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Summer Safety Tips

The summer has a pull for us, no matter our age.

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The summer has a pull for us, no matter our age. It is a time to take a few days off work, barbeque in the backyard, go for a picnic, a hike, a swim, a bike ride or go out on the water on our boat. It is also a time to mow and weed the lawn, plant flowers and finish countless chores around the home that have been put off until the weather "cooperated." Needless to say, summer is a busy time when we do more activities and chores and can very easily overexert ourselves. That is why this month we are focusing on some tips that can help you have a fun and safe summer. Part of having fun is being aware of what precautions you should take and how you should plan ahead for whatever you choose to do. But we know you are busy, so here is the quick list for a safe summer!

Barbeque and Food Safety:

Always check your grill before using it after a long seasonal break. If propane is used make sure to check all the connections! Check your individual user manual for your grill; all of these will have a checklist of items to review that are specific to your make/model.

Grills are for outdoor use only. NEVER bring a grill indoors to cook. Carbon monoxide will accumulate and can be fatal.

Always set up the grill away from the home (at least 5 feet or more).

If using a charcoal grill, use a charcoal lighting fluid instead of gasoline. Make sure to let the fluid be absorbed by the coals before lighting. Move the lighter fluid away from the grill before lighting. Once you light the fire, stay with the grill, never leave a cooking grill unattended.

That goes for all of you - NEVER leave a cooking grill unattended! Have baking soda handy for a grease fire and a fire extinguisher on hand as well.

For safest results, always grill with a meat thermometer. See the recommended meat temperatures to the right.

Before cooking or preparing anything - wash your hands! In between working with different dishes - wash your hands!

Invest in some long cooking utensils for the grill - this will help prevent burns!

For best grilling results, thaw frozen meats before cooking them on the barbeque. The safest way to thaw foods is slowly in the refrigerator.

If you use the microwave to defrost meats, then make sure you are grilling them shortly afterwards and not storing them again before cooking.

If marinating food then do so in the refrigerator - not on the counter! If you want to have extra marinade to use as a sauce later, make sure to separate a portion ahead of time. Never reuse marinating sauces!

Use one plate for taking meats to the barbeque and another clean plate to take cooked items to the serving area. Never use the same plate. The raw juices can contaminate your cooked meats and side dishes.

When hosting a barbeque, make sure to supply plenty of clean plates and utensils. Encourage guests to get a new plate if theirs has been sitting out in the sun and became a playground for flies, ants, etc. as they waited between helpings.

That evil mayo - did you know according to the Department of Health, it is not really the mayo that is making that potato salad a dangerous game of chance. Instead it is the fact that when making salads usually the ingredients are mixed together when still warm creating a breeding ground for bacteria. Instead, chill all your ingredients separately before mixing them together.

Refrigerate any left over food within 2 hours of its initial serving. If the temperatures are higher, then 1 hour or earlier. Meat should be be kept hot for serving (140°F) and unused meat should be refrigerated immediately as it cools. If you have too much left over meat, make sure to freeze whatever you won't eat within the next 2 days.

When you shut off the grill make sure to shut off the propane as well.

For a charcoal grill, let coals burn out completely. The ashes should sit 48 hours before being disposed of in aluminum foil in a noncombustible container.

Food Safety on the Road:

Wash all fruits and vegetables. Even those with tough outer skins that you do not eat. When slicing these the knife may pick up bacteria from the outer skin.

Pack drinks and food in separate containers. The drink cooler is opened more often changing the internal temperature. This way the food container is disturbed less often and can remain colder.

Once at your destination, keep the cooler(s) out of the direct sun. Keep them in the shade, covered with a blanket. If on the beach, burry it partially in the sand in a shady spot or under an umbrella.

If grilling at the park and you need to dispose of ashes, make sure to place them in heavy duty aluminum foil and soak them in water before placing them in a noncombustible container.

If you use a recreational vehicle such as a camper, always review any canned foods that may have been left there. If temperature fluctuated and cans were frozen and thawed then they need to be discarded. Make sure to thoroughly clean the refrigerator out before using it this travel season.

Bug Prevention:

The best insect repellents contain DEET. However, they should not be used on children under 2 months of age. Also, bug repellent should be applied once per day. Do not get a sunscreen/bug repellent combo as you will need to reapply the sunscreen every two hours.

Avoid using scented soaps and perfumes. Also be careful with bright colored clothes as they attract certain bugs as well. Be extra careful around stagnate pools of water, heavily flowered areas and unused areas as these are more likely to be nesting areas or feeding areas for bugs.

Wear hats and long sleeves in the woods. Make sure to examine clothing and scalp for ticks. If you find a tick gently pull it out with tweezers. Do not use your fingers as you may squeeze it too hard. The methods of burning ticks with matches or suffocating the tick with nail polish don't work for removing ticks from the skin. If you live in a wooded area, try to keep your yard well maintained, ticks do not like direct sun and are looking for overgrowth areas.

Lawn Mower Safety:

Nearly 75,000 Americans are seriously injured in lawn mower accidents each year. About 10,000 of those injuries involve children. Data from University of Michigan

Always read and review your owner's manual at the start of the mowing season. There will be specific checks you will need to perform.

If you can, get a mower with an easy kill switch, a double handle that stops the motor when dropped is a good design to have.

Keep children and pets indoors or well away from the lawn mower at all times. Don't let children ride on the mower for "fun" and it is recommended that children not operate mowers until 16 years of age.

Pick up debris before mowing the lawn.

Wearing protective eye gear is also recommended.

Wear sturdy shoes when mowing. Never move the mower back towards your feet, always go forward.

Sun Safety:

The harshest time to be out in the sun is between 10:00am-4:00p.m. This includes cloudy days as the sun still penetrates the clouds although you may not feel it. During these hours of the day you should have a sunscreen of 15SPF or higher. Sunscreen should be applied 30 minutes before going outside and reapplied every two hours. During really hot hours, stay indoors as much as possible.

Sunglasses that protect you from at least 90% of UV sunlight should be worn.

Dress for the heat. Wear light colored clothes of a breathable fabric, such as cotton. Wear a hat or use an umbrella if in direct sun for long periods of time.

Drink plenty of water, drink water even if you do not feel thirsty as you need to keep your body hydrated. Avoid drinks with caffeine or alcohol as these will only aid dehydration.

Eat smaller meals more often. Eat less protein to reduce metabolic heat.

Avoid strenuous activity. If you are going to be doing really strenuous work or sports, do them early or late in the day. Take breaks often!

Need to know "HEAT" definitions:
Heat definitions from www.redcross.org

  • Heat Wave: More than 48 hours of high heat (90°F or higher) and high humidity (80 percent relative humidity or higher) are expected.
  • Heat Index: A number in degrees Fahrenheit that tells how hot it really feels with the heat and humidity. Exposure to full sunshine can increase the heat index by 15°F. Heat cramps:
  • Heat cramps are muscular pains and spasms due to heavy exertion. They usually involve the abdominal muscles or the legs. It is generally thought that the loss of water and salt from heavy sweating causes the cramps.
  • Heat Exhaustion: Heat exhaustion is less dangerous than heat stroke. It typically occurs when people exercise heavily or work in a warm, humid place where body fluids are lost through heavy sweating. Fluid loss causes blood flow to decrease in the vital organs, resulting in a form of shock. With heat exhaustion, sweat does not evaporate as it should, possibly because of high humidity or too many layers of clothing. As a result, the body is not cooled properly. Signals include cool, moist, pale, flushed or red skin; heavy sweating; headache; nausea or vomiting; dizziness; and exhaustion. Body temperature will be near normal.
  • Heat Stroke: Also known as sunstroke, heat stroke is life-threatening. The victim's temperature control system, which produces sweating to cool the body, stops working. The body temperature can rise so high that brain damage and death may result if the body is not cooled quickly. Signals include hot, red and dry skin; changes in consciousness; rapid, weak pulse; and rapid, shallow breathing. Body temperature can be very high--sometimes as high as 105°F. Call 911 or your local EMS number. Move the person to a cooler place. Quickly cool the body by wrapping wet sheets around the body and fan it. If you have ice packs or cold packs, place them on each of the victim's wrists and ankles, in the armpits and on the neck to cool the large blood vessels. Watch for signals of breathing problems and make sure the airway is clear. Keep the person lying down

Sun Safety for your Pet:

Dogs and cats don't sweat to lose excess heat, instead they pant. Most of our pets know better and will not over exert themselves in high heat. However, if chained in the sun or locked in a car, there is little they can do to avoid it. Never leave you dog unattended in a car. Although it is only 75°F outside, in the car it can reach up to a 100°F in one half hour. If you return to your car and your pet is agitated, wide-eyed and panting rapidly they may have heat stroke.

Always provide shade and water for your pet on hot days. If there are heat wave warnings bring them inside with you.

Animals have a natural higher temperature than humans (100°-102°F for both cats and dogs). However, anything 105°F is a sign of heat stroke. Other signs of heat stroke in animals include rapid panting, wide eyes, salivating, pale and dry gums, staggering and weakness. They may even become unconscious.

The best way to treat heat stroke is to get them wrapped in wet towels and fan them as you would a human. Some suggest immersing them in cold water, but depending on the severity this may be too much too quickly. Also run cold water in their mouth. Keep track of their temperature, get them down to 103°F. Call your vet or animal hospital immediately.

Hiking Safety:

Plan ahead for any hiking trip. Take a look at the route and consider what equipment and skills you may need. Discuss emergency plans with your group before heading out. Know where the nearest ranger station is from where you start. Also, leave a detailed itinerary with someone back home. Let them know what car you are taking, where you will be starting and how long you expect to be.

Always hike with at least one other person. In more remote areas it is suggested that you hike with at least four people in your group. This way you will have one to stay with an injured person and two to go for help.

If a trail is marked as closed DO NOT go there. If an area requires special permits - DO NOT go there unless you have already obtained them.

Be prepared for bad weather and extreme weather changes. You should have enough supplies to get you through a night if needed.

Always assume the water from streams and rivers is NOT safe for drinking.

A Hiking Backpack Checklist:
Info from www.redcross.org

  • Candle and matches
  • Cell phone
  • Clothing (always bring something warm, extra socks and rain gear)
  • Compass
  • First aid kit Food (bring extra)
  • Flashlight
  • Foil (to use as a cup or signaling device)
  • Hat
  • Insect repellent
  • Map
  • Nylon filament
  • Pocket knife
  • Pocket mirror (to use as a signaling device)
  • Prescription glasses (an extra pair)
  • Prescription medications for ongoing medical conditions
  • Radio with batteries
  • Space blanket or a piece of plastic (to use for warmth or shelter)
  • Sunglasses
  • Sunscreen
  • Trash bag (makes an adequate poncho)
  • Water Waterproof matches or matches in a waterproof tin
  • Water purification tablets
  • Whistle (to scare off animals or to use as a signaling device)

Survival Pack - one pack should be carried by EACH person in your group and should include: a pocket knife, compass, whistle, space blanket, nylon filament, water purification tablets, matches and candle in a waterproof container.

Bicycle, Skateboard & Scooter Safety:

Always wear a helmet when bicycling. If on a scooter or skateboard, wear the proper protective gear such as knee and elbow pads and a helmet.

Only ride a bike that is properly fitted for you. If not fitted correctly you may hurt your knees, back, arms and will not be able to maneuver or stop as well as you should be able.

When entering the roadway from the driveway - always look! This is a high accident area as many cars do not see those coming out of driveways on bikes, skateboards and scooters.

If traveling on the road, make sure to follow all the road signs and lights. Bicyclists should follow the same rules as cars and use standard hand signals. Skateboard and scooter users should be extra carful on roads as well. HOWEVER, it is strongly suggested that scooters users stay on sidewalks and skateboarders stay well away from roads, preferably skate at the skate park.

Be predictable. Do not weave in and out of the roadway or cars. If you come to an obstruction in your path, stop and look around and behind you before going around it. A sudden swerve out into the road will not be anticipated by automobiles that are traveling much faster than you are.

Pay attention at all times. Obstructions such as wet leaves or loose gravel may come upon you quick if you are not paying attention. Also be careful around parked cars, you may not see someone opening the car door until you are right on top of it.

Try to avoid being out on the road at night or in bad weather. If you are out, be extra careful; imagine the cars cannot see you and ride defensively. You should have bright colored clothing and reflectors or battery operated lights as well.

All skateboarders should learn out to fall. Considering fractures and breaks from falls are the most common skateboard injuries, knowing how to brace yourself is important. If starting out in the sport, start small, skateboarding is just like any other sport, it takes practice and time to develop the skill.

When riding on the trails always give pedestrians the right of way. If passing from behind let them know by using a bell or stating "on your left," before passing. Keep a controlled speed on trails as you do not always know who is there around the bend. If the trail is shared with horses, slow down and give them a wide space when passing. Again, let them know you are coming by stating "on your left."

