Avoid these 4 big home insurance mistakes

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For homeowners in coastal states, the 2020 hurricane season could mean financial disaster. Named storms are rolling in at a record pace, with as many as 25 expected in the Atlantic this season — twice the average number. After battering the Louisiana coast in late August, Hurricane Laura alone may account for as much as $12 billion in insured losses.

Even if you think you’re prepared, you may discover that your homeowners insurance doesn’t fully cover damage from a hurricane. To make sure you’re protected, avoid these four costly pitfalls.

Skipping flood insurance

Flood insurance is optional, and only 15% of American households buy it, says Mark Friedlander, spokesperson for the Insurance Information Institute.

But when a hurricane or storm hits, flooding causes more residential losses than high winds, according to a 2019 report from the U.S. Congressional Budget Office. That means most homeowners, even those with hurricane or wind

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Edina creates rubric to evaluate diversity of its art, decor

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Edina city officials have developed a set of criteria to evaluate the diversity shown in city-owned artwork and decor in municipal buildings, parks and outdoor areas.

The criteria — what they call a rubric — evolved out of the city’s 2018 task force report on race and equity and aims to provide a standardized way to judge how genders and ethnic groups are represented in art. The City Council signed off on it last month.

The task force report revealed that some community members felt the city’s art and decor didn’t represent all residents, said Heidi Lee, Edina’s race and equity coordinator.

“To be able to represent who is actually living in Edina, who has had a hand in creating what Edina is … it’s important to be able to do that,” Lee said.

The criteria will be used in coming months to evaluate the decor in the mayor’s conference

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H2R Design Sinks Their Teeth into Colorful Burger Joint in Saudi Arabia

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Diners have a variety of seating to chose from, including banquet tables and cozy nooks. Photography courtesy of H2R Design.

“Burgers” and “chic” are not words often found in the same sentence, but a new restaurant in Riyadh, Saudi Arabia is giving local foodies a treat for their eyes—and taste buds. Surround, a quality burger restaurant with an indulgent menu, enlisted Dubai-based H2R Design to create a minimal yet playful space that inspires a sense of community.

Planters bring the outdoors in. Photography courtesy of H2R Design. 

Rising to the challenge, H2R Designs created a colorful and engaging eatery full of quirky design features. To invite a childlike sense of exploration, the design team conceptually divided the interiors into “the workshop” and “the playground.” The former is an open-kitchen that allows customers to watch the chefs prepare their food, and the latter is the dining area, inspired by

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London Designer Says Art Should Be Focal Point of a Home

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Sophie Ashby founded her own London-based interior design firm in 2014, at just 24 years old.

Ms. Ashby who grew up between Cape Town, South Africa, and the U.K., began her career as an apprentice to Victoria Fairfax, and then went on to head up the interiors team at small creative agency Spring & Mercer in London.

Studio Ashby Ltd. was born as Ms. Ashby got her first client, and within weeks, that swelled to three. What started as a one-woman company run largely out of coffee shops has grown to a team of 12, with a studio in London’s Notting Hill neighborhood.

More: Designer of The Towers of the Waldorf Astoria on Paying Homage to an Iconic Property—And Giving it an Update

Studio Ashby’s roster projects include a Grade II* listed Edwardian and Art & Crafts home on Hyde Park (where author JM Barrie wrote “Peter Pan”), a

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Genuinely quick kitchen fixes you can do yourself

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Even if only a fraction of your kitchen cabinets are actual wood — perhaps just the doors (not the cabinet boxes) or drawer fronts, in part or in full — you may have noticed your kitchen reacting to the changing seasons. Maybe every summer, that one cabinet door starts sticking, or every winter, a gap appears between two doors.

