Home and Wealth From Theron Wall


Home & Wealth from Theron Wall

Wallick & Volk Mortgage

Theron Wall

Theron Wall
Sr. Mortgage Consultant
1575 Plaza West Drive, Suite C
Prescott, AZ 86303
Office: 928.445.8730
Fax: 928.445.1065
Cell: 928.533.7473
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10 tips to make your home air- and water-tight PLUS...8 things to consider with low-cost, no-contract cell phone plans

Caulk creates a flexible seal in cracks, gaps or joints no bigger than 1/4" to 3/8" in width. Caulking will seal air leaks, especially around windows and door frames. It also prevents water damage when applied around faucets, water pipes, bathtubs and other plumbing fixtures. For larger openings, you can use insulating foam sprays to seal up gaps between siding and masonry or vents. Here are some tips:

1. Clean all areas to be caulked. Use a putty knife or large screwdriver to remove old caulk and paint and make sure the area is dry.

2. Hold the caulking gun at a consistent angle--45 degrees to get deep into the crack. You're at the correct angle when the caulk goes in immediately as it comes out of the tube.

3. Apply the caulk in one straight continuous stream, without stops and starts.

4. Avoid bubbles by sending caulk to the bottom of the opening.

5. Make sure the caulk is sticking to both sides of the crack.

6. If caulk oozes out of the crack, push it back in with a putty knife.

7. If the caulk shrinks, reapply it, forming a smooth bead that seals the crack completely.

8. For windows, apply caulk to all joints in the frame and to the joint between frame and wall.

9. If the crack is deep, use a "backer rod" -- a round foam rod sold by the roll in various diameters. Pick one slightly bigger than the gap. Cut the rod and press into the gap so it's just below the surface. Then caulk on top of it.

10. For bigger gaps, use an insulating foam spray you can buy in a hardware or home supply store. It dries like styrofoam and can be painted if necessary.


It's estimated that consumers waste an average of almost $350 a year on their cell phone services. People typically overestimate the voice minutes and text messages they need and underestimate their data usage. Service plans are complex and carriers offer inexpensive or free phones to entice you into a two-year contract. But for some people, switching to a no-contract plan may be cheaper. Here's what to consider:

1. Do you need the benefits of a contract plan? If you like a wide range of services and want to choose from a variety of phones at low or no cost, the two-year contract is still best. It may also be the most economical for multiple lines under a family plan.

2. Decide what you don't need. A no-contract plan may be best if you can live without lots of phone choices, the fastest network speed or the biggest coverage. Review the services you use in your current plan.

3. Pick a payment arrangement. Prepaid no-contract plans cost a flat amount for a month of service, or they charge by the day or minute, deducting from a preset balance. They're great if you only use your cell for emergencies or want to limit a child's use. You may also find no-contract plans that bill you every month with network speeds and phone choices like the contract plans.

4. Look at the downside. With no-contract plans, carriers can boost rates and change terms, or you could lose your phone number if you forget to reload a prepaid account. There may also be extra activation and daily access charges, and if phone rebates are offered, they may require you to stay with the service for a time.

5. Factor in the phone cost. Compare the higher phone cost of a no-contract plan with the money you're saving each month. The savings may pay for the phone in a few months and after that, it's money in your pocket!

6. See about the data service. Some no-contract plans offer unlimited e-mail and Web surfing in all-in-one plans for voice, text and data with a low monthly cost. 

7. Check out the coverage. Some no-contract carriers are owned by the big names and use their networks. But others use smaller networks that might have spotty coverage and charge extra for roaming.

8. Find out how to switch.  Most carriers charge a prorated fee when you cancel a contract early. Compare this to the savings from your new no-contract plan. If you still need to stay until the end of your contract, see if you can drop extra services, like insurance or carrier apps. When you do switch, plan on not having service for a few hours.

P.S.  With today's mortgage rates at historic new lows and the most affordable home prices ever, many people are upsizing, downsizing or refinancing. Remember, we're always here to answer any questions.... Have a great day!

This was sent to you because of your relationship with Theron Wall. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice or a commitment to lend. Although the material is deemed to be accurate and reliable, there is no guarantee of its accuracy. The material contained in the newsletter is the property of Wallick & Volk Mortgage and cannot be reproduced for any use without prior written consent. Wallick & Volk Mortgage is an Equal Housing Lender. BK 0018295 NMLS #256412

Equal Housing Lender