Water Safety:

Learn to swim! This is a skill everyone should take time to learn. Even the basic knowledge can help!

Children and inexperienced swimmers should use an approved floatation device/life jacket when in or, in the case of children, near the water.

Never leave a child alone around water. Make sure someone is watching them at all times!

Never swim alone. Always swim with a friend or in a supervised area. Never snorkel alone. Never surf alone.

Read and OBEY all posted signs. Do not dive in the water unless the area is clearly marked as safe. Even when marked, make sure to check for any person or debris below before diving. If the area is not marked, always enter feet first.

If swimming in lakes, rivers, or the ocean, be familiar with these bodies of water. Make sure you are aware of risks such as debris, under tows, and currents. Also, always be aware of your energy level; you need enough energy to make it back to shore!

Pay attention to your surroundings. Pay attention to the weather. At the first sign of bad weather, leave the water!

If pulled out by an ocean current do not swim against it. Instead swim parallel to it gradually moving towards the shore. You have to move out of the current by swimming across it before you can head back inland. Think of an arc instead of a straight line.

Check surf conditions before entering the water. Keep away from piers and pilings when in the water. Watch out for wildlife and have some basic knowledge of what animals and plants are in the water. Know what you need to avoid and leave wildlife alone!

Do NOT mix alcohol and swimming activities - they do not mix!

If you own your own pool, make sure it is supplied with emergency equipment and first aid. Keep a phone nearby and have instructions for emergencies posted. Have CPR instructions and make sure to take lessons in CPR. Every adult responsible for watching kids around the pool should have CPR training.

Take lessons before attempting SCUBA diving. Never dive alone. Only dive for areas you are trained for. Be familiar with your equipment and check it often.

Boating & Watercraft Safety:

Always have on life jackets. Make sure they properly fit everyone on your boat - especially children!

Learn to swim! Also, take a boating class, learn everything from navigation rules to information about your particular boat.

Do NOT mix alcohol and boating activities - they do not mix!

Let someone on shore know how long you will be gone and where you are going.

When using jet skis or other personal watercraft make sure to know the rules of the water body you are on and obey these rules. Be courteous to others and look out for swimmers, skiers in the water, etc.

Do not water ski at night. Always have someone in the boat to watch and aid the skier. Always approach a skier in the water with the engine off.

If fishing, scale, gut and clean the fish as soon as they are caught. Wrap fish separately in plastic and keep on ice. It is recommended that fish be cooked and eaten within 2 days or frozen. Frozen fish can last up to 6 months. Shellfish should be kept alive until cooked. Lobsters and crabs should be cooked the same day they were caught. Oysters, mussels and clams should be cooked within 5 days.

Water Problems

Garage had suddenly developed a mildew problem which had never occurred in the 100 plus year life of the house.

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Recently I was asked to inspect a vacation home in North Carolina. The owners said that the garage had suddenly developed a mildew problem which had never occurred in the 100 plus year life of the house. What I found was that water was running under the walls of the garage and collecting in the storage closet area. Since the garage had been closed for about four months, the mildew problem was quite severe. The owners said that they had never had this problem before, so I started by asking them what, if anything, they had done to alter the lot drainage. It turns out that they had hired an architect to design a screened porch on the flat roof of the garage, and had hired a local contractor to build it. My first question was; did the original garage have gutters? They said that it had some kind of drain in the flat roof which drained the water off the back corner of the structure. The original garage did indeed have a scupper feeding into a downspout which drained the water downhill from the structure, but this was abandoned when the porch was built. It didn’t take me long to realize that all the water falling on the gabled roof of the new porch was draining along the sides of the garage and running under the old walls. They solved the problem by installing gutters along both sides of the garage with downspouts to channel the water away and downhill from the structure. Gutters can sometimes be difficult to keep clean, but they do a very good job of keeping water away from the house.

Famous Haunted Houses

It is time to dust off one of our more popular seasonal articles - Famous Haunted Houses!

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It is time to dust off one of our more popular seasonal articles - Famous Haunted Houses! This year we have expanded our list of spooky places to visit! Have fun and enjoy!

Perhaps it wasn't the wind that slammed the door shut? Doesn't that really sound like footsteps down the hall? Or maybe it is a great marketing ploy for bed and breakfast inns and historical societies? Maybe people just enjoy the idea of hauntings? Okay, so not all of us believe in ghosts, but the stories and histories behind many haunted houses can be just as unique as their "spiritual" residents. For a little fun and change of pace, we have compiled a list of famous haunted houses and buildings in America. Dim the lights, sit back and enjoy a little Halloween-flavored fun and learn a little history too!

AlabamaSelma - Sturdivant Hall

The History: This mansion was built in 1853 for Colonel Edward T. Watts and his family as a town residence. It was later purchased by John Parkman who became President of the First National Bank of Selma in 1866. After cotton speculation ruined the bank, Parkman was arrested and was then killed in an attempted escape. His wife and two daughters sold the house to a local merchant, Emile Gillman whose family kept the home until it was purchased by the city in 1957. The house was turned into a city museum with funds from Daniel Sturdivant's estate (and why it is known as Sturdivant Hall today).

The Haunting: The young bank President, John Parkman, proclaimed his innocence and said he would fight to clear his name. Fellow citizens believed he was honest and helped him break out of jail. However, either shot or drowned, Parkman died after the attempted escape. Many believe it is his spirit that haunts the home he was forced to leave. Parkman likes to move objects around and has even been seen as a full apparition in 19th century dress. He is a benign ghost and in general just checks in on the place to see who is about.

The Viewing: Sturdivant Hall is now a museum which offers tours highlighting the architecture and furnished setting of a late 19th century home. The museum also houses a collection of paintings by Clara Weaver Parish, famously known for her stained glass at the turn of the 20th century. The museum itself is open Tues-Sat or by appointment.  C, click here for more information. To join the Selma haunted tour which includes Sturdivant Hall among other ghostly sites, take a look at the Haunted History Tour in October. More on this spooky site...http://sturdivanthall.comYouTube Video - www.youtube.com/watch?v=05SVV2fwZmc

AlaskaSeward - Jesse Lee Home

The History: This site opened as an orphanage in 1925 for rural children who lost their parents to influenza and tuberculosis. It closed after suffering damage in the 1964 Good Friday Earthquake. Today mostly the outer wall shells still stand for two buildings of the complex. Benny Benson, who designed the Alaskan state flag grew up here.

The Haunting: There are reports of children's laughter around the site and the rhythm of a jump rope. There have also been a few apparitions spotted including a small boy and a priest. However, the stories that might shed light on the reason for their attachment to this house are only speculative as they are not identified with individuals known to have died in the home.

The Viewing: The site is not open to visitors at this time. An effort is underway to reconstruct the buildings, for more information click here. More on this spooky site...www.jesseleehome.netYouTube Video - www.youtube.com/watch?v=eHCGKZ4Rujw&feature=related

ArizonaJerome - Jerome Grand Hotel

The History: Built in 1926, this building was originally the United Verde Hospital. The hospital was built to be fireproof and withstand blasts from the dynamite mining nearby. One of the best hospitals in the west, it was phased out when the mining in the area began to slow down and closed by 1950. The building stood empty until 1994; it had been a time capsule and was unchanged for 44 years. It is now being restored as a hotel with many of the rooms already completed and open for guests.The Haunting: Being a hospital, there were many patients that perished in its walls. However, there were deaths of two orderlies that many believed was murder. There is also one recorded suicide. When the building lay dormant for 44 years, locals claimed they would still see lights burning in the vacant building. Since being reopened, more paranormal activities have been noticed. The most common is for guests to feel temperature drops and hear coughing or labored breathing in empty rooms or corners of their own guestroom. One ghost is said to be a woman who died in childbirth. She is upset that her child was buried in an unmarked grave and prowls the grounds looking for the babe.The Viewing: You may stay in the hotel today. Room rates begin at $110 and go up from there. Being the highest point in the Verde Valley, it offers some great views. And if you're lucky, maybe a glance at a ghost or two! To spend the night, click here. More on this spooky site...www.jeromegrandhotel.netwww.hauntedhouses.comwww.prairieghosts.com/jerome.htmlwww.sgha.net/az/jerome/jeromegrand2.htmlBack to Top Ghost ImageArkansasFort Smith - Clayton House The History: Although built in the 1850s, the namesake attached to this home, William Henry Harrison Clayton purchased the home in 1876. By this time Clayton was a US District attorney who had a reputation for efficiently prosecuting murderers and lawless scoundrels that were giving Fort Smith a poor reputation. The Haunting: Clayton may have had a reputation for getting rid of trouble makers in town while alive, but it seems he is staying around for a little mischief. Upstairs doors slam and someone in boots stomps around. There is also a woman who appears downstairs who may be Clayton's daughter Ann.The Viewing: Today this museum offers a glimpse at elegant living in the 1880s with period furniture, landscaping and decor. For a historic tour and more information please click here. If you want more ghost stories, then try the Spirit of the Past Tour run on Friday evenings, for more information click here. More on this spooky site...www.claytonhousefortsmith.comhttp://claytonhouse.art.officelive.com/default.aspxBack to TopCaliforniaSan Diego - Whaley House The History: This house was a home, granary, court house, theater, ballroom, billiard hall, school and polling center. It was also the site where criminals were hanged before the house was built. Once built, it also had the tragic history of one of the Whaley girls committing suicide inside.The Haunting: There are many ghosts in the Whaley House. There is "Yankee Jim" who was one of the criminals hanged at the site. He now stomps around the house with a heavy step and even the first family, the Whaley's, reported hearing him in the house. Thomas Whaley, the first owner of the house has been seen lingering around the upper landing. Thomas' wife, Anna, also wanders the downstairs and the garden. There are a few other apparitions and even a little fox terrier ghost dog that is seen on occasion!The Viewing: This house is now a museum and is open for tours on most days. Their website has more details about times and price; click here for details. More on this spooky site...www.whaleyhouse.orgwww.viewzone.com/whaleyhouse.htmlwww.hauntedhouses.comBack to TopSan Francisco Bay - Alcatraz Island The History: Not a house per se, but people "lived" there right? Anyway, Alcatraz started as a military fort in 1850. It was used as a military prison and then a federal prison after 1934. In 1963 the prison was closed due to the cost of operations. As a prison, Alcatraz had a reputation of being a hard place to live in which prisoners were there to be shut away rather than rehabilitated. Punishments could be harsh such as restricted diet, solitary confinement, and hard labor. There were the now infamous solitary cells like the "strip cell" and the "hole" that even made the most hardened prisoners think twice about breaking any rules. The Haunting: This place was creating ghost stories before being shut down. Guards retell odd tales of ghosts attacking inmates or making noises. Today, there are still many haunting "hot spots" on the island. There is the utility corridor where three escapees were gunned down; this doorway is now welded shut but many say there is the sound of clanging against the door; perhaps something wants out... There are also reports of running in the corridors, voices in the cells and medical ward and screams from the dungeons and isolation units.The Viewing: Tours are available of the island and complex. Depending on the time of year, you may have to use different ferry systems to access the island. For more information click here. More on this spooky site...www.nps.gov/alcatraz/ www.cr.nps.gov/museum/exhibits/alca/www.alcatrazhistory.com/mainpg.htm www.prairieghosts.com/gpalcatraz.html www.legendsofamerica.com/CA-Alcatraz.htmlBack to TopSan Jose - Winchester Mystery House The History: Sarah Winchester, daughter-in-law of Oliver Winchester, manufacturer of the Winchester rifle, began the construction of this house in 1884 and kept the project going until her death 38 years later. The legend says she constructed the house continuously to confuse the bad spirits of those killed by the Winchester rifle. In the end it had 160 rooms, 47 fireplaces and various oddities such as doors leading to a sudden outside drop or staircases leading to the ceiling. The Haunting: Some of the ghosts are said to have been invited by Sarah Winchester as she is said to have held a séance with them every night to determine the construction for the next day. Reports of footsteps, doors closing and opening, cold spots, and other paranormal behavior have been reported. However, some skeptics in the ghost hunting world believe the mansion is more of an oddity than a true haunting ground. Guess you'll just have to go to find out for yourself!The Viewing: The mansion is open to tours today. You can select a standard tour and see 110 rooms and their various oddities and details or you can also do a behind the scenes tour to see how the house functioned. For more information click here. More on this spooky site...www.winchestermysteryhouse.comwww.prairieghosts.com/winchester.html http://mysteryhouseguide.com

