Can I Automate My Business?

Most of the time, when automation is discussed, it is in the area of home automation. Home Automation is, basically, anything that gives you control over certain aspects of your property from one location, whether that is inside your home or remotely. Home automation systems can be as simple as being able to control some or all of the lights in your home from one control. It can also be quite complex. These types of systems, however, can also be used in commercial properties.

Automation systems can include: lights (both interior and exterior), security systems, audio systems, theater systems, heating and A/C systems, and even window draperies and shades. These systems allow you to use one controller inside your business to control these systems. They can also be set up to allow access through the internet or your cell phone. You can even use voice recognition to access some systems.

What's even better than being able to do all these things without getting up? Saving energy costs at the same time. Many of the features, especially lighting systems, can pay for themselves with a 10% energy savings each year.

For more information on Tulsa, OK. commercial automation system installation , contact Keegan Beck of KMB Enterprises at 918-527-1031 or www.kmbenterprisesllc.com.

Most People Do Not Plan to Fail They Just Fail to Plan

The most important challenge facing our nation is finding a balance between our desire for government’s services and protection, and our willingness to pay for them. With so many people either working for the government, or dependent on the government, where are we going to get the money? If you check the latest national poverty statistics, more than at any time in the past four decades American’s are making the slide into poverty. Most vulnerable are people 55 to 64 one in 10 of whom now live below the poverty line. Over 800,000 people 45 to 64 lost health insurance. Social Security recipients will get a cost-of-living adjustment of 3.6% in 2012. That will help after 2 years of no increase. Some of that adjustment, however, will be offset by the rise in Medicare Part B premiums, which pay for doctor visits and other outpatient medical services. Recipients have suffered financially from the lack of COLA because out-of-pocket cost on which older adults spend much of their income continued to soar. One in two married couples and three in four single people rely on Social Security for at least half of their income. Question is what you are setting aside going to be enough? Are you going to retire into poverty? If you fail to plan, you have a plan for failure. For the cost of a cup of coffee at StarBucks, you could help yourself. By the way, the only person you can count on is yourself. When you feel it is the right time to start a plan or move a plan think about calling us, or someone like us to help you build your plan with safety and guarantees.



Jerry Szeszulski ( shoe shell ski)
We Take A Personal Interest~ Protecting What You Value Most
office 918-254-2578 x227 fax 918-254-2580
Visit our website at: http://tulsahomeauto.com/

Mortgage Disclosure Improvement Act...

Lenders have always had to disclose the overall cost of your loan and other information during the lending process. This includes fees and the actual Annual Percentage Rate. Lenders that are not reputable would play games with the rate by adding fees. Many clients would close with a higher rate because the lenders would change the fees at the last minute. This act requires that lenders redo the Truth in Lending disclosure if the APR goes up by .125% or more. It also requires that closing must wait 3-7 days so that the buyers have time to understand any changes that may have happened. This can sometimes cause an issue when purchasing a home because this waiting time can't be waived. It is required and closing will sometimes be delayed. This also can increase costs for the seller and buyer for items such as interest, storage costs due to delayed closing and more.

For your Tulsa, OK. area commercial mortgage, contact Karen Heston with Bank of Oklahoma Mortgage at 918-230-9432 or kheston-boklo.mortgagewebcenter.com

For all your Tulsa, Oklahoma commercial real estate needs, contact Darryl Baskin, McGraw Realtors at 918-258-2600 or www.darrylbaskin.com.

Handling an Insurance Claim..

When property owners file an insurance claim, many times, they find that insurance adjusters can't answer questions about their policy. That's because, many times, insurance adjusters are sub-contracted by the insurance company and are not familiar with your specific policy. To help alleviate that problem, make sure that you ask plenty of questions about your policy before you purchase it. Find out what is covered and what isn't. Also keep in mind that many policies stipulate that you have to file a lawsuit within 1 year of the claim or you will waive any right to do so. If there are problems with your claim, you may need to file a lawsuit before the year is up in order to make sure that your time doesn't run out and you are stuck with repairs that you can't pay for. To avoid being put into that position, work ahead, ask questions, and do your research.

For Tulsa Area Commercial Property Insurance, contact Mike Tedford of Tedford Insurance at 918-299-2345 or www.tedfordinsurance.com.

For legal advice on insurance claims in Oklahoma, contact Paul Boudreaux of Richardson, Richardson, Boudreaux at 918-492-7674 or www.rrblawok.com.


For Tulsa Maintenance Professionals, visit www.tulsahomecare.com or talk to the professionals listed here:

Commercial Roofing Repairs in Tulsa, Judy Smith, A-Best Roofing, 918-587-1426 or www.abestroofing.com
Disaster Restoration in Tulsa, OK, Roger Fisher, PCC Cleaning & Restoration, 918-641-1111 or www.pcccr.com
Commercial Plumbing Repair in Tulsa, Markwayne Mullin, Mullin Plumbing, 918-258-6636 or www.mullinplumbing.com
Tulsa Heating and A/C Repair, Stephen Taylor, Air Assurance, 918-258-HEAT or www.airassurance.com

Handling Fraud in Title Insurance....

