You Might As Well Syndrome and Meeting Josh Rubenstein
Release Date: 11/20/2017
Managing Your Insurance Policy
Build Up and Design Your Home
During the construction of your home, home owners insurance will cover most of your risk but you are asked to grab a builders risk policy due to the possibility that a contractor breaks something or they open the roof and a leak sets in -- the good news is you will only pay for the length of the time you're using it. As soon as you close the extra policy you will no longer be charged. A contractor carries a general liability insurance and workmans comp insurance but a contractor will give you a certificate of additionally insured but a homeowner should get their own insurance during the length...
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Insurance Policies and People Doing Two Jobs
Build Up and Design Your Home
During the construction of your home, homeowners insurance will cover most of your risk but you are asked to grab a builders risk policy due to the possibility that a contractor breaks something or they open the roof and a leak sets in -- the good news is you will only pay for the length of the time you're using it. As soon as you close the extra policy you will no longer be charged.
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How To Get Financing and Living At Home During Renovation
Build Up and Design Your Home
Either you want to purchase a home and want to renovate the home or you currently own the home and want to tear it down and build it anew. If you own the own home a bank will loan you, in most cases, up to 80% of the value of your home. Your LTV or loan to value will depend on the current value of your home but no more than 80% of your home's current value. A cheaper way to do it is to get a HELOCK (home equity line of credit) with is essentially a second mortgage on the home. You will only pay for the money that you're using. There are construction loans that banks can offer but they will pay...
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How To Get Financing and Living At Home During Renovation
Build Up and Design Your Home
Either you want to purchase a home and want to renovate the home or you currently own the home and want to tear it down and build it anew.
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How To Stay Within Budget
Build Up and Design Your Home
From downloading a template online to outline what you intend to spend on -- getting an exact amount of the raw materials is possible if you know what type of material you're looking to invest in when building and designing your home because you can get a kitchen counter for $10,000 or $2,000 depending on the materials.
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How To Stay Within Budget
Build Up and Design Your Home
From downloading a template online to outline what you intend to spend on -- getting an exact amount of the raw materials is possible if you know what type of material you're looking to invest in when building and designing your home because you can get a kitchen counter for $10,000 or $2,000 depending on the materials. Putting together a fantasy list prior to getting a quote is the best move to avoid surprise fees afterwards because you can always take items off to save money but doing it the other way around can become costly very quickly. From over a decade of work only one person Josh has...
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(Cont.) The Nitty Gritty Details
Build Up and Design Your Home
From night lights, walk lights to exterior lights and even under the counter lighting Josh Rubenstein takes you through the finer details of choosing lighting for you home and what the benefits of each type are -- Not to mention covering the basic rules behind wall outlets and how they have to be apart every four or six feet. Josh also shares why he’s a fan of custom closets especially for home in cities like New York because it essentially removes the need for a lot of furniture. Josh also goes into his insights on smart homes and the installation priority for those items that are Bluetooth...
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(Cont.) The Nitty Gritty Details
Build Up and Design Your Home
From night lights, walk lights to exterior lights and even under the counter lighting Josh Rubenstein takes you through the finer details of choosing lighting for you home and what the benefits of each type are Not to mention covering the basic rules behind wall outlets and how they have to be apart every four or six feet. Josh also shares why he’s a fan of custom closets especially for homes in cities like New York.
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The Nitty Gritty Details
Build Up and Design Your Home
Here’s your crash course Harvard education for building a home from the costs associated with each item to what the first three steps are in the process. This begins to cover the point where you're ready to start construction. Josh Rubenstein will cover items like what to watch for when creating foundations for your home that involve your neighbor via a process called Shoring that keeps your property lines from falling into each other.
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(Cont.) When Choosing an Architect
Build Up and Design Your Home
Going directly to a contractor will save you time and money according to Josh Rubenstein--Architects can potentially see you as a one off project if you’re going to them directly whereas a relationship with a contractor like Josh can potentially mean a variety of projects which is financially promising to an Architect which will bring a better deal for anyone working with the contractor.
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