ColoradoSt Elmo - St Elmo The History: St Elmo is a Colorado ghost town that was built in 1878. Originally called Forest City, this mining town reached 2000 souls at its peak. Silver, gold, copper and iron ore were all mined in the area. Starting out moral, it soon degraded to a 'Saturday Night Hangout' for the over abundance of men in the mining community. In 1890 a fire destroyed the business section of town and by 1910 the mines began to close. By 1922 most everyone had left but the affluent Stark family. They remained and tried to cash in on tourism still running the hotel and general store. Finally the post office closed (and therefore the town) in 1952. The last brother and sister of the Stark family fell into despair and she was the last of their family to die in 1960. The Haunting: After the death of the Stark family, a friend who had remained kind to them inherited their holdings in St Elmo. When their grandchildren were playing in the hotel, the doors slammed shut and the temperature radically dropped, they refused to play there anymore. Another grandchild tried to take the hotel on as a project. She started to lock away her cleaning and repair tools because they kept moving. Regardless of her efforts, the tools still appeared mysteriously in the middle of the room every morning. Annabelle Stark, the last of the Stark family to die, is said to keep a lookout for the the town from the Hotel. A skier said she saw a woman in the window who was looking off in the distance. When she followed her gaze she saw snowmobilers in the area. The skier told them that it was illegal to snowmobile in St Elmo. After they left the woman in the hotel nodded to the skier and vanished.The Viewing: St Elmo lies just west of Bueno Vista. It is considered the best preserved ghost town in Colorado and worth a stop if you are in the area. More on this spooky site...www.ghosttowns.com/states/co/saintelmo.htmlwww.ghosttowngallery.com/htme/stelmo.htmwww.legendsofamerica.com/CP-StElmo1.htmlwww.prairieghosts.com/stelmo.htmlBack to TopConnecticutNew London - Lighthouse Inn The History: Originally known as Meadow Court, this home was a summer retreat for Charles Guthrie. Built in 1902, it was turned into an Inn in 1927. Among such famous guests as Bette Davis and Joan Crawford was Harry Rodvogin, a resident artist who lived at the Inn after his old friends Bill and Al Ronnick spotted him painting portraits on the street. Rodvogin is now recognized for the paintings he created and you can see his work in the local museums.The Haunting: One guest who hasn't left is the spirit of a bride who died falling down the main stairway on her wedding day. But she is rather harmless, she hangs out in guestrooms reading a book or walks around the halls looking a bit forlorn. Strange noises are also heard around the Inn on occasion but shouldn't disrupt a good nights sleep.The Viewing: This Inn is now a resort offering such amenities as its own private beach and in-room spa services. To make your reservations, click here. More on this spooky site...www.lighthouseinn-ct.comwww.associatedcontent.com/article/682437/

DelawareBethany Beach - The Addy Sea The History: Built in 1902 by John Addy, this Inn was originally a family residence. After a wicked storm in 1927, the house was actually moved further back from the seashore. The original foundations were used as a BBQ pit and hang out until they were covered by sand over the years. John Addy was a plumbing supplier and made the Addy house and his neighbors homes some of the most efficient and convenient in the area. This made it popular when it first became a boarding house in 1935. The boarding house was run by the Addy family until it was sold in 1975.The Haunting: Room 1 had a haunted copper tub - well, until it went missing. The original Victorian tub was originally used by the Addy family. During renovations in the 1980s the tub was stored in a garage but went missing. The thief may have gotten more then they expected as the bathtub is supposedly haunted and rocks and shakes violently at times. But no fear, even with the haunted bathtub gone, there are still specters wandering the halls, random sounds and footsteps, strange whiffs of perfume and even haunting music all keeping the place "spiritually" active.The Viewing: Enjoy the Victorian trappings, walk the beach or sit on the veranda on a rocking chair - who knows, maybe the empty one next to you will rock too? To find out more about staying, click here. More on this spooky site...www.addysea.com/addyseainfo.htmlwww.addysea.com/history.htmlBack to Top Ghost ImageFloridaFort Pierce - Boston House The History: William Turpin Jones worked for the railroad and after an accident on the job was able to pay for his home, Cresthaven, in 1909. Jones used the house as collateral during the depression in an agreement with Irving Whitney. However, Whitney died and his sister Rose forced the Jones family to move out in 1932 and renamed the home Boston House. When she died in 1954 the home was rezoned by the city for commercial use after if failed to sell as a residence.The Haunting: There was a tragic shooting accident when Clifford Jones, then 10 years old, accidently shot his friend, 9 year old William Fee. However, the ghost sightings revolve around sightings of women in the window, perfume in the morning and laughter of the unpleasant kind. There have also been reports of items moving and cold spots. None of the sightings are clearly related to one event. Instead see the article by the Grim Society who reviewed the historical archives and found many of the tales of ghosts do not match the actual history of the building.The Viewing: A law firm currently occupies this old residence, sorry, no tours. More on this spooky site...http://thegrimsociety.com/2007/10/14/the-historic-boston-house/www.examiner.com/paranormal-travel-in-west-palm-beach/

GeorgiaSavannah - 17-Hundred-90 Restaurant & Inn The History: This inn was actually built in 1820, not 1790. First a boarding house and later an inn, this home has had many owners and guests. One of these guests was Anne Powell. The legend says she was unhappily married at sixteen to an Englishman. She fell in love with a German sailor who left her "in the family way." She watched his boat sail away and then committed suicide by jumping from the window, landing on the brick pavement below.The Haunting: Anne Powell is the most famous ghost, believed to haunt guest room 204 from where it is said she jumped to her death. She doesn't seem to be a menacing spirit: she sits beside the fire, lays out guests' clothes on the bed or plays pranks on guests waking them up in wee hours of the morning by setting off the radio alarm. Another ghost in the basement kitchen and restaurant doesn't like women very much and likes to shove them around. But this ghost is countered by the ghost of a merchant marine who will help the staff turn the lights off at closing.The Viewing: Savannah ghost tours stop here for a drink but you can go to the restaurant yourself and have a bite to eat. Or if you really dare, spend the night instead - ask for room 204! More on this spooky site...www.17hundred90.comwww.hauntedhouses.com/states/ga/17hundred90.cfmBack to TopSavannah - Kehoe House The History: This home was built in 1892 for William Kehoe and his family. The large family (they had 10 children!) kept the home until 1930. After that the home became a boarding house, funeral parlor, and a private residence. In 1992 the home opened as a B&B, it changed ownership in 2003, but remains an inn with a B&B atmosphere.The Haunting: The main tragedy of the house (that we know of) was the death of the Kehoe twins who died when playing around the chimney. Children can be heard running the halls and some guests have even had children check in on them in their rooms. But if you don't see the children, their mother Annie is reputed to still wander the rooms, making sure to tuck in all the guests at night!The Viewing: Why not spend the night? Ask for rooms 201 or 203. For more information, click here. More on this spooky site...www.kehoehouse.comwww.hauntedhouses.comwww.associatedcontent.comBack to Top Ghost ImageHawaiiKailua-Kona, Big Island - Hulihe'e Palace The History: This summer home for Hawaiian royalty was built by governor John Adams Kuakini in 1838 and was used until 1914.The Haunting: Different members of the royal family are said to haunt this place, both the grand staircase and the grounds. The ghosts don't mind visitors and generally keep to themselves. There is also a young boy who has been spotted, but his relation to the family, if any, is unknown.The Viewing: The palace became a museum in 1927 and is still open for limited tours which highlight the Victorian furniture and decor from the reign of King Kalakaua and Queen Kapiolani. The gift shop is also open. More on this spooky site...http://huliheepalace.com/index.htmlwww.gohawaii.com/big-island/regions-neighborhoods/kona/hulihee-palacehttp://lovingthebigisland.wordpress.com/2009/11/01/konas-fscinating-history-hulihee-palace/

Ghost ImageIdahoBoise - Old Idaho Penitentiary The History: Although not a house, this prison was the home to many inmates beginning in 1872, two years after construction began. Many of the buildings on the site were added and built by the inmates as part of their daily labor. The prison functioned for 101 years and housed both dangerous men and women.The Haunting: A fully functioning prison with isolation cells and a gallows, there are more than a few places to attract negative post mortem energies. Both the isolation cells and the rose garden (where the first gallows were located) have cold spots and apparitions. A death row inmate who committed suicide is also known to haunt the maximum security prison in a eerie green hue.The Viewing: The penitentiary buildings now house a museum run by the Idaho State Historic Society. In addition to a history of the prison and the inmates, there are also exhibits on weapons and transportation. For added fun, the penitentiary now hosts Halloween events, ghost tours and night tours. For more information, click here. More on this spooky site...http://history.idaho.gov/oldpen.htmlwww.hauntedhouses.com/states/id/idaho_state_penitentiary.cfmYouTube Video - http://www.youtube.com/watch?v=ITi8SB39J8EBack to TopIllinoisBull Valley - George Stickney House This History: George and Sylvia Stickney built this home in 1849. As spiritualists, they specifically requested the design of the home not to have square corners. It was believed the square corners could trap spirits. The family was reputed to have preformed séances regularly in their upstairs ballroom. Having 12 children, but only 3 that survived, perhaps the need to connect with the lost loved ones encouraged their continual searches into the beyond. The Haunting: The police stationed in the home today have shared stories of paranormal activity. They have heard footsteps and human voices when alone. Some have seen apparitions and had objects move on them after they left the room. Other more dramatic events such as doors opening on their own have also been seen.The Viewing: The house is registered on the National Registry of Historic Places. Efforts are underway to restore the home and eventually offer tours. However, as of today there is not much for the public to see. To prevent vandalism to the vacated structure, the Bull Valley Police Department has their headquarters on the lower floor. Take a look at the video from the Northwest Herald to see more. More on this spooky site...www.prairieghosts.com/stickney.htmlhttp://ssm.nwherald.com/northwest-herald/video/20071030StickneyMansion/stickney-mansion/http://en.wikipedia.org/wiki/George_Stickney_HouseBack to TopEquality - Hickory Hill House The History: This house was built in 1842 by John Crenshaw. Although it was illegal to own slaves in the state of Illinois, it was legal to lease slaves from slave states to work in salt mines. John Crenshaw leased slaves from nearby states to work in his salt mines. It is also said that he would kidnap free blacks and force them to work in his mines and eventually sell them into slavery. All the slaves where kept in the upstairs attic in horse stall-like cells that opened to one large corridor. John Crenshaw had a particularly nasty reputation for cruelty and abuse.The Haunting: The house opened as a tourist attraction in 1930 and many claimed to hear the rattling of chains and muffled cries from the attic. The home had the reputation that no one could spend the night. In 1978, a reporter named David Rogers was the first to spend a whole night in the house.The Viewing: Currently the house is protected by the Illinois Historic Preservation Agency and closed to the public. A grant was received in late spring 2006, hopefully it will be able to reopen soon! More on this spooky site...www.prairieghosts.com/slave.html www.illinoishistory.com/oshpage.html www.hauntedhouses.comhttp://illinoishistory.blogspot.com/2006/10/old-slave-house-closed-10-years-ago.htmlBack to Top Ghost ImageIndianaIndianapolis - Hannah House The History: This home was built by Alexander Hannah in 1858. Hannah used his basement to house runaway slaves before the Civil War. After the war he expanded the house for his new wife, Elizabeth. Four years after his death in 1895 the home was sold to Roman Oehler and the house remains owned by the Oehler family today.The Haunting: The legend is that some of the slaves seeking sanctuary in the cellar perished one night from smoke inhalation and burns after a lamp fell over. Their bodies were buried in the same cellar so the underground railroad location would not be discovered. Today cold spots, shattering glass and moaning can be heard in the cellar. A few apparitions have also been spotted. Upstairs, items move, footsteps are heard, doors open on their own and odd odors permeate the room. Even Hannah and possibly his wife have been spotted, still watching over the home and its secrets.The Viewing: The Hannah House is rented for special events and conferences today. However, overnight ghost packages are available for both inexperienced enthusiasts and professional ghost hunting teams alike. For more information, click here. More on this spooky site...www.thehannahmansion.orgwww.hauntedhouses.com/states/in/hannah_house.cfmBack to TopIowaBentonsport - Mason House Inn The History: This hotel was built in 1846 for steamboat travelers along the Des Moines River. Later, the Mason House was used as a 'holding hospital' during the Civil War for soldiers being transferred to Keokuk. It also served as a 'station' along the underground railroad. Mason House gets its name from the Mason family who owned the property for 99 years.The Haunting: Three of the owners have died in the building and there was also one murder in a guest room. In 1860 poor Mr. Knapp had been drinking and accidentally went to the wrong room. The occupant thought he was being robbed and stabbed Mr. Knapp in self-defense. The home had also been a 'holding hospital' in the Civil War and some patients may have died in the home. Also a Doctor renting a room in the 1940s died in the building. All in all, a great hangout for ghosts. The ghosts come in many forms. There are wisps of fog and cold spots to actual figures who appear and disappear from sight. There is a boy that plays tricks; he likes to rustle sheets and tug at guests as they sleep. There are footsteps, thuds and a woman in white. An abundance of ghosts and paranormal events for all!The Viewing: Today you may stay at this B&B for about $80/night ($125 if you are staying in the restored caboose!). Request to stay in the main house on the 2nd floor (rooms 5 & 7) for the best chance of paranormal dreams! Ghost Hunting 101 and 102 classes are also available about twice a year and a Halloween Ghost Walk around Oct 31st. To spend the night, click here. More on this spooky site...www.masonhouseinn.comhotels.about.comBack to TopVillisca - Villisca Ax Murder House The History: On June 10, 1912, the Moore family and two overnight guests were brutally murdered. The ax murder of two adults and six children horrified the community and its story still horrifies people today. Regardless of the unprecedented effort of police, detectives and neighboring departments at the time, the case remains unsolved to this day. The Haunting: The most common account seems to be of children's voices in the house. Things will also move unexpectedly and lamps won't stay lit regardless that there is no breeze in the home. The Viewing: Tours of the home are available through the Olson Linn Museum. They also offer night tours, but these must be arranged in advance. For current hours click here. More on this spooky site...www.villiscaiowa.comwww.prairieghosts.com/villisca.html www.villiscamovie.com/emporium.htm YouTube Video - www.youtube.com/watch?v=T54lLMJ17kkBack to Top Ghost ImageKansasKansas City - Strawberry Hill Mansion The History: Architect John G. Braecklein designed this Queen Ann style home in 1887. Margaret Cruise Scroggs and John B. Scroggs were the first to occupy the house. Margaret had surviving children in her previous marriage and her daughter Emma McFadden and her husband inherited the home in 1915. But in 1919 the home was purchased by Sister Bonaventure and turned into an orphanage for children who had lost their parents to the influenza epidemic. The orphanage remained open until 1988 and cared for over 3000 orphans. The building was then turned into a museum by the Strawberry Hill Ethnic Cultural Society who still run the property today.The Haunting: There is an unknown male ghost who haunts the third floor and will chase visitors from the ballroom. A Lady in Red haunts the house but is not associated with the families or the nuns, instead she is believed to be the spirit of a homeless woman who died under the nuns' care. Apparently she likes to join in the tours and ask questions, she usually inquires after the location of the priest's house. There are other female and child entities around the house. Sometimes music and footsteps can be heard or the scent of baby powder will fill the air.The Viewing: Strawberry Hill is now a museum celebrating Slavic immigrant history in Kansas City. It offers museum tours and the Tea Room is open on Saturday and Sunday afternoons and provide a little taste of the past. For more information and visiting hours, click here. More on this spooky site...www.strawberryhillmuseum.orgwww.hauntedhouses.com/states/ks/strawberry_hill.cfmwww.associatedcontent.com/article/379111/

