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Burnt Hills, NY Real Estate News

New Construction Homes for Sale in Burnt Hills NY, Todd Stewart of Stewart Construction-Custom Home Builder in Burnt Hills NY.       Compile a Home Inventory with the Right Tools A home inventory of your belongings for insurance purposes is a relatively inexpensive way to make any future claims go smoother. Creating a video record of your possessions is a good idea, especially if you describe the items out loud as you record. Be sure to make backup copies as well. Image: Pascal Broze/Getty Images  New Construction Homes for Sale in Burnt Hills NY, Todd Stewart of Stewart Construction-Custom Home Builder in Burnt Hills NY.       Compile a Home Inventory with the Right Tools Creating a home inventory for insurance doesn't need to be complicated. All you really need is a pencil and paper. ...
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New Construction Homes for Sale in Burnt Hills NY, Todd Stewart of Stewart Construction-Custom Home Builder in Burnt Hills NY.       When in Doubt Disaggregate. When in doubt, disaggregate The typical American buys precisely one book a year. Ouch. Of course, this isn't true, because when it comes to books, there is no typical American. There are a lot of Americans who buy zero books for pleasure each year. And then there are people like me who buy 400. The average is irrelevant. When you can't figure out the best way to treat all your customers, the best way to price things, the best thing to offer, realize that the problem is almost always this: you're trying to treat everyone the same. Don't. Break them into groups with similar attributes, and suddenly the path becomes a lot more clea...
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New Construction Homes for Sale in Burnt Hills NY, Stewart Construction-Custom Home Builder in Burnt Hills NY.       Breaking news New Construction Homes for Sale in Burnt Hills NY, Stewart Construction-Custom Home Builder in Burnt Hills NY.       Breaking news I don't know if you've noticed, but there seems to be a lot more breaking news than there used to be. The thing is, there's no more news, just more breaking. If news is stuff I need to know, want to know, stuff that will help me make better decisions or generally keep me informed, then, no, I'm not noticing more of it. If breaking is stuff that interrupts a TV interview, flashes across a website, breaks into a radio show or just shows up on Twitter, then yep, there's a lot more breaking going on. You can turn your reddit posts or...
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Homes for Sale in Burnt Hills NY, Stewart Construction-Custom Home Builder in Burnt Hills NY.       Revisiting conspicuous consumption The reason you have a front lawn? It's a tradition. Lawns were invented as a way for the landed gentry to demonstrate that they could afford to waste land. By taking the land away from the grazing sheep, they were sending a message to their neighbors. We're rich, we can happily waste the opportunity to make a few bucks from our front lawn. Conspicuous consumption has a long history. Wasting millions of dollars on a shark in a tank, or on $50,000 platinum stereo cables that sound an awful lot like $2000 stereo cables (which sound a lot like $200 stereo cables). And on and on. In fact, the origins of the luxury goods industry lie in this desire to waste, i...
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New Construction Homes for Sale in Burnt Hills NY, Stewart Construction-Custom Home Builder in Burnt Hills NY.       Rights and responsibilities Robert Bookman from the restaurant industry was quoted as saying that it would violate the free speech rights of restaurant owners if they had to post a health department grade of their cleanliness in the window. More and more, businesses and businesspeople talk about their rights. It seems, though, that organizations and individuals that focus more on their responsibilities and less on their rights tend to outperform. You're responsible to your community, to your customers, to your employees and to your art. Serve them and the rights thing tends to take care of itself. Another thought: If I worked at Pepsi, I'd be actively lobbying for the obe...
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New Construction Homes for Sale in Burnt Hills NY, Stewart Construction-Custom Home Builder in Burnt Hills NY.       7 Signs You May Have a Drainage Problem Finding and addressing drainage problems when they're smaller and easier to fix, can save you thousands of dollars and plenty of headaches down the line. New Construction Homes for Sale in Burnt Hills NY, Stewart Construction-Custom Home Builder in Burnt Hills NY.       7 Signs You May Have a Drainage Problem Clogged gutters don't just prevent water from flowing off your home, they can also cause structural damage. Image: DMR-gutters.com  You don't need to be a house inspector to know that puddles in the basement or a lake on the front lawn are signs of drainage trouble. But not all drainage problems are so obvious. Some can be hard...
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New Construction Homes for Sale in Burnt Hills NY, Stewart Construction-Custom Home Builder in Burnt Hills NY.       Q&A: Emergency Preparedness for Homeowners New Construction Homes for Sale in Burnt Hills NY, Stewart Construction-Custom Home Builder in Burnt Hills NY.       Q&A: Emergency Preparedness for Homeowners Court Ogilvie of the American Red Cross says there are things every homeowner can do to prepare for disaster before it happens. Image: American Red Cross Emergency preparedness starts at home. Because disasters, from floods and fires to hurricanes and tornadoes, can strike without warning, it's critical to have a disaster response plan in place almost from the moment you buy a house."I really can't overstate the importance of thinking things through," says Court Ogilvie, c...
