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OCT
11
Are you Crazy? Don’t Be Lazy

This is vacation time, and just because you are eager to get away, don't get lax on the really important matters. You are caught up with making travel plans, checking the best airline and hotel deals, confirming reservations, and determining what your travel wardrobe will be for that vacation week.  So much to do!

But, that being said, after you've taken care of those pre-vacation details, don't forget the most important thing to do. What is that, you say?   Protecting your home while you and your family are away!  And I don't mean just turning on the house alarm and thinking all will be safe. There are many great ways to make sure that "ne-er-do-wells" strip you of your prized possessions, expensive jewelry and electronics, and irreplaceable personal belongings.

I am going to list a number of great ways to protect your home so that you can relax during your vacation and not come home to a ransacked and empty house. Try these:

Think about asking for help through a Neighborhood Watch patrol. When you're away, home security depends on a helping hand (and extra eyes). It's nice knowing you have trusted neighbors watching your home. And be sure to return the favor when they take a trip. Ask them if they can do some (or all) of the following:

  • Collect any deliveries. Even if you have mail and newspaper delivery stopped, neighbors should watch for packages.
  • If you are taking your own car, ask them to park their car in your driveway occasionally (or move your car if you leave it) so it looks like someone is home.
  • Set out your garbage can for normal pickup (maybe put a bag of garbage in it) and put it away afterward.
  • Maintain your lawn if you are going to be gone for a while.
  • Overall, keep an eye on your property - and to call the police if they see something suspicious.
  • Give them the authority to act for you in an emergency. (Leave them a spare key, instructions and codes for your security system and information about how to reach you.)

If You Can't Ask a Neighbor for Help or Utilize a Neighborhood Watch

In that case, here are a few things you can do:

  • Keep your travel plans quiet. (you should do that anyway)
  • If you don't have one, install a security system and motion-detector lights.
  • Ask a friend or relative to stay at your home while you're gone. If that's not possible, ask someone to stop by your house to check on it once or twice a day. You can also "hire" someone who house-sits to do this for you. If you have pets, they can take care of them too.
  • Notify local police about your trip. Some communities offer home-watch programs.

Before You Go

Here is a great checklist that will help you keep track of what you need to do before you head out of town. 

1.       Arrange to have mail and packages picked up or held.

2.       Stop newspaper delivery.

3.       Have your mail held at the Post Office.

4.       Move cash, jewelry and other valuables to a safe-deposit box.

5.       Set lights, a radio and a TV on automatic timers to give the illusion that you're home. (Use several for the most realistic effect.)

6.       Lower the sound of your telephone ringer and answering machine.

7.       Leave your regular greeting on your voice mail or answering machine. Don't announce that you are away.

8.       Turn off water to the washing machine so hoses won't burst and flood the house.

9.       Lock all doors. Long dead bolts are best. Don't forget the side garage door and rear doors. Sliding doors should be equipped with special locks (or, in a pinch, place a broom handle or similar item in the door channel).

10.   Lock all windows.

11.   Leave curtains, shades and blinds in their normal position, but make sure intruders can't peek inside.

12.   Activate your security system.

I hope this information will help you enjoy your vacation and give you peace of mind. My team and I can discuss more ways to help protect your home and other property, including various insurance vehicles that may be appropriate including personal liability insurance. We can also help you with other risk management strategies.  Call me at 732-974-3770, write me at tom@froehlichfinancial.com or visit us at www.froehlichfinancial.com.

See you next time!

Tom

Securities offered through American Portfolios Financial Services, Inc. Member: FINRA, SIPC. Investment Advisory services are offered through American Portfolios Advisors, Inc., an SEC Registered Investment Advisor. Froehlich Financial Group, LTD is not an affiliate of APA or APFS.

Disclosure: If legal, tax, or other expert assistance is required, the services of a competent professional should be sought. This article is for informational purposes only.



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Any opinions expressed in this forum are not the opinion or view of American Portfolios Financial Services, Inc. (APFS) or American Portfolios Advisors, Inc.(APA) and have not been reviewed by the firm for completeness or accuracy. These opinions are subject to change at any time without notice. Any comments or postings are provided for informational purposes only and do not constitute an offer or a recommendation to buy or sell securities or other financial instruments. Readers should conduct their own review and exercise judgment prior to investing. Investments are not guaranteed, involve risk and may result in a loss of principal. Past performance does not guarantee future results. Investments are not suitable for all types of investors.

Securities offered through American Portfolios Financial Services, Inc. Member: FINRASIPC. Investment Advisory products/services are offered through American Portfolios Advisors, Inc., a SEC Registered Investment Advisor. Froehlich Financial Group, Ltd. and American Executive Benefits, Inc. are not affiliates of APA or APFS. Executive wealth management products/services are offered through Froehlich Financial Group, LTD. a registered investment advisor



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