KentuckyLouisville - Waverly Hills Sanitarium The History: Okay, this is not a house, but since it has such a grand reputation of being haunted, we thought to include it. Waverly Hills opened as a hospital for tuberculosis patients in 1926. Tuberculosis was a dreaded killer of the time and most of the patients who entered would die there. It is estimated that at the height of the epidemic a patient died every hour. This large complex had a long tunnel nicknamed the "body chute" where the bodies were transferred to a train at the bottom of the hill. It was covered so patients would not be disheartened by seeing the number of dead being removed from the hospital. Because Tuberculosis was not well understood, there were many experiments that occurred, some were beneficial and some were more brutal leading to tales of mistreatment and abuse. In 1982, the hospital was shut down under allegations of abuse. The Haunting: The tales of a haunting started after the hospital was shut down and allowed into disrepair. Transients, vandals and kids would break in. Stories began to spread of small children playing in the halls, lights going on when there was not power, doors being slammed, voices crying out, and various other ghoulish activities. One specific spot, room 502, is on the floor where the mentally ill tuberculosis patients were housed. This room was the nurses station where two nurses committed suicide on separate occasions for reasons unknown.The Viewing: There are tours run by the Waverly Hills Historical Society. Tours must be arranged as this is a private site and trespassers will be prosecuted. Overnight tours can also be arranged in advance. To find out more click here. More on this spooky site...www.therealwaverlyhills.comwww.prairieghosts.com/waverly_tb.html http://whsmemorial.tripod.com/YouTube Video - www.youtube.com/watch?v=1Tcl3eRoNUkBack to TopLouisianaNew Orleans - Magnolia Mansion The History: This home was built in 1857 by Alexander Harris. After Alexander died of yellow fever his widow remarried and sold the home to the Maginnis family. John Maginnis owned a cotton mill and it was whispered he was struck by lightning because of the cruel way he treated his employees. In 1939, John's daughter inherited the home and willed it to the Red Cross. The Red Cross used the home to train nurses for WWII and the Korean War. In 1954 the home was again sold into private ownership. Magnolia Mansion was renovated in 2001 and opened as a B&B in 2002.The Haunting: When renovating the home, the crew had to stop as an oily substance appeared over the walls. The owner then verbalized her plans for the place out loud so the ghosts would know exactly what she was up to. She told them she was improving the home and the ghosts would not be able to scare the guests away. This appeased them for awhile. However, ghosts are still reputed to slam doors and snuggle into bed with guests on occasion. Many guests have photos of orbs and a few extra faces from their visits as well.The Viewing: This adult catering B&B offers a great escape to any non-smoker over 21 years of age. Specializing in romance with Elopement and Wedding packages, the B&B also has fun with their ghosts offering a Romantic Ghostly Getaway Package which includes a room, treats and ghost walking tours. For more information, click here. More on this spooky site...www.magnoliamansion.comVideo - http://video.msn.com

St. Francisville - Myrtles Plantation The History: This home was built by David Bradford in 1794 but stories of haunting did not start until the 1950's. The house had a long history with many different owners. There is only one recorded murder of William Winter in 1871. However, there are many tales that are told about the home to justify the haunting. Most of these seem to be fabricated tales, but many say that is just because the house is so haunted, people needed to make up some kind of explanation.The Haunting: Among the haunting activity is the ghost of a woman in a green turban who some believe to be the ghost of a slave killed for poisoning the head mistress and her two daughters. Others claim this ghost is not a young slave but an older, unknown woman. There is also a little girl who has appeared as well as a frustrated piano player who continuously practices the same cord over and over on the old piano.The Viewing: You can dine in the restaurant, take a tour or spend the night. The choice is up to you. Click here for more information. More on this spooky site...www.myrtlesplantation.comwww.prairieghosts.com/myrtles.htmlwww.hauntedhouses.comYouTube Video - www.youtube.com/watch?v=OIMAXKBOMp8Back to TopMaineSearsport - Watchtide The History: Built in the early 1790s, ownership transferred to Brigadier General Henry Knox in 1794. He was a trusted ally to George Washington and was the first Secretary of War for the U.S. After General Knox sold the property, it went through many owners, many of them sea captains who were involved in the shipping industry of the area. The house was an inn starting in 1917 to the 1940s when it then became a private home again. In 1994, the inn reopened and is still family operated today.The Haunting: Guests and a previous owner have reported seeing phantoms in period appropriate dress floating around the home. There are reports of music heard without a "source." Footsteps have also been heard. However, the new B&B owner says there does not seem to be as much activity of late. Perhaps it was the recent remodel that chased away or appeased the spirits.The Viewing: Recently renovated, this B&B offers a great quiet getaway as well as easy access to many of the great sites around Maine. To make your reservation, click here. More on this spooky site...www.watchtide.comwww.fabuloustravel.comBack to Top Ghost ImageMarylandFrederick - Schifferstadt The History: This German colonial house was built in 1758 by Joseph Bruner. Built during the French and Indian War, the house was made to double as a refuge for colonials in the country. Originally tenant farmers and recent immigrants from Germany, the Bruner families and others like them fought to be able to purchase their land from crooked landlords. They eventually prevailed. The home would remain a family residence until it was sold to the Frederick County Landmark Foundation in 1974. The Haunting: Although apparitions are not reported, the sound of footsteps and activity can be heard. Interestingly, voices have been heard in English and, of course, German!The Viewing: Today the museum highlights early German colonial life and the experiences during the French and Indian War. The museum is open on Saturdays or by appointment. Although the museum hosts special events, most of them are historical and cultural - why not enjoy Oktoberfest while peaking for ghosts? More on this spooky site...www.frederickcountylandmarksfoundation.org/fclf_schiffgen.htmlwww.hauntedhouses.com/states/md/schifferstadt.cfmBack to TopMassachusettsFall River - Lizzy Borden House The History: As with so many haunted homes, this story begins with a murder. On the morning of August 4, 1892, Andrew and Abby Borden were murdered by ax in their home. Their eldest daughter, Lizzy, was tried and latter acquitted of the murders. However, she was ostracized from the community for the rest of her life. Some consider that she had a split personality, even those close to her recall erratic and violent behavior. And of course there was the creation of the rhyme:Lizzie Borden took an axGave her mother forty whacks;When she saw what she had doneGave her father forty-one!The Haunting: There is a strange woman who tucks guests into bed and perhaps the same woman can be heard weeping in the night. Objects move on their own and electrical equipment such as lights and cameras have some interference. Many claim the most active room is Lizzy's old bedroom - which you can stay in if you want...The Viewing: The home is now a bed and breakfast. You may spend the night, take a tour or even spend a weekend at Ghost Hunter University! To find out more, click here. More on this spooky site...www.lizzie-borden.comwww.hauntedhamilton.com/gotw_lizzieborden.html www.prairieghosts.com/lizzie.htmlBack to Top Ghost ImageMichiganMarshall - National House Inn The History: Originally as stage stop between Detroit and Chicago, this inn was built in 1835 by Colonel Andrew Mann. The inn continued to serve passengers as a railroad hotel until business slowed and it was sold and turned into a windmill and wagon factory. In 1902 the inn was converted into apartments and during prohibition offered a secret room to buy and consume alcohol. By 1976 the building was in need of repair and was remodeled into a bed and breakfast.The Haunting: This inn is still the home to a lady in red. Her connection with the place is unknown but she likes to make her presence known by popping up on the living now and again.The Viewing: The oldest inn in Michigan still operates today as a bed and breakfast. Although not promoting their ghosts, they offer weekend getaway packages as well as a historical home tour. For more information on spending the night click here. More on this spooky site...www.nationalhouseinn.comwww.hauntedhouses.com/states/mi/national_house_inn.cfmBack to TopMinnesotaSt. Paul - Forepaugh's Victorian Mansion The History: Joseph Forepaugh had the home built in 1870 for his family. It is rumored he had an affair with one of the servants, Molly, who hung herself after they broke it off. Joseph later also committed suicide, rumors stating that it was his loss of Molly driving him into depression.The Haunting: Molly is still seen floating about the mansion. She seems to reside on the 3rd floor but enjoys coming down and checking out wedding events on occasion. Although Joseph shot himself in a nearby park, he is said to wander the mansion as well.The Viewing: Today the home has been renovated and turned into a nice French restaurant. Weddings are also popular at the mansion. To find out more, click here. More on this spooky site...www.forepaughs.comwww.hauntedhouses.comwww.prairieghosts.com/forep.htmlBack to TopMississippiNatchez - Monmouth Plantation The History: Originally built in 1818, the mansion was purchased by General Quitman, a Mexican War hero, in 1826. The home was almost burned to the ground during the Civil War when the Union won this area of Mississippi. However, Quitman's daughters pleaded loyalty to the Union to save their home (their father was a staunch secessionist). The house stayed in the family until 1914. The home then went into disrepair until it was recently restored after 1978.The Haunting: The General himself stomps around the halls and makes many feel his presence as guests and staff cannot shake the thought that someone is staring at them. He also shows up as a specter to let all know he has an eye on things. Since the new owners have restored the home to its antebellum decor, there seems to be less stomping by the imposing General.The Viewing: Regardless of the haunts, this hotel offers luxury accommodation and a great escape. To find out more, click here. More on this spooky site...www.monmouthplantation.comwww.hauntedhouses.com/states/ms/monmouth.cfmBack to TopMissouriSt. Louis - Lemp Mansion The History: This house was purchased by William Lemp around 1864 to use as a residence and office for the family brewery. William's father had used a family recipe/method to create a lager beer. This beer quickly became popular and William's father abandoned his grocery store to become a full time brewer. The beer continued to be made by the family until 1922 when family mishap and prohibition forced them to shut down and sell for good. The mansion itself has a sorrowful history with one brother dying under mysterious circumstances and three other men of the family committing suicide inside. The Haunting: With three suicides one can easily guess where the idea of ghosts haunting the mansion started. However, the families odd history also adds fuel to the imagination. There is the rumor that William Lemp had an illegitimate son with Down syndrome who was kept hidden in the mansion attic his whole life. He is now said to be seen haunting the mansion and has the nickname "Monkey Face Boy." Tales of haunting first started after 1949 when the mansion was sold and turned into a boarding house. Strange knocking and footsteps throughout the mansion scared the tenants away so the house started to run into disrepair. In 1975, the mansion was saved and renovated and turned into a restaurant and inn. All types of sights and sounds have continued and are still reported today. The Viewing: Spend the night! Or take a tour if you're too scared... The mansion is a bed and breakfast that offers tours and a restaurant to those who don't want to spend the night. They also host a Halloween Party and Murder Mystery Dinner Theater. To find out more click here. More on this spooky site...www.lempmansion.comwww.legendsofamerica.com/MO-LempMansion.htmlBack to TopMontanaPray - Chico Hot Springs Resort & Day Spa The History: In 1894 Percie and Bill Knowles inherited a home near the hot springs and opened their doors as a boarding house as there were not any accommodations in the area yet. They built a hotel in 1900. In 1912, Percie teamed with Dr. Townsend and turned the hotel into a hospital. It would remain a hospital until the 1940s when it would begin to change hands. In 1974, it was renovated and again opened as a B&B.The Haunting: There is a woman in white who likes to wander the halls and spook the security guards. She also likes room 349 where she makes sure the rocking chair is always facing the window. Many think it is Percie making certain everyone is minding their manners and running her hotel/hospital efficiently. The Viewing: Relax your spooked nerves in the day spa or natural hot springs. Or get some more adventure on a trail ride or a dog sled trek in the winter. To find out more, click here. More on this spooky site...www.chicohotsprings.comwww.chicohotsprings.com/publications/big_sky_ghosts.htmlwww.spiritsociety.org/report.php?HauntID=65Back to Top Ghost ImageNebraskaOmaha - White House Apartments The History: Part of the Little Italy neighborhood, this home was built at the turn of the 20th century. Before being converted to the apartments it still is today, this Victorian home was also altered into a hospital for a while.The Haunting: A woman in white supposedly still lives here and keeps the new residents company.The Viewing: These apartments are still listed as low income housing, a.k.a. private property so enjoy from a distance. More on this spooky site...www.hauntedhouses.com/states/ne/white_house_apartments.cfmBack to Top Ghost ImageNevadaCarson City - Abraham Curry House The History: Abraham Curry was the founder of Carson City and was involved with everything from the mint to acting as prison warden. It is convenient then that the sandstone for his home built around 1869 was quarried by the prisoners. Curry died shortly after the building was complete.The Haunting: Curry was not ready to leave the house so recently built before his death so he has stayed on. He has been seen as a full apparition and appears to be looking for someone before he disappears again.The Viewing: Sorry, not going to happen; this home is now a law office. More on this spooky site...www.nps.gov/nr/travel/nevada/abr.htmwww.hauntedhouses.com/states/nv/abraham_curry_house.cfmBack to TopNew HampshireDurham - Three Chimneys Inn The History: The Three Chimneys Inn was built in 1649 as a residence for Valentine Hill. The home was used during the Revolutionary War to house munitions stolen from the British. The house stayed relatively privately owned and within about four different families. Extensive renovations were done recently in the 1990s.The Haunting: It is possible one of the ghosts is that of Hill's daughter, Hannah, who drowned nearby. Hannah seems to like to hang out in the dining areas and there is an unidentified gentleman spirit that hangs out there as well. The spirits here like to play with electrical equipment - many things just don't work in certain rooms. Furniture will be heard moving about in guestrooms where no one is staying. Also, there will be music heard from the dining rooms. The gentleman has been heard stomping around pacing and one of the spirits even shattered a water glass in the dining hall while dinner was being served.The Viewing: Although built in the 17th century, you won't have to rough it here. An elegant stay along the coast and you might get to meet Hannah as well. Click here for more information. More on this spooky site...www.threechimneysinn.comwww.associatedcontent.com/article/433780/

