Gretchen Cathey

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Worth Ave. Group, providers of “Insurance Solutions for a Digital World.”

Expert Articles by Gretchen Cathey

Home, Auto, and Theft Insurance

How to protect and insure your electronic devices
Smartphones, laptops and other electronic gadgets that organize and enhance our lives are worth the time investment to learn how best to protect them. Keep gadgets safe by taking precautions, such as ...

Expert Articles Sponsored by Gretchen Cathey

Home, Auto, and Theft Insurance

Homeowners - be prepared before a disaster strikes!
We always hope that we will not be impacted by floods, wildfires, tornadoes, hurricanes, ice storms, or other natural disasters, but we never know. Why not be prepared in case you are affected by a di...
Selecting umbrella insurance
If you ever find yourself in the unfortunate circumstance that was described above, you’ll be happy you have Umbrella Insurance. Now that you are more knowledgeable on the product, you can see that ...
How to file an umbrella insurance claim
An insurance company’s primary goal is not to pay money to claimants; its to make a profit for their shareholders. In some cases, when paying claims, an insurance company will not notify you of the ...
Advice on making a property damage insurance claim
After you have had a claim to your home or business, your world is thrown into a tailspin. You will have many different parties advising you how to proceed, and you must start making some very importa...
How to protect and insure your electronic devices
Smartphones, laptops and other electronic gadgets that organize and enhance our lives are worth the time investment to learn how best to protect them. Keep gadgets safe by taking precautions, such as ...
The right auto insurance will guarantee protection for your new car
Auto insurance provisions are complex. You cannot simply rely on an advertisement to determine your levels of coverage and you should buy the plan with an eye on protection first and price second....
Expert advice before you add a teenage driver onto your auto insurance
When your child does become licensed, your premium will increase no matter who insured you. It does pay to shop around. The best way to do that is to contact an independent insurance agent. They have ...
Shop online for new car insurance with confidence
While everyone wants to save as much money as possible on their auto insurance, please ensure the proper protection is in place before making any decisions. Quoters will try to sell you whatever they ...
Getting the most out of your leased car insurance coverage
Part of your insurance premium may based on your credit score. Companies cannot base your premium completely on credit score, but it does play a large part in determining the rate you pay, or even if ...
Get the best auto insurance coverage for your used car
The downside of buying a used car might be a high insurance bill. To avoid that, work with your independent agent to make sure you are getting all of the credits available to you, and that you’re dr...
Buy a vehicle service contract to save money when warranty expires
Following these best practices to select a high-quality service contract provider will ensure the best experience when your automobile needs repairs. Don’t allow the expiration of your factory warra...
Know how much home insurance to get with the help of a broker
As you can see, deciding what value to insure your home for is very important. Following the advice above will aid you on your journey to perfect home insurance protection. While I hope you find an af...
Advice on making a home insurance claim easy and stress free
The claims process is far simpler than most would think. As long as you are knowledgeable of your coverage and keep thorough records immediately following the reporting of a claim, the process should ...
Does damage to your home mean you should file an insurance claim?
In the event of major damage to your home property, always take quality photos and documentation of the damage. Also put up a secure covering over the damage to ensure minimal-to-no further damage occ...
Do you rent a house or apartment? Get renters insurance coverage
Renters insurance may sound unnecessary or too temporary of a thing to worry about, but it takes care of you and your present situation. As you presently work and save for your future and your retirem...
Being a smart car owner and safe driver will save you money
While owning a car is necessary for many people today, it has the potential to put a significant financial burden on drivers. With the increasing cost of gas, the need for insurance, and the financial...
Auto insurance protects you and other drivers on the the road
Many people just get the basic auto insurance coverage and ignore all the other benefits they can gain for just a little more cost each year. If you are going to be paying for coverage every month, ta...
Save money by bundling your renters and car insurance policies
The most important thing to remember is this: if you want to do business with just one company, they generally offer a discount for bundling your policies. Keep track of your credit score and be a sma...
Protect your vacation home with the right home insurance policy
As you can see, there are many minor details specific to insuring vacation homes that can be the difference between a claim being fully covered or denied. Please contact a qualified broker to discuss ...
Auto insurance claims can result in higher premiums and surcharges
Not every bit of damage to your car should result in a claim because it could easily cost you more in the long run with higher insurance premiums. Othertimes, it will save you money and get you back t...
When should you file a home insurance claim or pay out-of-pocket?
Being able to file a home insurance claim is the reason why people have insurance in the first place, but it’s always important to keep in mind that premiums can increase, surcharges exist, and an i...
Protect everything in your home and car with theft insurance
As you can see, there are many facets to theft insurance. A theft claim can leave a homeowner with a large out-of-pocket expense if their coverage is not proper for their specific needs. Please rememb...
Choose the right home insurance policy for your condo or co-op
As you can see, condos and co-ops involve some specific caveats that are atypical on the standard homeowner’s policy. Please follow this advice and make sure you contact an insurance professional to...
Homeowners: Factors to consider when purchasing home insurance
Some key points to remember: Go higher, not lower with your liability coverage. Make sure your home is insured for replacement—not market—value. To lower your premium, try raising your deductible....
Advice for college students getting their first car insurance
Research is the key, both in choosing an agent as well as a company that is compatible with your budget. Heed this advice to help you find the best and cheapest insurance as you make your way to colle...
Why everyone should have an umbrella insurance policy
Umbrella insurance is useful to have in so many different circumstances. Set up an appointment with your insurance agent to discuss what kind of coverage you need. No one can ever have too much liabil...
Buying insurance is a necessity you can't ignore
When you spend your valuable time researching insurance and navigating confusing policies, you want to be sure you’ve purchased the best for you and your family. An insurance agent will be invaluabl...

