In the dry state of Colorado, it is important to think about fireproofing your home for natural disasters.

In 2012, 4,000+ acres in the Black Forest region near Colorado Springs was burned. This occurred during the biggest wildfire that Colorado has ever seen. Due to a quick response from the local fire departments, the fire was eventually contained. This cost over five hundred families their homes. Nowadays, there are products out there that you can use for fireproofing your home in the event of another wildfire like the one in Black Forest. Barricade II Fire Gel is one of the best out there. Recently, this fire gel has been tested and approved for use in an array of firefighting functions.

Getting your hands on some of this powerful fire-retardant gel is now extremely easy with Aflektos. Aflektos is the leading distributor of Barricade II Fire Gel in the state of Colorado. Aflektos is run by Stephen Tivy, a local that is dedicated to helping his neighbors with fireproofing and fire mitigation. Tivy is passionate about bringing the community together by bringing awareness to Colorado homeowners on how to protect themselves from wildfires. Tivy was living in Black Forest in 2013 during the fire that has left many areas blackened still to this day, therefore he has seen what can happen when homeowners do not prepare for future disasters by fireproofing your home.

Not only does Aflektos sell the Barricade II Fire Gel, but it can also provide you with the equipment to apply it to your home and property. During many wildfires, the flames spread through the crowns of the trees. With Aflektos, you are now able to pump the fire gel up into your trees where the fire spreads to stop embers from catching fire to your home. For horse owners, it is important to know how certain chemicals can potentially harm your animals. You will be glad to know that the products you get from Aflektos are approved by the EPA and will not harm your horses or the plant life on your property.

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Lowering debt is something that every American wants to do.

Here is some important information about lowering debt in Colorado. We all know that horse owners have a lot of financial things to deal with. The last thing you want to worry about is debt when running a dude ranch in Denver. Credit card debt in America is back to levels prior to the recession. The average credit card annual percentage rate, or APR, is just under sixteen percent. This is according to CreditCards.com and the site’s Weekly Credit Card Report, a trusted place to get information from many agents of the real estate business.

Homeowners have an advantage over renters when it comes to conquering debt issues. With a little basic money management, you can take those higher debt rates and replace them with lower debt rates. Credit cards and assets—such as personal cars, boats, motor vehicles, and other personal property—usually have interest rates higher than that of real estate loans.

How can you get a low rate of financing? Did you know that borrowing against your home typically can give you the lowest rate of financing of anything else? An advantage of borrowing against a home is that the interest could be tax deductible. You could refinance your home mortgage to take cash out to retire personal debt as one option. Another way to do this would be to secure a home equity line of credit or HELOC.

Qualified mortgage interest includes acquisition debt. This can only be used to buy or improve a principal residence. Of course, this is only up to one hundred thousand dollars of home equity debt and it can be used for any purpose. We would all certainly like to become debt-free, paying the least amount of interest that you possibly can is a great first step to meeting that goal. Owning a home provides an asset that allows for options not available to renters. Seek professional advice from your friends at Colorado Horse Property.

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Deductibles are essential homeowner tools and here’s why.

Owning your own home is an amazing thing. You have a lot more control on what goes on in your own home. You are building up equity for your future. Owning your own home as a horse owner is even more amazing. You don’t want to be relying on a landlord when it comes to your animals. However, it is nice to know that someone has you covered in case something happens to your property and this is where deductibles come in.

The idea behind insurance is to that the risk of loss and give it to a company, and all you need to do is pay a premium. Most policies have a deductible. These reduce the amount of the claim. For more information, contact Colorado Horse Property for professional help.

Policyholders often consider higher deductibles to lower the premium. Lower deductibles mean less money out of pocket if a loss occurs but higher premiums. Higher deductibles result in lower premiums, but you bear a more significant part of the loss.

Consider that a small fire in a large home that resulted in $2,000 of damage. This is not covered if the policyholder has a one percent deductible. The homeowner can afford to deal with the cost of repairs in exchange for cheaper premiums. That loss would be difficult for the homeowner. A change in the deductible should be considered.

Homes in flood areas with mortgages from federally regulated lenders require flood insurance. Though, each homeowner needs to assess the risk of being able to financially sustain a flood loss on their home.

Reviewing your deductible is essential. Discuss risks with your property insurance agent so that you’re familiar with the amount. Make any changes that would be appropriate before a claim is made. The FEMA website has information and frequently asked questions about flood insurance.