Ghost ImageNew JerseyCape May - The Southern Mansion Inn The History: This home was built for George Allen in 1863 and would stay in his family for 83 years. A fire in 1979 destroyed many of the southern style mansions in the area; The Southern Mansion would survive as one of the few reminders of this connection with the south. In the 1940s the home was sold and turned into a boarding house. It slowly fell into disrepair until 1994 when Bray and Wildes bought it and began restoration.The Haunting: The last of the Allen family, Ester Mercur, is believed to haunt the halls. She is a happy ghost who looks after the action in the kitchen but is also seen dancing and laughing in other areas of the home. She also wears heavy perfume. There seem to be other entities there as well but all generally polite with the living.The Viewing: Spend the night! This Bed and Breakfast offers luxurious accommodations and close access to the beach. The ghosts here are friendly bunch and might provide a little extra amusement for your dollar. For more information about staying click here. More on this spooky site...www.southernmansion.comwww.hauntedhouses.com/states/nj/southern_mansion.cfmBack to Top Ghost ImageNew MexicoSanta Fe - La Posada Hotel The History: Abraham Staab built this home along the Santa Fe Trail in 1882. His wife, Julia, became a recluse in the home after she lost her seventh child. The Nason family bought the property in the 1930s and first turned it into a hotel which it has been ever since. The hotel has enjoyed popularity with the artistic community and is credited to providing a meeting ground for the leaders of the Santa Fe Arts Movement.The Haunting: Julia is still wandering the halls of the home. She can be a bit bipolar as a ghost; one minute she is running away from visitors down the hall, the next she is throwing the glasses from the bar shelves.The Viewing: La Posada is now a luxury resort offering everything from weekend getaways to romantic weddings. For information about spending the night click here. More on this spooky site...http://laposada.rockresorts.com/www.legendsofamerica.com/nm-laposadahotel.htmlwww.hauntedhouses.com/states/nm/la_posada.cfmBack to TopNew YorkAmityville - Amityville The History: On November 14, 1974 at 3 AM Ronald DeFeo took a rifle and systematically shot his parents, two brothers and two sisters. This is the ghastly beginning of the hauntings in this Amityville home. The fame of this home spread after the ownership of Lutz family who purchased the home in 1975. They stayed only 28 days before the supernatural pushed them back out.The Haunting: At first the Lutz family noticed cold spots and muffled spots where sound did not carry well. This they could ignore as unusual but not necessarily unnatural. However, soon other events began to happen. Mr. Lutz would hear loud noises or footsteps downstairs but when he went downstairs, it was quiet and the dog would be sleeping as if nothing had happened. Mrs. Lutz began to feel the presence of an older woman and began to show increased aging as if she was becoming the old woman herself. They then discovered a small store room painted red that did not appear on the original house plans. The room had a strong odor that did not have an identifiable source and the dog was scared of the room. The mysterious events and depressing feelings of the house kept adding up until the family decided to break free. The story of the haunting has been made into movies, but Mr. Lutz considered these to be exaggerated. The Viewing: This home is privately owned. The curious are asked to respect the owner's privacy and not visit the home. It is NOT open for tours. More on this spooky site...www.amityvillehorror.comwww.ghostvillage.comwww.amityvillehorrortruth.comBack to Top Ghost ImageNorth CarolinaRaleigh - Andrew Johnson's House The History: Andrew Johnson was born in this small house in 1808. His parents kept the home as employees of the Casso's Inn; his mother was a weaver and his father a hostler and janitor. The Haunting: Instead of a person a candle is seen in the window and moves from the first to second floor with uncanny speed before being snuffed out for the night.The Viewing: Andrew Johnson's house is now part of a larger park, the Mordecai Historic Park. There are tours Tuesday thru Sunday or by arrangement for groups. For times and entrance fees, click here. More on this spooky site...http://raleighnc.gov/mordecaihttp://ncpedia.org/biography/johnson-andrewwww.hauntedhouses.com/states/nc/andrew_johnson_home.cfmbooks.google.comBack to TopNorth DakotaAnamoose - Sage Hill Bed & Breakfast The History: First opened in 1928 and known as "White School," this bed and breakfast started history as a primary school. This model school set an example for the area. It used wind power and offered students hot meals and warm showers. The teachers and bus drivers stayed on site. There were two horse barns onsite to house the horses that pulled the school bus/wagons. At its peak, there were 100 students enrolled. The school closed in 1968 because of lack of enrollment.The Haunting: Legend has it that a superintendent and student died in a fire caused by a coal burning stove. The superintendent smoked cigars and the smell of cigar smoke still hangs in the air at times. Objects like to move by themselves around here and lights and even toilets work on their own.The Viewing: Sage Hill was recently converted to a bed and breakfast by the current owners in 1996. Even remodeled, it has the feel of the old schoolhouse. Want to spend the night? To find out more, click here. More on this spooky site...http://sagehillnd.com/index.htmlhttp://hauntsofamerica.blogspot.com/2008/01/haunting-of-sage-hill-bed-and-breakfast.htmlBack to TopOhioCleveland - Franklin Castle The History: Hannes Tiedemann built this house in 1865. Unfortunately, they lost four children in a short amount of time leading to some speculation of unnatural deaths. The house architecture aids in the mystery of the house as there are secret passageways and hidden rooms throughout. There are also rumors of Tiedemann having affairs that lead to jealousy and, ultimately, to murder. One of the most tragic tales is that of Tiedemann hanging his niece to put her out of misery from her insanity or to punish her for her promiscuity.The Haunting: Past residents have heard a small child crying and heard footsteps out in the corridor. There is also claim that the tower room is haunted by the "woman in black" who can be heard choking. Lights also swing around and some objects have been moved or thrown.The Viewing: Today the mansion houses a private club restricted to members and their guests. It was rumored at one time they would eventually start tours to the building, however, nothing is posted on their website about this yet. More on this spooky site...www.franklincastleclub.comwww.prairieghosts.com/oh-frank.htmlBack to TopOklahomaGuthrie - The Stone Lion Inn The History: F.E. Houghton built this mansion in 1907. It served most of its years as a residence and later was turned into a funeral home. The only person to die in the home seems to be a young girl who died of whooping cough after receiving the wrong medicine.The Haunting: After turning this mansion into an inn, the new owners woke up at night to the sounds of footsteps and doors opening and closing. They called the police but no intruder was found. Soon after they realized they had their first "guest" who may be a small girl as she likes to take out the toys at night to play.The Viewing: Ready for some fun? From a murder mystery night or perhaps a chance to see a real ghost, click here for more information about how to stay. More on this spooky site...www.stonelioninn.comBack to TopOregonYachats - Heceta House The History: This house accompanies a lighthouse on the Oregon coast built in 1894. Many families occupied the house complex over time which included a post office, school and the light house. But it is only the keeper's house that has tales of hauntings. Many believe this is the mother of child who fell off the cliffs back at the turn of the century. The Haunting: The ghost named Rue is said to be an extra caretaker of the house. She makes it known if she is displeased with any activity in the house. One of the more humorous accounts was of her screaming in the middle of a card game, she didn't want them playing cards in her house! The Viewing: This house is now a bed and breakfast. It also has guided tours from its interpretive center. Although the current owners don't play up and advertise the ghost they have said guests have told them of strange encounters. To spend the night click here. More on this spooky site...www.hauntedhouses.comwww.hecetalighthouse.comBack to TopPennsylvaniaGettysburg - Farnsworth House Inn The History: A house was built here in 1810 and later changed to brick in 1833. During the Civil War, the Sweeney family lived in the home and the Confederates used the home as a shelter for their sharpshooters. The current owners purchased the home in 1972 and have worked on renovating the home keeping the early 19th century feel and history.The Haunting: Many ghosts haunt this home. Including Confederate soldiers who like to move furniture and stomp around the attic. Another soldier has been spotted carrying his wounded comrade to the cellar. He is heard singing to his dying friend as well. Mary, a midwife, likes to tend to anyone who is sick or distressed and may sit down on the bed next to anyone who seems to need the company. There is a small boy who died in a carriage accident out front and his grieving father who also haunt the halls.The Viewing: Whether a Civil War enthusiast who needs a place to stay or interested in meeting some of the wandering spirits, this inn will fit the bill. This inn has fun with history providing ghost stories in their tours and theater shows. To find out more, click here. More on this spooky site...www.farnsworthhouseinn.comwww.scaryplace.com/FarnsworthFacts.htmlwww.hauntedhouses.com/states/pa/farnsworth_house.cfmBack to TopRhode IslandNewport - Belcourt Castle The History: This 60 room castle was completed in 1894 as a summer cottage for Oliver Belmont. This "bachelor pad" had only one bedroom, no guestrooms and the entire first floor was dedicated to Oliver's carriage horses and their carriages. Eventually it was renovated for Oliver's new wife, Alva (formerly Mrs. Vanderbilt) who enjoyed staying at this home. Belcourt was purchased by the Tinney family in 1956 who began giving tours in 1957. The Haunting: Unlike other homes where the house holds the spirits, it is believed the ghosts at Belcourt Castle come from the numerous antiques in its' collection. The most famous is "the monk" who seems to be connected to a 17th century German woodcarving. This shadowy figure appears next to the carving and then disappears. The Gothic ballroom contains some of the most haunted artifacts including possessed chairs!The Viewing: Belcourt Castle offers a 90 minutes ghost tour for $18/person. There are also other general tours, candlelight tours and teas. For more information, click here. More on this spooky site...www.belcourtcastle.orgwww.quahog.org/attractions/index.php?id=1031www.associatedcontent.comBack to TopNewport - Castle Hill Inn & Resort The History: The location for Castle Hill originally had a watch house as early as 1740 when it was used to watch the sea for ships during the war between Britain and Spain. The Americans used the same location during the Revolutionary War to bombard British ships as they passed. In 1874, Alexander Agassiz, an explorer and scientist settled here to better study the marine life. It was not only his home but a lab that housed research students as well.The Haunting: There is a girl spirit here who may have some connection to the original owner, Agassiz. She throws a bit of a tantrum now and then and has trashed some of the china on occasion.The Viewing: This inn offers a luxury escape on the coast. For more information, click here. More on this spooky site...www.castlehillinn.comBack to TopSouth CarolinaCharleston - The Battery Carriage House Inn The History: This house was built in 1843 for Samuel Stevens, a prominent lender in the area who helped local cotton farms finance their farms. In 1870, after the Civil War had ended the local wealthy in Charleston, Col. Lathers (of the Union Army), bought the home and had it remodeled to the current New York fashion, Second Empire. However, Col. Lathers was told he wasn't welcome in Charleston and sold the home in 1874 to Andrew Simonds, the great-great grandfather of the current owner.The Haunting: There is a gentleman ghost who may be the son of a former owner who jumped off the roof to commit suicide. But he is a gentle ghost and just seems to enjoy the company. There is also a headless torso who makes many feel threatened by his creepy appearance and moaning. He might be the ghost a pirate as some were executed close to the hotel. However it is just as likely he is a soldier from the Civil War. Some guests report seeing energy orbs or have electronics turn on when they are really off. Overall it seems rooms 8 and 10 have the most activity.The Viewing: The owners of the hotel have not seen any of the ghosts themselves, but they don't mind if you want to try and catch a glimpse for yourself. Click here to find out more. More on this spooky site...www.batterycarriagehouse.comwww.batterycarriagehouse.com/ghosts.htmwww.hauntedhouses.com/states/sc/battery_carriage_house.cfmBack to Top Ghost ImageSouth DakotaDeadwood - Adams House The History: This home, built in 1892, came after Deadwood's colorful mining camp days. Harris and Anna Franklin had the home built and their family stayed in it until 1920 when it sold to W.E. and Alice Adams. This is the same W.E. Adams who started the first museum in Deadwood in 1930. His second wife, Mary, closed the door on Adams House after his death in 1934 and left everything intact; the house was a time capsule of everything from books on the shelves to cookies in the cookie jar. In 1987 the home was remodeled as became a bed and breakfast until it was sold to Deadwood’s Historic Preservation Commission in 1992.The Haunting: Of course this home didn't change much when closed up so W.E. Adams has continued to feel right at home in the afterlife. Rumors state that his widow heard his ghost walking around before she decided to leave. Cigar smoke can be smelled on the second floor and from time to time a tour will see objects move on their own.The Viewing: Now a museum, you can learn about Deadwood's history at the same time you peak for spooky apparitions. For more information on times and cost, click here. More on this spooky site...www.adamsmuseumandhouse.orgwww.hauntedhouses.com/states/sd/adams_house.cfmBack to TopTennesseeNashville - The Hermitage The History: Andrew Jackson purchased this farm and acreage in 1804 from his friend Nathaniel Hays. Using slave labor, he turned the 1000 acres into a grand plantation producing cotton, crops for local use and race horses. From 1829-1837, Andrew Jackson served as the 7th President of the United States. After serving office he returned to the Hermitage where he later died and was buried in 1845. President Jackson's son tried to keep the Hermitage together but in the end had to start selling portions of the now 1050 acre plantation. It was considered by the U.S. Congress whether to turn the Hermitage into an extension of West Point as a military academy. However, this was not adopted. By 1889 the Hermitage was in disrepair. The Tennessee Ladies Hermitage Association (LHA) formed and spearheaded the effort to save the landmark. They were able to get 25 acres which included the main mansion and other historic buildings. The other remaining 475 acres were given to the Tennessee Confederate Soldiers' Home and made into a hospital. When the hospital shut down in 1933, all 500 acres were returned to the LHA. The LHA continued to regain the land of the Hermitage and bring it under their care and restoration. Today, 1120 acres are run under the Hermitage as both a Historic landmark and Wildlife area.The Haunting: It is said that as the plantation fell into disrepair, the spirits became angry and restless. Caretakers refused to spend the night there. The ladies of the LHA would soon find out why when they decided to rotate staying there until a watchman could be hired. Loud noises kept them awake at night. One being of Andrew Jackson himself riding his horse on the stairway. The kitchen was also a ruckus with pots and pans pounding. In the morning they could see that nothing was disturbed. Other apparitions that have been seen are of slaves who are still bound in chains to the property.The Viewing: Today you can visit this museum which includes access to the Andrew Jackson Visitor Center, Hermitage Mansion, and Hermitage Grounds and Gardens. To find out more, click here. More on this spooky site...www.thehermitage.comwww.hauntedhouses.com/states/tn/hermitage.cfmwww.prairieghosts.com/hermitage.htmlBack to TopTexasAustin - Driskill Hotel The History: Jesse Lincoln Driskill opened this hotel in 1886. The hotel was grand and luxurious, funded by his success as a cattle baron. In 1888, the family lost its fortune due to drought and a cold winter that killed most of the cattle. The hotel then changed from owner to owner with the most recent change of hands in 1995. The Haunting: Driskill is claimed to still wander the hotel, puffing cigar smoke while he turns lights on and off. There is the ghost of a small girl, the daughter of a senator, who was left unattended and fell to her death while playing with her ball - she can still be heard bouncing the ball today. The Viewing: The hotel today offers all kinds of pampering. To find out more about staying, click here. More on this spooky site...www.driskillhotel.comwww.austinghosttours.comwww.hauntedtexas.comBack to TopUtahSalt Lake City - McCune Mansion The History: This mansion was built in 1900 by a railroad tycoon named Alfred W. McCune. After leaving for California in 1920, the McCune's donated the mansion to the Latter-Day Saint Church. It was then turned into the McCune School of Music. It later became a Brigham Young University Salk Lake City Center and Virginia Tanner Modern Dance School. In 1999 it was purchased by Phil McCarthy who worked to restore the mansion and open it as a hotel.The Haunting: Music is said to still haunt the McCune halls. A small room under the stairs was used by the McCune's as a stage for hired musicians. The whole house would be filled with music but their guests did not know from where it came. It is said this music still fills the air from here. Other happenings include doors locking that are not fit with locks, doors opening on their own and lights going on and off on their own.The Viewing: You can schedule a tour of the mansion through the Utah Heritage Foundation. To find out more about spending the night, click here. More on this spooky site...www.mccunemansion.comwww.hauntedhouses.com/states/ut/mccune_mansion.cfmwww.prairieghosts.com/mccune.htmlBack to TopVermontStowe - The Green Mountain Inn The History: This home was built in 1833 by Peter Lovejoy. The home changed hands and became a hotel in the later 19th century. Mark Lovejoy purchased the hotel in 1893 and renamed it The Green Mountain Inn. The inn stayed in service while having many different owners. In the 1980s massive renovations were done including the addition of clubhouses and townhouses with luxury suites.The Haunting: A tap dancer named Boots Berry haunts the third floor of this inn. Born in 1840, Boots was actually born in the servants quarters - now hotel room 302. He gained local notoriety after he stopped spooked horses from running away with the stagecoach. Boots was treated to one too many drinks and became a bit of an alcoholic and lost his job at the inn. Boots left the area and, as legend has it, was arrested in New Orleans where he learned to tap dance from his cellmate. After a life of a traveling vagrant he returned penniless. During a winter snow storm a girl was stranded on the roof of the inn. Since Boots was familiar with the area (right above the same servants quarters) he found a way to her and helped her to safety. He however slipped and fell to his death. Now it is said during winter storms you can hear Boots tap dancing on the third floor.The Viewing: There is lot to do in the area and at the inn itself. Ice cream, chocolate and wine tasting - yes please! Click here to find out more. More on this spooky site...www.greenmountaininn.comwww.greenmountaininn.com/bootsberry.htmlwww.associatedcontent.com/article/408542