Handling fraud in any situation is difficult. When it comes to title insurance, there are some things to keep in mind. First, let's define title insurance. Title Insurance is insurance that covers financial loss as a result of a defect in a title to real estate. Second, we need to know what period the insurance will cover. When we buy commercial property or auto insurance, we are covering our business or auto from the time we purchase the policy until that point in the future that the coverage is canceled. With title insurance, though, it works in reverse. Title insurance covers from the moment you purchase your commercial property and into the past. If you are sued after you close on the property, then the title insurance may not cover you. Finally, title insurance issues can be quite tricky, especially with commercial real estate. To ensure that you are covered for everything you need, talk to your attorney or your title company. You may even consider asking for extended coverage on your title insurance to cover you from your commercial real estate purchase into the future.

If you have legal problems with your Oklahoma title, contact David Keesling at Richardson, Richardson, Boudreaux, Keesling at 918-492-7674 or www.rrblawok.com.

To purchase Tulsa title insurance or if you have questions about Oklahoma title insurance, contact Karen Burnette of Firstitle at 918-493-2241 or www.firstitle.com

For all your Oklahoma property, auto, and life insurance needs and more, contact Mike Tedford, Tedford Insurance at 918-299-2345 or www.tedfordinsurance.com

For all your Tulsa, Oklahoma area commercial real estate needs, contact Darryl Baskin of McGraw Realtors at 918-258-2600 or www.darrylbaskin.com

Tips for a Less-Stressful Closing on Your Commercial Property!

Buying and Selling a commercial property can be a stressful process, but when the closing process doesn't happen smoothly, it can add even more stress. Here are a few tips to help the closing process happen without a few of the most common glitches. First, listen to the professionals. If your real estate agent or mortgage broker gives you suggestions for the closing or moving process, heed their advice. They see problems regularly and can help you avoid some of the most common problems. Second, as a seller, pack and move out off the property as early in the day, or even the night before, as possible and schedule closing for the afternoon. For buyers, schedule the final walk through earlier in the day as well. This added time should help with any unplanned delays. Third, consider adding a little extra expense to your budget in case there is a delay in closing and storage costs are needed or you need to hire a professional for an unexpected repair. Finally, ask for a final settlement statement a day or two in advance of closing so that last minute surprises are kept to a minimum.

For more information on the closing process or if you are in need of Tulsa area commercial closing services, contact JJ Pierce, FirsTitle, 918-493-2241 or www.firstitle.com

For all your Tulsa, OK. commercial mortgage needs, contact Karen Heston, Bank of Oklahoma, 918-488-7353 or kheston-boklo.mortgagewebcenter.com

For all your Tulsa, Oklahoma area commercial real estate needs, contact, Darryl Baskin, McGraw Realtors, 918-258-2600 or www.darrylbaskin.com.

Protecting Your Oklahoma Business from Fire!

Fire can be a devastating event. It damages everything in its path and can cause serious injury and death. To help protect your business from fire, read on.

• Be prepared ahead of time! Being prepared is probably the most important step of all. This step involves many things. First, make sure you have Oklahoma commercial insurance in the event of a fire. Second, have a fire escape plan with all the necessary items such as escape ladders, fire extinguisher, smoke detectors etc. Third, practice your fire escape plan. If you have employees, take time to discuss what to do in the event of a fire and practice this at various hours when employees are working.
  
• Avoid unnecessary risk! Cigarettes, fire places, and appliances are common causes of fires. Keep containers especially for cigarette disposal handy for your clients. If you have a fireplace or other fire burning machinery, ensure they are turned off and no longer hot before leaving. Finally, avoid putting appliances near furniture or other highly flammable items. Appliances and heaters placed near furniture can often overheat and cause a fire to start. When a fire starts from any one of the items above, they often start very slowly and smolder for a long time before actually catching fire and being detected.
• Test your smoke alarm! It is very important to test your smoke alarm often to ensure that it is working properly. Also replace the battery at least once per year, even if it appears to be working. If your smoke alarm seems to go off regularly when there is not a problem consider moving it a few feet away. If your smoke alarm is 10 years old, replace it.
• No matter how much we prepare, we can't completely prevent fires. Should a fire occur, remember to call your insurance agent and Tulsa area maintenance professionals to take care of any damage and ensure insurance coverage of repairs.

Contact these professionals for questions or quotes:

Commercial Insurance Coverage in Tulsa, OK- Mike Tedford, Tedford Insurance, 918-299-2345 or www.tedfordinsurance.com.
Commercial Roofing Repairs in the Tulsa, OK area- Judy Smith, Abest Roofing, 918-587-1426 or www.abestroofing.com.
Commercial Fire Damage and Restoration in the Tulsa area- Roger Fisher, PCC Cleaning and Restoration, 918-641-1111 or www.pcccr.com.
Tulsa, OK. Electrical Repair- Larry Murray, Murray Electric, 918-835-9605 or www.murrayelectric.com
Commercial Plumbing in the Tulsa, OK. area- Mullin Plumbing, 918-258-6636 or www.mullinplumbing.com
Junk Removal in Tulsa- David, I-Haul USA at www.ihaulusa.com or david@ihaulusa.com