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New Construction Homes for Sale in Burnt Hills NY.  Stewart Construction-Custom Home Builder in Burnt Hills NY.       What types of identity theft are not covered by monitoring services? New Construction Homes for Sale in Burnt Hills NY.  Stewart Construction-Custom Home Builder in Burnt Hills NY.       What types of identity theft are not covered by monitoring services? Generally, credit monitoring services cannot protect against the five kinds of fraud which we will describe below. Some more comprehensive services may be able to provide limited protection against these other types of fraud. Generally, services that claim to provide more comprehensive protection monitor online chat rooms, blogs, and news sources to look for evidence of criminal activity. However, there is no assurance ...
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New Construction Homes for Sale in Burnt Hills NY, Stewart Construction-Custom Home Builder.       Are you rational? Before you make any more decisions you need to answer that question. A rational decision is based on testing and data and an understanding of the mechanics underneath the system you're working on. The more you know, the better you decide. An irrational decision is based on gut instincts, conviction and faith. New Construction Homes for Sale in Burnt Hills NY, Stewart Construction-Custom Home Builder.       Are you rational? No one is rational all the time. In fact, somewhere along the way we made 'irrational' into a bad word, but it shouldn't be. There are card counters in Las Vegas who are rational about blackjack. And they make a decent living. The more they play, the b...
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New Construction Homes for Sale in Burnt Hills NY, Stewart Construction-Custom Home Builder in Burnt Hills NY.       How do I stop mail for pre-approved credit card offers? Call 1-888-5-OPT-OUT (1-888-567-8688) to use the automated system to request removal from lists that are sold by the consumer credit reporting companies (credit bureaus) -- Equifax, Experian, and TransUnion -- to creditors or insurers.  You can choose to remove your name from the mailing list for five years or permanently. If you choose permanent removal, you will be mailed a confirmation form within about five business days. You must sign and return that form to be removed permanently. You'll begin to see a dramatic reduction in these mailings within a few months. You can also request removal over the Internet at: w...
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New Construction Homes for Sale in Burnt Hills NY.  Stewart Construction-Custom Home Builder in Burnt Hills NY     Lead-Safety Rules May Derail Home Improvement Work. New Construction Homes for Sale in Burnt Hills NY.  Stewart Construction-Custom Home Builder in Burnt Hills NY     Lead-Safety Rules May Derail Home Improvement Work. WASHINGTON, March 11- Come April, it may be hard to find a home improvement contractor to work on your house-if it was built before 1978. New lead-based paint rules from the Environmental Protection Agency (EPA) governing contractors who work in older homes go into effect April 22, but most contractors aren't ready to comply, the National Association of Home Builders (NAHB) says. In testimony Thursday before the Senate Energy and Natural Resources Committee, ...
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New Construction Homes for Sale in Burnt Hills NY.  Stewart Construction-Custom Home Builder in Burnt Hills NY.     Sometimes, Moving the Staircase is the Right Solution  New Construction Homes for Sale in Burnt Hills NY.  Stewart Construction-Custom Home Builder in Burnt Hills NY.     Sometimes, Moving the Staircase is the Right Solution  I've toured a lot of remodeled homes. I've seen how removing walls can open cramped spaces, galley kitchens and closed-off family rooms. I've seen the incredible difference correct lighting can make, the dynamic impact of color, and the beauty of a room when proportion, balance, and texture commingle. Then recently, I did a story on a whole-house remodel of a 1950s ranch in Southwest Portland. All of the above was evident. But one major change caught ...
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New Construction Homes For Sale in Burnt Hills NY.  Stewart Construction-Custom Home Builder.     Cost of Solar Going Down, Industry Says  Mar. 21-David Stillwell is trying to wind down his monthly expenses so he'll have fewer bills when he retires. Toward that end, last year he bought a solar energy system for his Rosedale area home. Since then, Stillwell's monthly electric bill has fallen from $450 during hot summer months to an average of about $12 a month. "I'm tickled pea green," said Stillwell, a 49-year-old correctional officer. "Now when I go out to the mailbox and grab the PG&E bill out of there, I giggle. Before, I used to go weak at the knees." There are a lot of reasons to consider solar if you've never thought about it before, or previously dismissed it as too expensive. "P...