Ghost ImageVirginiaYorktown - Moore House The History: The land was first inhabited by colonists in the 1630s but the home was likely built in the 1730s when it, along with 500 acres, was called Temple Farm. Augustine Moor purchased the property in 1760. During the siege of Yorktown in 1781 he and his family fled the area. In their absence, their home was used to negotiate the surrender of British troops with General George Washington. After the Revolutionary War the house changed hands frequently. During the Civil War it was damaged. In 1881 the house was refurbished to celebrate the centennial of the British surrender at Yorktown. In 1931 another round of restoration by the National Park Service (one of the first of its kind), restored the house to its former condition.The Haunting: It seems that Augustine Moore Jr. still sleeps in the beds and can be also felt following group tours around the house. There may also be other entities as other areas of the house also show ruffled sheets or depressed cushions from unseen loungers. Perhaps these ghosts are just a bit tired.The Viewing: The Moore House is now part of the Yorktown Battlefield National Park. You can tour the park for a nominal fee, for more information click here. More on this spooky site...www.nps.gov/york/historyculture/moore-house.htmwww.hauntedhouses.com/states/va/moore_house.cfmBack to TopWashingtonLakewood - Thornwood Castle The History: Thornewood Castle was built for Chester Thorne, a successful founder of the Port of Tacoma. This Tudor/Gothic estate was completed in 1911. Inspired by the estates in Britain, the stained glass windows were even imported from a castle in Europe. The castle has many different imports that add to the structure and contents of the building. One of the more interesting aspects is the "wishbone sticks" left by the Native American workers who helped in the construction. These sticks help to ward off evil and are found at the foundation in the basement.The Haunting: There are multiple photographs taken of orbs throughout the castle and reports of objects moving on their own. Tape recorders have picked up voices, one of an unknown child. One child did drown in the lake and is said to haunt its shore, perhaps they visit the house as well? Overall, the spirits at Thornwood seem to be a good natured sort. There is not a violent history attached to this home. Although the wife of Mr. Thorne is said to haunt the halls, this is more because she likes the place rather than she is out to get anyone. In fact, some believe Thornwood Castle acts as a vortex and can attract ghosts from the other side. Some guests have reported making contact with loved ones from their lives who have no connection with the castle.The Viewing: You may stay in the castle as it is now a B&B. There are Candle Light Tours: for $100 and the cost of a room you can spend the night exploring the haunted halls with a small group of ghost hunters. To spend the night, click here. More on this spooky site...www.thornewoodcastle.comwww.legendsofamerica.com/WA-ThornewoodCastle.htmlwww.prairieghosts.com/rosered.htmlBack to TopWashington, D.C.The White House The History: The White House became the home to our presidents in 1800 with President John Adams being the first resident. There have been many presidents and first ladies in the home and some have decided not to leave... The Haunting: President Abraham Lincoln is the most popular ghost with the most sightings. The first to see him was First Lady, Grace Coolidge. He has also been spotted by guards and guests. Other presidents that like to make an appearance are President Benjamin Harrison, President Andrew Johnson, President John Tyler and President Andrew Jackson. First Ladies that have made appearances include Abigail Adams and Dorothea Madison. There is also the apparition of a black cat which has been said to be seen before national tragedies such as the stock market crash of 1929 and before the assassination of President Kennedy in 1963. The Viewing: Of course you can still visit the White House today. For information about tours or for a virtual tour, click here. More on this spooky site...www.whitehouse.govhttp://paranormal.about.com/library/weekly/aa022100a.htm http://georgewbush-whitehouse.archives.gov/ghosts/

