tempting to use, especially when you carry them around with you. Instead, take them out of your wallet and put them in a safe place in your home. By removing the temptation from the wallet, and only using them for emergencies, you can keep yourself out of debt (or pay it off faster).
  1. Avoid expensive impulse buys. Make a promise with yourself this year to give yourself 24 hours to really think over an expensive purchase before going through with it. By giving yourself time to seriously consider the purchase, you’re less likely to make an impulse buy your going to later regret.

Take some time to create a budget spreadsheet and see where you are spending your money. By having a better idea on what you’re spending your money on, the better you can revise your budget and cut overspending.

In addition, read blogs by Dave Ramsey, Suze Orman, or any other financial investor you trust. There are lots of various resources out there to help you save money and develop new habits for getting out of debt.

7 Must Know Costs When Buying a Home

flowers-675949_1280When it comes to buying a home, there are many things to consider—getting pre-approved, finding your dream home, and your monthly mortgage—but there are some costs that get overlooked. As you begin the process towards home ownership, here are 7 costs and fees to be aware of:

  1. Home inspection. Your home is a huge investment, probably the biggest you’ll ever make, and you’ll want to have the home inspected before making an offer. If the home needs repairs, this will give you some leverage when making your negotiations on the price. A home inspection can cost a few hundred dollars, so make sure you’re prepared, financially, for this.
  1. Appraisal fees. Before buying a home, your lender will require you to have the property valued by a professional real estate appraiser. At one point, this was included in the closing costs, but is no longer done that way.
  1. Private mortgage insurance. Ideally, you want to put a downpayment of 20% of the price of the home. If you can’t put down 20%, in most cases, you’ll be obligated to take out a private mortgage insurance policy. Although the cost of this private insurance, on a home costing around $200,000 can expect to pay around $50-$100 per month.
  1. Closing costs. As you begin to close on your dream home, you’ll be expected to pay closing costs. The closing costs consist of processing fees, underwriting fees, recording fees, survey fees, and title insurance fees—all these fees add up to thousands of dollars (2-3% of the mortgage loan amount). When you apply for your home loan (aka getting pre-approved by your bank, credit union, or mortgage lender), make sure this closing fees are included in the loan.
  1. Homeowners insurance. This insurance is important to protect yourself against repairs or replacement costs if your home is damaged in a major event (earthquake, fire, hurricane, etc) or theft. There are various home insurance options so make sure while you’re talking with insurance agent to find out which insurance policy is your best option and get a quote so you can budget it into your expenses.
  1. Property taxes. Property taxes are set by the local government for public expenses, including, but not limited to, schools, parks, and sidewalks. The seller or seller’s agent can provide you with the annual costs of this. Also, find out when the next tax assessment is and if the property taxes will be raised due to the sale of the home.
  1. Utilities. While you prepare to make an offer on your dream home, ask the seller to provide you with a year’s worth of utility bills to determine what your monthly utility costs will be. Take into consideration of the difference of family size, a single person (in most cases) will pay less in utilities compared to a family of four.

If you’re ready to turn home ownership into a reality, give us a call today. We’re here to answer all your questions and help you find your dream home.

Make The Most of 2016 With These 3 Unique New Year Resolutions

Can you believe 2016 is a few weeks away? With the New Year approaching, many people are starting to plan their resolutions. However, perhaps you’re not motivated not set any New Year goals because you can’t think of anything interesting or inspiring. I mean, there is always the standard, lose weight or get healthy goals.padlock-166882_640

This year, instead of going with the standard, fall back goals, here are 3 unique goals to set for 2016.

Break out of your comfort zone. As humans, we tend to like to get into our comfort zones and stay there. Take some time to grow this year and try something new, choose something to make you stretch and push you out of your comfort zone. If you’re having a hard time facing your fear of trying something new, check out the book, Feel The Fear And Do It Anyway by Susan Jeffers. This is an excellent book about facing your fears.

Give a gift every day. This doesn’t have to be expensive. Your gift may be giving someone a smile, shoveling a neighbor’s driveway, or helping around the house more. The point is to take some time each day to do something for someone else. Get creative here and have some fun.

Unplug for an hour each day. Take some time each day to unplug and turn off your phone, computer, and other electronics to spend time with the people who matter most in your life. Use this time to connect with your family, friends, and yourself. We’re all so connected with our phones and social media that we forget to enjoy the world around us. This year, make it a point to spend time living—really living.

How to Hang Christmas Lights

Christmas lights are already coming up! I cannot tell you how surprised I am that it is that time of year again. Where has 2014 gone? Hanging Christmas lights is a huge tradition for many people during the holiday season.SMChristmasLights

Choose what lights you want to use. In this day and age, there are so many types of lights to choose from. Do you want LED, solar, string or icicle lights? Each has their own beauty and knowing which kind of light you want to use can add a different element to your light design.

Have the necessary clips and other equipment needed to hang your lights. Depending on the structure of your roof and lighting choice, there are many clips to choose from. Check out this in depth chart to help you navigate which clips are best suited for your decor.

Stay safe while putting up your lights. Remember to never hang lights while they are plugged in, never cut the electric cord while the lights are plugged in, along with these other tips.