Renting Real Estate

Become a successful landlord
Being a landlord is an excellent and well-proven path to wealth creation. The challenge is surviving long enough to realize the gains. Have a written game plan, know your numbers, don’t over-spend, ...
Guide to choosing a property manager for your rental property
Utilizing a professional property management company to oversee your rental homes can be an extremely beneficial to you and can provide piece of mind knowing your property is being professionally mana...
Understand your legal obligations before signing a lease agreement
Once you sign a lease it becomes a legal contract between you and the landlord. Every aspect of it is binding for the stated life of the agreement. For a hassle-free experience in your new home, it is...
How to protect you and your rental property as a first-time landlord
The residential rental investment can be a lucrative opportunity. But the first-time landlord must understand the complexity of the investment and should consult with competent professionals for legal...
Secure long-term tenants by making your rental property a home
For landlords, there is nothing costlier than having to find new tenants, especially if it is on a frequent basis. Being more flexible and allowing tenants to make minor aesthetic changes is a simple,...
Advice on finding and renting an apartment in New York City
Hunting down the perfect new apartment in NYC can be daunting. However, understanding the process and being prepared can simplify your experience and increase your chances of finding a great place to ...
Use Facebook to help you find the perfect rental property
A significant shift is occurring with how people are using Facebook to give them more personalized user experiences. They are already sharing details about their daily lives, so the next logical step ...
Choose a property management firm to rent and manage your home
The most important criteria to look for when choosing a property manager for you real estate investment is finding one with a proven track record, has good values, and does their research to provide y...
What to consider when renting your home or apartment in NYC
Using a professional real estate broker can make the rental process faster and much less stressful.They will know what the process entails and make sure that you find a qualified renter for your home ...

