DIY Corner

KARSTEN’S ACE HARDWARE: MONSOON READINESS

Each year in the Southwest up to 3-4 days. Please keep in mind, flooding; TURN AROUND DON’T pare for Monsoons and Haboobs and Desert we experience services such as electric, gas and DROWN. It only takes 6 inches of remember - when in doubt wait it out. “Monsoon” activity during water may be interrupted. We recom- water to displace a person and only To help you with your readiness plan the summer from June 15 through to mend 3 gallons of clean drinking per 18 inches of water to carry away a please see the Karsten’s Ace Shopping September 30. Monsoon is a defined person and for each pet. Stock up on vehicle. Avoid areas that are flooded List. season in Arizona, typically consisting food that requires no refrigeration or such as storm drains, washes, canyons, of increased humidity, wind storms, cooking. Contact your physician for and streams. KARSTEN’S ACE SHOPPING LIST dust storms and periods of heavy any medications that may be needed. Bottled drinking water rain and thunderstorms. The weather Check batteries in portable radios, fire Home owners need to take some ac- sku#9194945 -$5.59 per case can dramatically change from area detectors and flashlights, ensuring that tion during these times to protect their YETI cooler Roadie 20 to area. When traveling in Arizona, you have additional batteries for these homes from flood waters and heavy sku#8399032-$249.99 pay attention to forecasts for the area items as well. Establish a first aid kit rains. If at home during these storms, Duracell Batteries in which you will be traveling. At to cover the needs of your family and it is important to unplug electronics sku#34574 “C”- 4pack $9.99; Karsten’s Ace Hardware, we always pets, complete with bandages, anti- before the storm hits. Use a cordless sku#5977- “D”-2pack $9.99 suggest some planning ahead for the septics, and general over the counter phone or cell phone. Secure stored ma- First Alert fire detector w/9v battery Monsoon Season. medicine like aspirin, antihistamine, terials like sandbags, plywood, plastic sku#5977368- $11.99 and ibuprofen. Make sure to have your sheeting, tarps, water dams and lumber Vehicle replacement bulbs Preparing for Arizona monsoon season cell phones charged and you may want for protection from water. These sup- sku#82962-AMBER-$3.59; involves different areas of readiness. to purchase a battery backup device plies can be used to protect the home sku#85813 & sku#86788Being aware of weather forecasts on for your cell phone in case services and to make quick repairs after these CLEAR-$2.39 TV or the internet, listening to weather are interrupted. storms. Clean gutters and downspouts Cordless phone by VTECH reports on radio or a NOAA (National to prevent water pooling around the sku#3391612-$19.99 Oceanic and Atmospheric Administra- If rain or thunderstorms are forecasted home. Remember the barn areas, as Sandbags tion / US Department of Commerce) and you must drive, check and re- feed and hay may be damaged by the sku#5162797-$11.99 weather radio. place any windshield wipers and also rain. Feed products should be protected Sand check that all lights are in working with tarps and raised up off the ground. sku#58173-$5.99 We suggest preparing a disaster sup- order. Your vehicle lights should be Loose feed should be placed in closed Plastic sheeting, 15’x25’/ 375 sq ft ply kit in the event of severe weather on, increase the distance between cars storage containers for protection. /4mil conditions. The kit should contain and reduce your speed with no sudden sku#50171-$29.99 essential items to sustain a family for braking. Heavy rains can lead to flash During Monsoon Season, dust storms Phone charger-RAYVAC can be unpredictable (also called ha- sku#3529591-$14.99 boobs). Have a bandana handy to cov- Bandana er your nose and mouth under these sku# 6267348 - $ 1 .99 conditions. If driving, you should (5) gal Bucket pull aside and stay alive. Place