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New Construction Homes For Sale in Burnt Hills NY.  Stewart Construction-Custom Home Builder.     Begley Says $10 of Insulation Cut Utility Bills by Half. New Construction Homes For Sale in Burnt Hills NY.  Stewart Construction-Custom Home Builder.     Begley Says $10 of Insulation Cut Utility Bills by Half. Mar. 26-Actor Ed Begley Jr. has been an environmentalist since the late 1960s, when Cleveland's Cuyahoga River caught fire and Los Angeles was choking on its smog. But the host of a green-living reality TV show and author of "Living Like Ed: A Guide to the Eco-Friendly Life" told hundreds of students and business people at the Green Energy Summit Thursday that he got his own comeuppance, thanks to modern technology. A couple asked to do an energy audit of Begley's house, where the a...
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New Construction Homes for Sale in Burnt Hills NY.  Stewart Construction-Custom Home Builder.       FAQ About Your Credit Score. New Construction Homes for Sale in Burnt Hills NY.  Stewart Construction-Custom Home Builder.  FAQ About Your Credit Score.     Do Credit Report Inquiries Lower Your Score? Your credit report includes more than your record of paying bills. One section of the report lists inquiries. These are records showing who has accessed your credit report. There are various purposes allowed for companies to look at your credit report. Your credit card company may monitor your report to review your account with them. This type of inquiry appears on your credit report, but does not affect your credit score. Creditors and insurers review your report to see if you qualify for ...
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New Construction Homes for Sale in Burnt Hills NY.  Stewart Construction-Custom Home Builder.   Your Credit Scores. New Construction Homes for Sale in Burnt Hills NY.  Stewart Construction-Custom Home Builder.   Your Credit Scores. New Rights to Credit Scores Credit scores have been available for some time. Some states - California led the way -- passed laws to require score disclosures. Even without the legal requirement, scores soon became available as industry practice. Recent amendments to the FCRA created a national standard allowing access to credit scores for a "reasonable fee". However, the "reasonable fee" access only applies to "educational" credit scores compiled by the three national credit bureaus - Experian, TransUnion, and Equifax.   New Construction Homes for Sale in Bur...
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New Construction Homes for Sale in Burnt Hills NY.  Stewart Construction-Custom Home Builder.  Maybe you need new friends. Real world friends are hard to find and hard to change. But virtual friends? If your online friends aren't egging you on... If your online friends don't spread the word about the work you're doing... If your online friends aren't respectfully challenging your deeply held beliefs... If your online friends don't demand the best from you... New Construction Homes for Sale in Burnt Hills NY.  Stewart Construction-Custom Home Builder.  Maybe you need new friends. Then perhaps you need new online friends.  
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New Construction Homes for Sale in Burnt Hills NY.  Stewart Construction-Custom Home Builder in Burnt Hills NY.  Credit Cards and Charge Cards New Construction Homes for Sale in Burnt Hills NY.  Stewart Construction-Custom Home Builder in Burnt Hills NY.  Credit Cards and Charge Cards When you use a credit card, you're essentially taking out a loan. The merchant, going through the card network, electronically contacts your card issuer (usually a bank) to verify your account number, expiration date, and credit availability. Once that information is verified, the card network authorizes the transaction. The merchant then is paid by the card network, and the card network collects the money from the card issuer, which bills you in your next statement. You can choose to pay the bill in full ...
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New Construction Homes for Sale In Burnt Hills NY.  Stewart Construction-Custom Home Builder in Burnt Hills NY.  Your CLUE Insurance Report Matters Your CLUE insurance report keeps your homeowners insurance claims alive for seven years-and that could cost you on your premiums. Knowing what's on your CLUE report will give you a sense of whether you'll need to pay extra for homeowners insurance. Image: Rosanne Olson/Getty Images New Construction Homes for Sale In Burnt Hills NY.  Stewart Construction-Custom Home Builder in Burnt Hills NY.  Your CLUE Insurance Report Matters A tree falls on the roof of your house. You file an insurance claim with your agent, collect a settlement from the insurer, and fix your roof. End of story, right? Not quite. Every claim you make on your homeowners ins...
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New Construction Homes for Sale in Burnt Hills NY. Stewart Construction, Custom Home Builder Saratoga County.  Improving Your Score It's important to note that raising your score is a bit like losing weight: It takes time and there is no quick fix. In fact, quick-fix efforts can backfire. The best advice is to monitor and manage your credit obligations effectively over time. New Construction Homes for Sale in Burnt Hills NY. Stewart Construction, Custom Home Builder Saratoga County.  Improving Your Score.     Payment History Tips Pay your bills on time. Delinquent payments and collections can have a major negative impact on your score. If you have missed payments, get current and stay current. The longer you pay your bills on time, the better your score. Be aware that paying off a colle...
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