NeighborWorks® of Grays Harbor contributes to the community conversation on housing issues through a weekly column in the Daily World titled "Nailing it Down."

 

 Since 1999, the "Nailing it Down"articles have been published in the Daily World and other countywide weekly newspapers. NeighborWorks® of Grays Harbor County has collaborated with local newspapers, elected officials and local experts to publish articles covering hundreds of topics.

 

 

Nailing It Down

the blog

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November 24, 2018

Are you still eating turkey sandwiches at your house? We hope you enjoyed a particularly satisfying Thanksgiving with friends and family. There is a bit of irony, isn’t there, that in America in our rush to buy gifts for Christmas, taking time to be grateful gets short shrift!

Christmas and the rest of the holiday season is a wonderful time and we don’t want to sound like Scrooge.  However, after years of helping people with budgets and difficult financial situations, over and over again we have seen that overspending at the holidays can make for some pretty tight budgets come January and February.

In fact, sometimes it’s the big splurge during the holidays that means a family goes into the debt abyss and can spend months or years climbing out. With “Black Friday” yesterday, we hope we aren’t getting to you too late!

   

MONEY DOESN’T EQUAL HAPPINESS

As we all know, money doesn’t equal happiness. Of course, the same goes for expensive gifts.  And while it’s out of a generous heart...

November 18, 2018

When it comes to homelessness, it can seem like a huge, complex problem and it is.  The number of homeless people keeps growing– but lasting answers, so far, have been allusive. Helpful changes are happening.

Thanks to a set of recently enacted state laws, we see some positive steps toward addressing certain aspects of the homeless and subsidized housing problem—something everyone working on the problems has been concerned about statewide.

In Grays Harbor, the best estimates are that up to 3,000 people are not stably housed. That is, some primarily rotate around staying with various friends and family, sleeping on couches, with no real place to call home. Of that number, some 500 to 700 are what you might consider “typically” homeless.  That is, they are sleeping in cars and under bridges or tarps with no real shelter at all.  Even in the foundation crawlspace under people’s homes!

Cassie Lentz, the housing coordinator for Grays Harbor County’s Public Health and Social Services Depar...

November 13, 2018

   Insurance is one of those things that can be hard to spend money on, but when you are in need you will find yourself so grateful that you did.

   Last week we talked about the need for – and the relatively inexpensive cost – of renters insurance. We also talked about some things – such as trampolines, swimming pools and certain breeds of dogs with a bad biting history – that are likely not covered under your homeowner’s insurance.

   And to reiterate – the average renter’s insurance costs about $125 to $300 for a year of coverage and protects your belongings and liability in case of a loss. We highly recommend it.

   Also, if you have a mortgage you almost certainly have home owners insurance.  We suggest you review it every year or so to make sure you understand what is covered.

   Today we will talk about a few more insurance-related topics, including a topic we unfortunately have a bit of experience on here on the Harbor – flood insurance.

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November 3, 2018

Who pays good money for something they hope to never use?  Well, we hope you do! 

We are talking about insurance. If you are a homeowner or a renter, having an insurance policy that is well suited to you and your life is of paramount importance to your future finances and well being, as well as to your current peace of mind.

It’s been a while since we’ve talked about insurance, but our recent columns on residential fires as well as the recent stormy, wet weather made us realize that it was time to tackle this topic again!

Thanks to Susan Gihlstrom, a broker at Dave Johnson Insurance in Aberdeen, for helping to clarify some of these issues.
   
RENTERS INSURANCE IS GOOD DEAL
We’ll start with a conversation about renters insurance for three reasons. 

First, we have a high percentage of renters in Grays Harbor County, especially in Aberdeen and Hoquiam, so this should apply to a good portion of our readers.

Second, many people who rent a home or apartment aren’t aware of their need f...

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Aberdeen, WA 98520

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