Buying Real Estate

Buying homes as short sales and foreclosures can be very rewarding
Buying a distressed property that is a short sale, foreclosure, or bank owned can be a good investment and an affordable way to own your own home, but it is “buyer beware”. You should protect you...
Guide to buying a co-op in NYC
There are many ins and outs to purchasing a co-op in New York City. While the process may seem a bit daunting at first, do not fear. Remember that the cooperative purchase is the norm in NYC, not the ...
How to find and buy a house on a river
Your river property will bring much excitement, inspiration and fun to your life. Relying on the expertise of a professional who specializes in waterfront property will make the process effortless and...
How to find and buy a lake house
Your lake house will be a source of relaxation, inspiration and fun. Relying on the expertise of a professional who specializes in lake property will make the process effortless and satisfying. This i...
How to find and buy a mini or hobby farm
Whether for a better way of life or out of necessity, your farm will become a significant part of your life. Relying on the expertise of a real estate professional specializing in farm property will m...
How to successfully buy multi-residential investment properties
In order to mitigate threats and capitalize on opportunities it is essential to have a well-grounded investment strategy. This includes the collaboration of complimentary disciplines and fastidious at...
Smart steps to successfully buy real estate in Baltimore, MD
Buying a home is an exciting endeavor, but the process can be tedious, time-consuming, exhausting, and an emotional rollercoaster for some. Working with a trusted professional can help ensure you have...
The right way to buy a home
Buying a home is a complex process requiring expertise from a number of professionals. By focusing on what you want in your home and allowing these professionals to do their jobs, you can achieve the ...
How to make the right offer on your dream home
There’s no need to get stressed out when you’re trying to figure out how much to offer on your dream house. Take the emotions out of the equation and instead focus on the data and the math. Workin...
Advice on buying land for investment, development or build a home
Whether your land will be used for recreation, development, investment or just a home, you’ll find many diverse parcels to choose from. Remember you can always change the way a house looks but you c...
Advice on buying a fly-fishing ranch in the Rockies
While there are many rivers and streams throughout the Rocky Mountain West, the supply of available fishing properties in any given price range is very limited. Obviously private water is the preferre...
Choose and buy a vacation home with confidence using a realtor
The key thing to remember is to seek out professional advice when considering purchasing a vacation home in another part of the country. Don’t underestimate the value and resource of a professional ...
Expert advice for the first time homebuyer on buying the dream house
When purchasing your first home together it is in your best interest to have a licensed real estate agent to help you. Their job is to give you advice, recommendations for the services of other profes...
Hire a qualified home inspector to help reduce risk when buying a home
Home inspections are a valuable tool for the homebuyer and should be a routine part of the homebuying process. However, don’t overstate what they are able to do.There is risk in buying something bui...
Buying a foreclosure can be a great investment if your informed
Purchasing a foreclosure can be a great investment whether you are purchasing one for your personal residence or as an income property, but a word to the wise, be patient with the process. New guideli...
Expert advice on buying a condo as a good investment
Owning a condominium is not for everyone, but it does fit the lifestyle of many people today. Whether you’re considering a condo or a home, you need to be sure that you know what it is that you are ...
Get the best deal by knowing what to offer when buying a home
Be smart, but not overly smart. You do not want to think yourself out of a great home while at the same time you want to understand your market and the data within it. In the end, you have one simple ...
Buying a home in a hot market and how to win a bidding war
Owning and living in your own home is the American Dream. But increasing mortgage rates along bidding wars on the purchase of a home is creating emotional and financial stress not seen since the real ...
How to build your dream home from the ground up
When building your dream home, the best advice is to be prepared for anything. There will be bumps along the way but as long as you address them in a timely and effective manner, the process should be...
How to win over the co-op board when buying a home in NYC
Just remember that accepting the co-op for what it is is vital to being accepted yourself. Being honest, patient, informed, and respectful demonstrates that you are the kind of neighbor and shareholde...
Advice on buying a townhouse and real estate in NYC
Buying a townhouse in New York City can be a rewarding experience, both emotionally and financially. Given today’s price points this opportunity is available to a select few. If you happen to be one...
Advice for first time home buyers on buying a co-op in NYC
Co-op ownership comes with its benefits and also with possible limitations. If you like a particular co-op and can handle the work it will take to get in, you have a great experience in store for you....
What to consider when buying a home as a fixer-upper
Buying a fixer-upper is not without its challenges. The most important tool for the job is preparation. With good planning, clear vision, and a reliable team to help guide you, your fixer-upper can be...
What price you can expect to pay for a single family home in NYC
There is a lot to consider when buying a single family home in New York City. Costs vary greatly and this market segment continues to become more valuable. So if you have the desire and the budget jum...
Advice for buying a home in NYC when you have a young family
When starting out as a family, your first home and the community you reside is where many family firsts will occur - your child’s first words, first steps, first day at school. So many memories and ...
Buy a home in downtown Manhattan to get access to the best views
If you want to be in the middle of it all, have access to some of the best views, best moderns homes, and best transportation, Downtown is where it’s at. Like with any other investment. however, be ...
You can buy a home in New York City with a $1 million budget
There is a reason why the real estate market in NYC is so competitive for the buyer. Historically, NYC has held it’s value and has weathered many a financial crisis to come back even stronger. $1 mi...
Investing in commercial real estate is a great opportunity for anyone
Whether you are buying one building to rent out or a whole plaza, commercial real estate can be a rewarding investment. Following the advice above can put you in the right place to make money on your ...
Use the internet and social media to help you find the perfect house
For the majority of buyers, a home represents their biggest lifetime purchase, so they should use every tool at their disposal to ensure they are getting the very best home at the optimal price. Consu...
Buying a home in an HOA neighborhood can be a great move
Living in an HOA neighborhood comes with certain rules and restrictions, but if you understand them, life will be better and easier for you and your neighbors. Do find ways to work with and improve yo...