Ghost ImageWest VirginiaHarpers Ferry The History: Known mostly for its connection with John Brown and his failed slave rebellion, this town offers a unique look at 19th century history. In 1799 a US Arsenal and Armory factory was built here and industry grew in the area. In 1859 John Brown tried to seize the arsenal to arm slaves and begin a revolution for their freedom. His raid failed and he was found guilty of treason. During the Civil War (between 1861-1865) the town suffered from its strategic location and changed hand between the North and South eight times. In 1867 Storer College was started here with the mission to educate freed slaves but was also open to any student of both genders. However, segregation later etched away at the school's initial universal intent. The Haunting: Despite the fact that many park volunteers dress in period garb, park employees, volunteers and guests have also seen 19th century dressed apparitions around the town. Considering his violent end, John Brown has been seen around town and in the Kennedy Farmhouse (his old headquarters) and appears rather friendly and smiles at visitors on the street. However, there are some sad spirits in this war scarred town. A unknown man in the National Park Service Guest House glares at visitors and even pushed one. A young drummer boy who was tossed out of a window still can be heard crying for his mother and the crash of a chimney that killed a small baby during bombardment can still be felt to shake another house.The Viewing: Run by the National Park Service today, Harpers Ferry is a unique combination of Civil War time capsule, living history museum and general tourist destination. For information on visiting, click here. More on this spooky site...www.nps.gov/hafe/www.harpersferryghost.20m.comwww.hauntedhouses.com/states/wv/harpers_ferry.cfmwww.prairieghosts.com/ferry.htmlBack to TopWisconsinMilwaukee - Brumder Mansion The History: George Brumder had the home built in 1910 for his son, George Jr. After they sold the home, the house was everything from a boarding house to an activity center for a Lutheran church. They used the home for office space, a theater, and later opened a coffee house with a live music venue. The current owners purchased the home in 1997 and opened the renovated space as a B&B in 1998. The Haunting: The Gold Room was once the room of one of the Brumder daughters who never married after suffering a broken heart early in life. She is said to still stay in the room, in fact she was quite appalled and upset when the current owner spent the night in this room with her dogs - no dogs allowed! Your dreams will be haunted if any dogs sleep on the bed!The Viewing: It's a Bed & Breakfast, so take the plunge and spend the night - request the Gold Suite! You can even join a ghost hunting seminar or enjoy a haunted history dinner! For more information, click here. More on this spooky site...http://milwaukeebedbreakfast.com/www.milwaukeeghosts.comwww.hauntedhouses.comBack to Top Ghost ImageWyomingLaramie - Wyoming Territorial Prison The History: Built in 1872, this prison was one of the few in this broad territory but it did not house the most notorious killers as these were sent to Cheyenne. The most famous resident was Butch Cassidy. It only housed about 1000 prisoners as after 1890 a new prison was founded in Rawlins and the University of Wyoming took over the Territorial Prison for stock yard training and experiments. No prisoners were executed here or even died here as they were sent home to die to save the state the trouble of burying them. One inmate did die of a heart attack, Julius Greenwich and it is said his ghost now haunts the place.The Haunting: Julius was convicted of 2nd degree murder because he murdered his wife in a rage after he found her working in a brothel he frequented. He was a cigar salesman and even set up a cigar factory in the prison so yes, you guessed it, cigar smoke often fills the air mysteriously. He has also been spotted standing in the doorway that used to be his cell.The Viewing: This site was restored in 1989 and includes exhibits about Laramie and frontier living as well as the history of the prison. For more information about visiting, click here. More on this spooky site...http://wyoparks.state.wy.us/Site/SiteInfo.asp?siteID=25www.wyomingterritorialprison.comwww.wyomingheritage.org/territorialPrison.htmlwww.hauntedhouses.com/states/wy/wyoming-territorial-prison.cfmBack to Top Still can't get enough? No problem! Here are some websites that list even more haunted hotels, inns, castles, historical sites, cemeteries, tours, and other ghostly fun. Just a quick note: many haunted houses seem to get their start from murder or untimely death. Although we have not gone into graphic details here, please note that some of these sites do go into much more (sometimes gruesome) detail!American Hauntingshttp://www.prairieghosts.com/This site is a bit busy, but if you look through it there are some great excerpts from their books and fun ghost tours they run.Haunted Accommodations.comhttp://www.hauntedaccommodations.com/A ghostly list of haunted hotels, tours, and city sites in the U.S. and abroad.Haunted Houses.comhttp://hauntedhouses.com/A great selection about haunted homes, places, movies, ghost towns and more! The site is very well done with good pictures and fun stories.Haunted World.comhttp://www.hauntworld.com/ This site lists and reviews haunted houses but also has other tales and ghost hangouts listed by state. A little bit of everything, it is a fun site.Real Hauntshttp://www.realhaunts.com/Another fun collection of haunted and spooky places to stay or see on your vacation. Attractions listed by state.The Shadowlands: Ghosts & Hauntingshttp://theshadowlands.net/ghost/This site lists all the stories that exist about spooky places in your neighborhood. Entries are short and to the point.Still want more? How about a Haunted Vacation? Check out our list of Haunted Hotels, Inns and Castles!Looking for a little adventure, but it's too wet outside to play? Why not snuggle indoors and thrill your imagination with a haunted vacation? Many hotels, inns, and even castles offer spooky weekend getaways. Perhaps a friendly ghost will fold your clothes and lay them out on the bed; a mischievous one might turn on the lights and radio at 2:00AM; or perhaps one with a chip on his shoulder might give you a little "bump in the night" to remind you he is there. You might find it a good laugh or a little fun to shake up the fall and winter humdrums. Click on the banner below to read our previous article that lists scary places to stay for a haunted vacation. We tried to collect from across the U.S. and added in a few international destinations just in case you prefer a ghost with an accent! Enjoy and have some fun!

Kitchen Remodel

Hints and Tips

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Remodeling your kitchen is a major event. You may be without the room entirely for most of the remodel process. There will be many different contractors and specialists coming in and out of your home. And changes in timelines may happen due to product availability or other unforeseen circumstances. All said, it is a major project that takes careful planning and attention to detail for a satisfactory outcome. Take your time to plan carefully and enlist professional help if you hit a brick wall and don't know how to make certain items or features work. We have given you the short list of some things you will need to consider before and during a kitchen remodel.

The Kitchen Remodel List

Sink with money going down drain

The Dreaming Stage: Evaluate your needs. What do you want to change about the existing layout, appliances, utility, storage, lighting, flooring, ascetics, etc. Consider how you use your kitchen - where do you prepare meals, cook meals and clean up. How can these used spaces be improved. What will make your ideal kitchen in the space you have available? Do you want to go as far as to restructure walls? Review the three basic layouts for kitchens: U-Shaped, L-Shaped and Galley. Which of these works with your kitchen use? You may also consider the "work triangle" which places the refrigerator, sink and stove in an easily accessible triangle to help optimize your kitchen tasks. Of course with the inclusion of other useful appliances and innovative cabinetry/counter space, you may think outside the triangle. Picture your ideal kitchen and write down the elements it includes.

The Reality Stage: Figure out your budget. How much can you afford to spend/finance to make your dream kitchen happen. Do this before any purchases are made or contracts signed. Knowing your budget limitations is a must so you don't get in over your head!

Your Timeline: Consider how much time you can be without a kitchen. You may want to plan ahead and have the remodel done when the kids are at college or you are certain not to have house guests, etc. Because of the scope of the remodel, knowing a timeline is essential to preventing some of the headaches involved with not having access to part of your home for weeks or even a month or two!

The Design: Now that you have your ideas, budget and timeline, you can contact an interior designer (some are now specialized as kitchen designers) to begin hacking out the reality. Now is when you determine which of these formats will best fit your ideal use of the space. The designer can help you determine how to make all your ideas work with the products available to you at your budget.

The Material Breakdown - There are many different types of materials for you cabinets, countertops, floors, etc.

  • Types of Cabinets: Cabinets either come with a framed or frameless design. You can get 'Flat Pack' or the do-it-yourself assembly-required variety, 'Stock' which are limited in size but are fully assembled, 'Built-to-Order' which are made at the factory and shipped and finally 'Custom' that usually include some factory pre-build and more fine tuning on installation. The cabinets can be stained, painted, laminated, and sometimes even made of material other than wood like metal. There are plenty of options to get carried away with. Review the options for the drawers, slide outs and other extras for the interior of you cabinets as well. Determine your style and use of your cabinets and you will still be overwhelmed by the choices!
  • Types of Countertops: Countertops can be natural stone such as granite or marble, sealed surfaces such as laminate or ceramic tiling, or manufactured surface material such as Corian. Laminate and ceramic tiles may offer a project for the do-it-yourselfer, but any of the other products will have to made to order and usually need professional installation to keep the warranty valid.
  • Types of Flooring: Just like any other room in your home, flooring options are endless. However this would not be a room for carpeting! Installing hardwood floors, Pergo flooring, vinyl, or tiles can be a do-it-yourself project or another one you hire out.

The Appliance Breakdown - The choices for appliances are abundant. When designing your new kitchen you will want to consider the size and layout of these major items. The layout of everything else in the room will be effected by the appliances you choose. You may decide to include appliances built into the cabinetry or countertop or keep them freestanding. Overall, you are considering your refrigerator, freezer, dish washer, microwave, stove top and oven.

The Kitchen Sink - The kitchen sink stands alone as a major item to consider. You may have a double sink, typical for hand washing dishes. You may have more than one sink including one on a workspace island or countertop. You may get a deep sink, shallow sink or a combination of both.

Permits: It is very likely a major kitchen remodel will need permits from your city or county government. Research these to get a good idea of what permits you will need. Your interior designer may be able to help with this. More likely, the contractor(s) that you work with will either do the permits themselves or be able to help you determine what permits you may need. Steer clear of a contractor who tells you that you can "get by" without getting a permit; it may sound like they are saving you money but in the long run they could cost you much more!

Hiring your Contractor(s): With a major kitchen remodel you may be using several different professionals. You may start with a general contractor, however, they may hire or you may need to hire specialists such as plumbers, electricians or tilers. Talk to several contractors and get estimates and references from each. Call the references and make sure to ask questions about estimate variations - some may substitute materials to cut costs. Discuss the timeline in detail with the contractor you choose.

Determine how they will work with any sub-contractors. For example, when does the electrician and plumber need to come in or when will you be ready for the tiler? What time of day will they begin work and what days of the week? What will the contractor do if there is a delay due to materials or labor? For even more information about hiring and making a contract with a contractor, please see our previous article How to Hire a Contractor: Working as a Team on Your Next Home Project.

Demolition: Once you have removed all the dishes and other small items, the big demolition will begin. Even if you are just replacing a small section or part, there may be demolition involved. Usually appliances are removed first, then sinks, then fixtures, then countertops, then cabinets and finally flooring.

The Remodel: After everything is taken out the first couple items that will be done will be any reframing, plumbing changes and electrical wiring. Any plumbing and electrical work will need to be inspected before they can be sealed back up. You may only have portions of wall removed for this type of work. Once the inspection is done and the walls are in place, the cabinets will usually be the first item installed. After the cabinets are in place, your new countertops will be installed. After the countertop and any backsplash is done, the flooring will be installed. The final items to be done will be all the finishing work such as installing light switches and fixtures, installing the sink and faucet, and finally, installing the appliances from the garbage disposal to the refrigerator. Keep in mind, if any of the appliances are built-in, they may be installed earlier. Extra care should be taken to make sure they are not damaged while other work continues!

If Things Go Wrong: Stay calm! Delays may happen. The worst case scenario is if there are any miscommunications between you and any of the professionals working on your home. This can be anything from timing to cost. Make sure to get all details in writing before any work begins!

  • You should have a section in your contract that states what is expected if there is a delay due to material delays, staffing delays, etc.
  • Stay involved in the process and don't be shy - get progress reports daily!
  • If a problem does arise, contact the contractor immediately, a good contractor will respond quickly and appreciate you speaking with them directly. If there is any question about the quality of work, you may consider having an inspection done early to ensure everything is on track.
  • Never pay for the job fully in advance. Many contracts work out a payment plan that will include paying a certain portion as various stages of the project are completed.
  • If there are disputes, make sure to write your concerns down and keep records that you have communicated all of these concerns with the contractor.
  • You will save yourself from a headache if you make sure to: Get it in writing, get the work described in detail and leave no questions unanswered.
  • Again see our article How to Hire a Contractor: Working as a Team on Your Next Home Project for more details about hiring contractors and sample contracts.

Finally - It's Done!: With a major remodel there may be another building inspection of the site on completion. Once that is done you are ready to clean up and move back in! Enjoy your new kitchen. Take pictures and keep a record of all your new appliance, cabinet and other big item warranties.

Conclusion

One of the most major remodels of the home is the kitchen. Take time to plan it out carefully, store a lot of patience, and get ready for one of the most intense but rewarding remodels to your home! It can be done, there are many people out there to help you get it all organized. We hope you find the above short list of things to consider for a kitchen remodel helpful. To the right of the article are some additional sites that will help get your creative ideas going. Enjoy! 