your sku#1147461-$2.99 vehicle in park, turn off your vehicle’s Bucket lid lights, keep your seat belt fastened and sku#1202852-$2.79 wait for the storm to pass. Flex seal Tape, clear sku#6715155-$19.99 It is always wise to have a communi- Flex seal Glue, white cation plan during these events. Have sku#6665004-$12.99 phone numbers available for utility Heavy duty Tarp 10’x12’ 8mil providers, first responders and doctors. sku#7129562-$14.99 Share this plan with family members, Heavy duty Tarp 16’x20’ 5mil co-workers, church and school. If you sku#73197-$38.99 live in a flood-prone area, have an Flashlight-COAST red, white and evacuation plan. strobe sku#3766128 -$36.99 Monsoon awareness week is June 9 Plywood -1/4” 4’x4’ to June 14, so take this time to pre- sku#2072197-$24.99

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Giving to Heroes is an exclusive “Give Back” program o ered by Bay Equity and Donna Londot. Bay Equity and Realtors credit a MILITARY MEDICALFIREFIGHTERSTEACHERS GOVERNMENTLAW ENFORCEMENT significant amount toward real estate closing costs. You're already a hero and eligible to participate if you work for or are retired from the following industries: Real Heroes Don’t Wear Capes They Teach! ON DISPLAY

*The above figures represent estimates, scenarios and approximations for educational purposes only and may be subject to change based on transaction specifics, including but not limited to: purchase price, loan amount, real estate agent earned commissions and other factors. Examples are based on 0.25% of the loan amount from the lender and 10% of the real estate agent commission base of 2.5%. Real Estate Agent credit cannot be used or given in conjunction with or in addition to any other special other, program, rebate, credit, refund, or referral service/referral broker. For Purchase Transactions: For the Real Estate Agent credit to apply, the Agent must participate in the Giving to Heroes program. Borrower may use a non-participating Real Estate Agent in the purchase transaction, but with no real estate agent credit to the borrower. For Sale Transactions: Lender credit does not apply to sale transactions. For Refinances: Real estate agent credit does not apply to refinance transactions. Purchase Price Loan Amount Potential Credit at Closing $175,000 (3.5% Down Payment) $168,875 $860 $250,000 (20% Down Payment) (20% Down Payment) (20% Down Payment) $200,000 $1,125 $500,000 $400,000 $2,250 $750,000 $600,000 Lender Credit 0.25% of the Loan Amount $422 $500 $1,000 $1,500 Realtor Credit 10% of Realtor Commission $438 $625 $1,250 $1,875 $3,375 POTENTIAL SAVINGS EXAMPLES* BEHL Todd Uzzell Loan Officer 1525192 Direct: 480-330-1724 tuzzell@bayeq.com Donna Londot HomeSmart Elite Realtor Direct: 602-369-0829 Donna@DonnaLondot.com *The above figures represent estimates, scenarios and approximations for educational purposes only and may be subject to change based on transaction specifics, including but not limited to: purchase price, loan amount, real estate agent earned commissions and other factors. Examples are based on 0.25% of the loan amount from the lender and 10% of the real estate agent commission base of 2.5%. Real Estate Agent credit cannot be used or given in conjunction with or in addition to any other special other, program, rebate, credit, refund, or referral service/referral broker. For Purchase Transactions: For the Real Estate Agent credit to apply, the Agent must participate in the Giving to Heroes program. Borrower may use a non-participating Real Estate Agent in the purchase transaction, but with no real estate agent credit to the borrower. For Sale Transactions: Lender credit does not apply to sale transactions. For Refinances: Real estate agent credit does not apply to refinance transactions. Purchase Price Loan Amount Potential Credit at Closing $175,000 (3.5% Down Payment) $168,875 $860 $250,000 (20% Down Payment) (20% Down Payment) (20% Down Payment) $200,000 $1,125 $500,000 $400,000 $2,250 $750,000 $600,000 Lender Credit 0.25% of the Loan Amount $422 $500 $1,000 $1,500 Realtor Credit 10% of Realtor Commission $438 $625 $1,250 $1,875 $3,375 POTENTIAL SAVINGS EXAMPLES* MILITARY MEDICALFIREFIGHTERSTEACHERS GOVERNMENTLAW ENFORCEMENT SAVE UP TO THOUSANDS OF DOLLARS on a Home Purchase or Refinance Giving to Heroes is an exclusive “Give Back” program o ered by Bay Equity and Donna Londot. Bay Equity and Realtors credit a significant amount toward real estate closing costs. You're already a hero and eligible to participate if you work for or are retired from the following industries: BEHL 7047 East Greenway Parkway Suite 190, Scottsdale, AZ 85254 Todd Uzzell Loan Officer 1525192 Direct: 480-330-1724 tuzzell@bayeq.com www.DonnaLondot.com 8388 E. Hartford Dr #100 Scottsdale, AZ 85255 Donna Londot HomeSmart Elite Realtor Direct: 602-369-0829 Donna@DonnaLondot.comTodd Uzzell Loan Offi cer 1525192 Direct: 480-330-1724 Donna Londot HomeSmart Elite Realtor Direct: 602-369-0829 *The above figures represent estimates, scenarios and approximations for educational purposes only and may be subject to change based on transaction specifics, including but not limited to: purchase price, loan amount, real estate agent earned commissions and other factors. Examples are based on 0.25% of the loan amount from the lender and 10% of the real estate agent commission base of 2.5%. Real Estate Agent credit cannot be used or given in conjunction with or in addition to any other special other, program, rebate, credit, refund, or referral service/referral broker. For Purchase Transactions: For the Real Estate Agent credit to apply, the Agent must participate in the Giving to Heroes program. Borrower may use a non-participating Real Estate Agent in the purchase transaction, but with no real estate agent credit to the borrower. For Sale Transactions: Lender credit does not apply to sale transactions. For Refinances: Real estate agent credit does not apply to refinance transactions. Purchase Price Loan Amount Potential Credit at Closing $175,000 (3.5% Down Payment) $168,875 $860 $250,000 (20% Down Payment) (20% Down Payment) (20% Down Payment) $200,000 $1,125 $500,000 $400,000 $2,250 $750,000 $600,000 Lender Credit 0.25% of the Loan Amount $422 $500 $1,000 $1,500 Realtor Credit 10% of Realtor Commission $438 $625 $1,250 $1,875 $3,375 POTENTIAL SAVINGS EXAMPLES* MILITARY MEDICALFIREFIGHTERSTEACHERS GOVERNMENTLAW ENFORCEMENT SAVE UP TO THOUSANDS OF DOLLARS on a Home Purchase or Refinance Giving to Heroes is an exclusive “Give Back” program o ered by Bay Equity and Donna Londot. Bay Equity and Realtors credit a significant amount toward real estate closing costs. You're already a hero and eligible to participate if you work for or are retired from the following industries: BEHL Giving to Heroes is an exclusive “Give Back” program offered by Gold Financial Services and Donna Londot, credit a signifi cant amount toward real estate closing costs. Find out more at: @ITeachBecause 5635 E Thomas Rd, Phoenix, AZ 85018 MICHELLE COTTINGHAM Managing Broker 480-907-4786 thehouse@thehouseofemme.com HYPER-LOCAL, LOW FUSS & ACTUALLY HELPFULPRIVATE TOURS ANY DAY OF THE WEEK. MICHELLE COTTINGHAM REALTOR® MANAGING BROKER THEHOUSEOFEMME.COM | 480-907-4786 YES. YOU CAN TOUCH. Donna@DonnaLondot.com Disclaimer: Equal Housing Lender. tuzzell@nexamortgage.com EQUAL HOUSING LENDER www.DonnaLondot.com Disclaimer: Equal Housing Lender. This is not a commitment to lend or extend credit. Restrictions may apply. Rates may not be available at time of application. Information and/or data are subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states. Bay Equity LLC, 28 Liberty Ship Way Suite 2800, Sausalito, CA 94965; NMLS ID#76988. Arizona Mortgage Banker License #0910340; click here: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/76988 CONTACT US TODAY!WWW.FUEGOATFIRESIDE.COM 7047 East Greenway Parkway Suite 190, Scottsdale, AZ 85254