Home Mortgages

Guide for first time homebuyers on securing a mortgage
There has never been a better time to become a first time homebuyer. Housing prices have bottomed out and appear to be stabilizing. Most experts are predicting that we will see home prices begin to in...
How to get a mortgage to buy or refinance your home
Financial institutions have become more rigorous in their mortgage application process. The mortgage application and approval process can seem demanding an onerous. Reduce your stress by having patien...
Guide to obtaining a mortgage in the new lending world
Getting a mortgage is not the same as it was just a few years ago. The process is harder, more thorough and often longer. However, you are trying to obtain the American dream of owning a piece of eart...
Secure a mortgage and proper financing for your vacation property
Enjoying your new vacation home is a lot more fun than getting the financing. Make sure you are prepared to run the gauntlet: clean-up any inaccurate credit, put down as much down payment as possible,...
Successfully secure a loan for your home renovation project
A newly renovated home can be beautiful thing. Good planning on how you are going to finance the costs of these improvements and who will help you do this will make this journey much more pleasant. A ...
A reverse mortgage is a great way for homeowners to convert equity
A reverse mortgage is a great resource to help some that need that additional source of income. Reviewing all of your options and understanding what this type of loan means for you, will help you make...
Choose between a 5/1 ARM or 30 year fixed rate mortgage
A fixed-rate mortgage generally costs a bit more per month during the first few years of your mortgage, but you know what your payment will be for the term of your loan – for instance, if you are lo...
Which loan is best for you? A jumbo or conventional mortgage
Securing a loan when purchasing a home is just part of the process, and you need to know what options you have so that you can have the best interest rate and the lowest monthly mortgage payment possi...
Expert advice on buying or not buying points for a home mortgage
Just like most things in life, the answer to this question is nuanced and it starts with “it depends.” It depends on how long you’ll keep the loan, how much the point will cost you, and how long...
Expert advice on securing the best rate for your home mortgage
Shopping for a mortgage and mortgage rate can be a daunting process. Remember that buying a home and getting a mortgage is the biggest financial decision and investment that most of us will make in ou...
Rebuild your credit and secure a mortgage after a short sale
Selling your house as a short sale can be a very overwhelming task even 3 years after. But in order to make it less stressful, and not ruin your credit for a long period of time, there are definitely ...
Veterans should use the VA Loan Program when buying a house
If you’ve served in the military, the VA home loan guarantee program can provide great benefits that are unavailable to civilians and those using a conventional mortgage product. Get in touch with a...
Determine how much you can afford to borrow for a home mortgage
Determining how much you can afford to borrow combines the efforts of both the buyer and the lender. Borrowers must do their part to provide accurate and current information to their lender, but they ...
Advice for successfully securing a home mortgage when self employed
America’s economic vitality relies on the small business owner and the self-employed workforce. It’s unfortunate that these same individuals often face higher hurdles when obtaining mortgages for ...
How to successfully get a mortgage for your investment property
We have all seen or known individuals who have built their own rental real estate portfolios and complemented their other investment strategies nicely through ownership and management of real estate. ...
Learn when to lock your fixed rate loan to get the best rate
More than anything ask your friends, family, and coworkers who they recommend to help with mortgage financing. Interview several of them and listen to your gut instincts. Ask yourself, is this a solid...
How to get a mortgage for a home with less than 20% down payment
Choosing the mortgage structure that is best for you in the very common situation where less than a 20 percent down payment is requires an understanding of both your needs and the lender’s requireme...

Moving

Make your DIY house or apartment move easier with this practical advice
With these few basic steps you will come to realize that moving isn't quite as bad as you thought. It may not be the most enjoyable thing you have ever done, but you can certainly feel organized and a...
The right moving company will save you time, money and headaches
Working with a professional moving company is the best option when moving your home, as their experience and strength cannot be matched by the do-it-yourself mover. When knowing what to look for in a ...
When moving, shipping your car cross-country doesn't have to be hard
The first time you ship a vehicle can be a stressful process, however if you do your research when selecting a vehicle shipping partner and follow the tips provided above, the process should be a simp...
Choose a storage unit that fits your needs and your budget
Take this advice to heart and hopefully it will come in handy the next time you are searching for a self-storage unit....
Choose an auto shipping company that is trustworthy and reliable
The first time you ship a vehicle can be a stressful process, however if you do your research when selecting a vehicle shipping partner and follow the tips provided above, the process should be a simp...
Prepare your boat for shipping to ensure it isn't damaged when moving
Though the idea of shipping your boat can be a daunting one, doing research will help you make the most informed choices concerning the delivery. If you follow the advice provided above, the process s...
Expert advice for shipping an antique or classic car
While the idea of shipping your high value car can be initially unnerving, doing your due diligence will help you make the most informed choices. The tips provided help to ensure the process of shippi...
Expert care is required when shipping your motorcycle
While transporting your motorcycle yourself may seem like an easy task, don’t leave anything to chance and instead hire a shipping company that can take care of your bike. It is important to conside...
Fundamentals for packing your belongings and home for moving
With many necessary important steps and details when moving it sure can be overwhelming. But don’t let it be a burden. Purging before you go and knowing that the fundamentals can ease the packing pr...
How to move large furniture into a small apartment or home
Moving is a complicated task, especially when you have large furniture pieces that you're relocating to a small apartment. In order to ensure your safety and the integrity of your furniture, hiring pr...
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