Other Useful Sites

Do It Yourself.com
ww.doityourself.com/scat/kitchenc
tchen remodeling will increase the design, function and resale value of a home. This section provides information about building kitchen cabinets, re-facing kitchen cabinets, selecting a kitchen cabinet style, selecting a kitchen countertop style, and planning a kitchen design that will look great and maximize the amount of available storage space.

HGTV
http://design.hgtv.com/kitchen/
HGTV KitchenDesign is your ultimate online destination for all things related to kitchens: design and decor, renovation and remodeling, appliances and products. Utilizing original video content as well as the rich television libraries of HGTV, Food Network, DIY and Fine Living, we show you everything you'll ever want to know about your kitchen.

Improve.net
www.improvenet.com
Welcome to ImproveNet's Kitchen Remodeling Center. In these and supporting pages, you'll find information and ideas for kitchen remodeling, from kitchen cabinets to kitchen countertops and everything in-between. Our goal is to inform you, give you kitchen remodeling ideas and direction and show you some examples of kitchen designs to get you started. For their kitchen cost estimator click here.

Kitchen Remodel Ideas
ww.kitchenremodelideas.com
itchenRemodelideas.com is a guide to new products for your kitchen.

Kitchens.com
ww.kitchens.com
Kitchens.com is the Web’s most comprehensive consumer resource on kitchen design. We invite you to: Be inspired by our Featured Kitchens and Photo Gallery. Learn the basics of Design and Products & Materials. Check out the latest New Product News and Trends. Follow the Kitchen Diaries for the homeowner perspective of the remodeling experience. Get started on your own kitchen project at Budget & Planning or our Professional Locator

National Kitchen & Bath Association
www.nkba.org
National Kitchen & Bath Association has created the NKBA Kitchen & Bath Workbook. This workbook will take you through every stage of creating that perfect space, whether it's new construction or a remodeling project. From selecting a designer, to collecting ideas and establishing a budget, this workbook will help turn your dreams into a reality.

Renovation Experts
www.renovationexperts.com/green-kitchen.asp
Whatever the reasons and goals are, there are more options available today for Greening your kitchen. Green kitchen design can be eco-friendly with out losing luxury and style.

This Old House
ww.thisoldhouse.com/toh/knowhow/kitchens/pk
Kitchen Know How - Cabinetry, Countertops, Kitchen Sinks, Backsplash, Appliances, Wet Bars, Design and Outdoor Kitchens.

SELLING YOUR HOME? USE THESE TIPS!

Increase The Curb Appeal Of Any House.

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Clean up the outside.

  • Curb appeal is the first impression of your house. Keeping the grass cut and the area tidy will help make a great first impression.
  • Paint or wash the exterior of the house (including window casings, shutters, and doors).
  • Wash the windows inside and out.
  • Check the gutters and chimney.

Increase The Curb Appeal Of Any House. Simple, low-cost curb appeal and house makeover improvements that anyone can do in a weekend. Or, there are many landscaping companies that can help with the job if time is an issue.

Touch up the interior.

  • Put a fresh coat of paint in the most used areas of the home. This will clean as well as brighten up the rooms.
  • Wash the walls where paint is not appropriate (i.e. wall paper, paneling).
  • Wash all floors and bathroom tiles.
  • Shampoo dirty carpets.
  • Get rid of clutter. Clean out your closets, garage, basement, and attic. Use shelf storage if necessary.
  • Replace air filters to help keep the dust down.

Replace bathroom and kitchen fixtures that are worn or leaking.

  • People will notice a leaking or worn-out faucet. By replacing these items, you will give a new look to the room.
  • Clean under the sinks. If there are any leaks, fix them. Then clean up the damage using contact paper or paint.

Home Improvement Contractor. Find and research local contractors, and get free no obligation quotes on your home improvement projects.

Get rid of any bad smells in your home.

  • Pay attention to pet or cigarette odors.
  • Place scented potpourri around the house.
  • On the day you're expecting a potential buyer, pop a batch of frozen cinnamon rolls, home-made bread, or an apple pie into the oven for a great aroma.

Insurance Coverage in an Economic Recession

Limiting Your Risk When Cutting Costs

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Lately, when we turn on the news, we hear about a troubled economy and an unstable job market. The constant barrage of bad news has encouraged most of us to cut spending wherever possible. Perhaps a household will cancel cable TV for a year, limit their cell phone plans, reduce the number of times they eat out as a family, or tackle another cost reducing option. As many different "belt-tightening" measures are taken, everyone should be careful they don't cut the essential items. One annoying essential is the cost we pay for insurance - there is no guarantee we will need it in the near future (in fact, we hope to need it as little as possible), however, if an accident does happen and we don't have coverage, the costs could send us into bankruptcy. Understandably, if a bread-winner of the household loses their job, it is tempting to cut costs where we cannot see the immediate need. This said, it is far better to reduce coverage than to go with no coverage at all.

Before we discuss insurance any further, let us get this down now - it is not worth the risk to eliminate insurance coverage completely.

  • For homeowners insurance, your mortgage lender will require that your home is at least minimally insured. However, it is possible to let your insurance coverage lapse if you don't pay your bills or mortgage. A few months lapse does not mean you lose your insurance right away. However, letting it go longer than a couple of months will leave your home uninsured. When you then try to reenroll your coverage, the insurance company may charge you as much as 2 or 3 times more depending on how long you went uninsured - you have become a higher risk client. If you do not reenroll and let your insurance continue to lapse, your lender can take action to protect their investment. A lender may enroll the house in an insurance policy which they then add to your loan payment. However, they will be the party to receive funds if the home is damaged (i.e. fire). Essentially, you will be forced to pay for an insurance of their choosing (maybe at a higher rate) but you will not receive the benefits of the original coverage under your name.
  • Basic automotive insurance is required by law in most states. If you are driving uninsured, you could be faced with a lot of out-of-pocket expenses as well as legal fines if you are ever in an accident. Again, if you drop insurance coverage and reenroll later, the insurance company may charge you as much as 2 or 3 times more depending on how long you went uninsured as you are a higher risk client. For a chart detailing the amount of coverage required in your state, click here to visit Insure.com. Before you cut your auto insurance to the bare minimum listed, consider some of our insurance shopping tips listed below that may help you lower your costs.
  • Finally, what about health insurance? It is estimated that this year the number of Americans without health insurance is as high as 52 million. Most Americans rely on their employers to help cover some of their health insurance cost. However, as premiums rise for companies, they are forced to increase the contributions of their employees. So in today's economy, both those with jobs and those who have lost their jobs are struggling to keep affordable health insurance. Everyone should have health insurance to offset the astronomical cost of emergency health care. Those without insurance may find that the ambulance ride alone may break the bank and leave them with more debt than they can possibly afford to repay. Below we have provided some strategies for obtaining cheaper health insurance.

The above said, let us see how you can cut some of your insurance rates!

Cutting your insurance costs does not mean you should go without coverage. Instead, be a savvy consumer and do your research and shop around. Recently an insurance company ran an ad where they asked consumers how long they shopped for their car and received answers from a week to even a couple of months. When they then asked how long they shopped for insurance, there was a pause and the usual answer of, "Er, uh, less than an hour." This commercial proved a good point about how many people approach shopping for insurance with less care than the big ticket items to be covered. Here are some shopping tips to help you find the best price and coverage.

Strategies for obtaining discounts on home, automotive, and health insurance

SHOP before you DROP your money! As the commercial we used as an example above, and as we keep mentioning over and over, nothing can beat comparison shopping. Use the web to your advantage as there are so many quote and comparison sites available. If you aren't comfortable with the web, do some calling around to your local agents. It is worth your time and money! 

Considering the online insurance option? You may give up on some individualized care, but the cost savings may be worth it. Consider these PROS and CONS before you buy online insurance coverage:

The PROS - There are many benefits for utilizing online insurance:

  • Easy Comparison Shopping: Using insurance websites, you can compare coverage and prices on almost any type of insurance. You can also browse the individual insurance carrier websites once you have narrowed your search. Almost all companies now have libraries and tools for you to learn more about their services online.
  • Your Time Is Money: Shopping for insurance online can be done at any time of day. It is hard to get time away from your daily schedule to sit down and comparison shop with insurance brokers, or indeed, individual agents.
  • Low Pressure: Let's face it, many people find it easier to stand firm without the person-to-person contact. Users feel they can be more savvy and better informed when every option is at their fingertips rather than relying on an agent's account.
  • Save Money: Due to the time needed to comparison shop, the pressure to stay loyal to one company, and the uncertainty of other companies, some may lose money by staying blindly loyal to their insurance carrier. The online market allows for easy comparison shopping, less pressure, and research tools to learn more about other companies. By becoming well informed, you can work out a better rate with your current provider or move to a new provider who offers better coverage for your dollar.

The CONS - Be aware of these complications when purchasing insurance online:

  • Understanding Coverage Options: Without an agent to explain 'insurance speak,' you may not know all the coverage you may need. This is especially the case for those getting insurance for the first time. However, if you have discussed options with an agent before and have a generally good idea of the type of coverage you will need, this may be something that is manageable with a little extra research.
  • Is that quote really a deal: All quotes may not be equal. Take care to examine all the coverage included with quotes. The online quotes may help you narrow your search, but should not be taken at face value because not all companies offer the same 'comprehensive' coverage.
  • Buying Insurance Coverage In Your State: Not all states allow you to purchase insurance online. Some allow you to get quotes but still require you to meet with an agent before signing any contracts. Also, because the Internet clouds locality, you will need to make sure the insurance carrier is licensed in your state.
  • Individual Customer Care: Do you really want to push 1, then 2, then 4 to talk to someone about your insurance coverage? Working with a local agent still offers the advantages of individualized customer service. They will also have a better knowledge of the coverage their carrier provides and can help you understand all of your options. They may also be aware of more discounts available to you that you may not know to ask for online. In this way they can offer better individualized care.

For more information about purchasing insurance online, read our article 'Online Insurance: Is Online Insurance Right for You?'

  • Look for and Ask about Discounts: All insurance companies offer discounts, however, not all of them will offer a discount if you don't ask. Since not all insurance companies are upfront with all the discounts they offer, it is best to shop with this at the top of your list of items to ask about. Discounts are available for all types of coverage and include everything from being a long-time client to paying your policy in full (rather than monthly). Homeowners can get discounts by making certain upgrades to their home that make the home more secure and/or energy efficient. Automotive insurance often has the most selection of discounts ranging from a good driving record, a short daily commute, or even a high grade point average (for those student drivers in the house). Health insurers will give discounts for clients in good health - if you lead a healthy lifestyle with regular exercise, no smoking or drinking, you may find completing a health survey will save you money on your premium.
  • Raise your Deductibles: By raising the amount you pay out-of-pocket in the case of an emergency, you can lower your rates substantially. Higher deductibles will mean that you may have to pay as much as $1000 or more out-of-pocket per event. However, it does provide a safer gamble compared to no insurance at all. For health care you may consider a high deductable plan for "emergency" or "catastrophic" insurance. These plans will only cover a major accident but, if you are in good health and don't need a lot of medications, this plan can help offset high rates. However, keep in mind that you will have to pay over $1000 out-of-pocket and these plans will not cover routine doctor visits. Instead, combine this insurance with a Health Savings Account for the best rounded coverage.

MORE Strategies for obtaining discounts on home and automotive insurance: Flood damage is not covered by homeowner insurance. The National Flood Insurance Program is a partnership between FEMA and isnurance companies that offers coverage. 

  • Bundle to Save: Using one insurance provider to cover your home and vehicle can help save you money as most insurance companies provide a discount to get your business. This will save you money if you check with your current provider, but don't be shy, take advantage of online comparison sites or do some calling around. You may be surprised at the differences!
  • Review your Policy: Make certain you review your policy at least once a year. There may be adjustments you can make in coverage. For example, as your car gets older and subsequently worth less than when you first bought it, you may find you need less coverage. For your home, you may find you have sold high insured items from your household or take inventory and realize you don't need to cover that old computer or entertainment center for as much as you did before. Examining your Personal Property Value may lead to areas you can logically cut coverage.

For more information about homeowners' insurance, read our article 'Understanding Homeowners Insurance.'

Insurance Company Rankings

• AM Best Company - Insurance Reports http://www.ambest.com/homepage.asp
• Consumer Reports (requires membership for ratings) http://www.consumerreports.org/cro/money/insurance/index.htm Standard & Poor's Ratings http://www2.standardandpoors.com/
• US News & World Report - Top Health Insurance Companies http://health.usnews.com/sections/health/health-plans/index.html

Online Insurance Comparison Sites

• Insurance.com www.insurance.com
• Quicken http://www.quicken.com
• InsWeb www.insweb.com Insure.com www.insure.com
• eHealthInsurance www.ehealthinsurance.com