Wood, as a natural product, expands and contracts as temperature and humidity change: This can translate to your cabinets changing by fractions of an inch as the weather fluctuates. What many kitchen users do not realize, though, is that many cabinets are designed to be adjusted through the year! To see if yours were, simply open a door. If there are multiple screws within the hinging hardware itself (beyond the required screws that attach the hinge to the door and the hinge to the cabinet box), try adjusting these additional screws

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Oppenheimer’s Concerns About Near-Term Future

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InvestorPlace

7 Monthly Dividend Stocks To Buy Now For Safe Payouts

The stock market can be broadly separated into two groups — dividend stocks and non-dividend stocks. Among stocks that pay dividends to shareholders, most do so on a quarterly basis. But there are other directions a company can take with its capital return policy. Some companies decide to pay a dividend once per year, while others pay semi-annually. There are even monthly dividend stocks.Income investors may find monthly dividend stocks to be attractive, as they pay 12 dividends per year. Monthly dividend stocks deliver more frequent income payments than stocks with other payout schedules. * 10 Education Stocks to Buy for the Fall School Season This article will discuss our top 7 monthly dividend stocks right now.InvestorPlace – Stock Market News, Stock Advice & Trading Tips * Realty Income (NYSE:O) * STAG Industrial (NYSE:STAG) * Shaw Communications (NYSE:SJR) *

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Five bathroom updates that will help your space stand the test of time

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If, after being stuck at home for months on end, you are taking stock of your surroundings and looking for ways to spruce up the appearance or improve the functionality of your home, you are not alone. According to a report from Review Home Warranties, online searches related to home remodeling are up 84% this year.

Small but achievable updates in bathrooms, such as tile, hardware or paint, are among the more popular projects, according to the report. If you’re going to update a bathroom and you want your design choices to stand up over time, the first step is determining what styles will be timeless for you specifically.

“People tend to fall into one or two camps,” interior designer Michael Winn of Winn Design and Build in Virginia said. “They want a very classic-looking bathroom, or they want something contemporary and spa-like, like the Four Seasons.” Translation: For many

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The best interior design tool is a notebook

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Once in a while, designers emerge to challenge the ideas about how we live and how we could live. They are ready to experiment with an idea, some that are quite beautiful and some that can even take your breath away.

The greatest fault of some designers and homeowners is the follow through. Many times, it is just not there. Some interior designers have earned the profession a reputation of being lackadaisical or unreliable. Some of this can be excused because designers can be so busy that things fall through the cracks, but other designers don’t think that way. … They just can’t.

        
        
        
        
        
        
        
        
        
        
        
        
        
        
        
        
        
        
        
        
        
        
        
        

 

For all you DIYers and homemakers, I’m going to give you the ultimate design tip. Invest in a notebook. It doesn’t matter if it’s a spiral-bound or book-bound type. For your purposes, it can be a three-ring binder with loose-leaf paper. The best design tool is a

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NHL let Florida Panthers handle abuse probe, discipline of former assistant Mike Kitchen

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The NHL said it was aware of an incident where a Florida Panthers assistant coach allegedly kicked a player on the bench, but said that it left any investigation and punishment up to the team.

Canada’s TSN reported this week that coach Mike Kitchen, 64, kicked a Panthers player on the bench during a Jan. 20 game between Florida and the Minnesota Wild. The report claimed that Panthers head coach Joel Quenneville and general manager Dale Tallon were made aware of the incident after the game.

The Panthers announced this week that Kitchen would not return to their coaching staff next season, though they didn’t specify why. After the incident, he remained on the staff through the March 12 “pause” due to COVID-19. Kitchen opted out of joining the team in the Toronto “bubble” for the restarted postseason. Florida was eliminated by the New York Islanders in the qualification round.

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Millennial homeowners have done the most home improvement projects during extra time spent in the house

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Millennials are getting handier around the home since lockdown measures began, according to new research.

In fact, a poll of 2,000 homeowners found that compared to other generations, millennials have been the busiest, with 81 percent having tackled a home improvement project since March.

Conducted by OnePoll in conjunction with Bernzomatic, a manufacturer of handheld blowtorches, the survey examined the various home improvement projects American homeowners completed while stay-at-home orders have been in effect — and looked at why they’ve taken them on.

SWNS

For 65 percent of those polled, a project was done to save money while 49 percent simply needed something to keep themselves busy while being in lockdown.

Overall, the average homeowner has already attempted four different home improvement projects since March — guesstimating a savings of over $160 just by trying a project themselves.

All this, without the help of an outside contractor (47 percent opted

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