Blog - Author: Andrea Robinson

Author: Andrea Robinson

3 Myths About Title Insurance Debunked

3 Myths About Title Insurance Debunked

Posted By Andrea Robinson
June 03, 2021 Category: General

  The topic of title insurance is surrounded by misconceptions that keep home buyers from recognizing its importance. To help you better understand why you need title insurance, we will debunk some popular myths about how title insurance works and whether you need to purchase a policy.   1. The home is entirely new, so I don’t need it. Even when a home is brand new, the land where the house is built has still been owned by numerous people over the years. The age of the home has nothing to do with potential issues that could arise over ownership of the home. In addition, owning a new home comes with other potential problems. Items such as easements, restrictions, HOA liens, and other things could affect your ownership interest and use of the property.   2. I’m in good shape because there was a title search done at some point. A title search will examine the chain of title, legal description, check for judgments and ensure that the taxes are current on the property. An owner’s title insurance policy protects the buyer against anything that may have missed in the title search protecting one of your most valuable investments.   3. The sellers owned it for many years, and I don’t have anything to worry about. You might assume that there aren’t any issues if a home has been in a family for a long time. The amount of time a home has been owned has no bearing on whether or not it can come with title issues. A home that has be

Buyer Competition is High in Cleveland

Buyer Competition is High in Cleveland

Posted By Andrea Robinson
May 18, 2021 Category: General

  A shortage of homes for sale continues to increase prices by double-digit rates across the country. Those looking to purchase a home are being pushed to extremes to win bidding wars. While low-interest rates make borrowing less expensive, high home prices, low inventory, and tightened borrowing criteria are increased due to the Covid-19 pandemic. According to NerdWallet 2021, HomeBuyer Report found that 23 percent had plans to buy a home at the start of 2020, but 39 percent of that group delayed or canceled those plans, citing the pandemic and its effects.   With the housing market challenges, there are some hopeful solutions on the horizon. Realtors are coming up with some creative ways to showcase their local inventory. Most realtors are relying heavily on networking in person and online to find sellers and buyers. Many are using social media to connect and educate about available properties.   As buyers, it can be discouraging to continue to house hunt in these circumstances. Here are a few tips to use that can help set you apart from the competition.   · Get a mortgage preapproval · Look for homes under your budget so that you can bid up · Consider more than just one house, have a backup plan · Expand your search · Hire an experienced real estate agent   Good luck and happy house

3 Last-Minute Mother's Day Ideas

3 Last Minute Mothers Day Ideas

Posted By Andrea Robinson
May 06, 2021 Category: General

Whether it's your mother, your mother-in-law, or grandmother, you have a reason to celebrate the moms in your life. Mother's Day is just a few days away — so if you haven't started thinking about gifts quite yet, you may want to get started. Here is a list of gifts that will arrive in time for the holiday.   Personalized Handwriting Cutting Board This unique gift from Etsy showcases handwriting from you or a loved one engraved on a smooth, matte wood cutting board. Your mom can hang it as a display or use it for cooking in the kitchen — the bamboo composite is harder than wood and helps keep out bacteria. To place an order, send a clear photo of a recipe, and it will be engraved into the wood, a keepsake that she can appreciate for a long time.   Audible Subscription Give her the gift of reading with a subscription to Audible. She can access the most extensive catalog of audiobook content narrated by some of the most acclaimed voices in acting. The subscription cost is $15 for one month or $150 for one year, making it easy to listen to books where and whenever possible.   Apple Watch Series 6 Apple Watch models are water-resistant and are submersible up to 50 meters. This is a gift that is functional and stylish. An Apple Watch is like having a personal assistant on your wrist. Some of the tasks that this device can help manage are your schedule, workout routines, daily reminders, and more! The watch is available in GPS or cel

What Does It Mean to Be in a Seller's Market?

What Does It Mean to Be in a Sellers Market

Posted By Andrea Robinson
April 26, 2021 Category: General

The supply of homes for sale is not keeping up with this strong demand, making now an excellent time to sell your home. According to The National Association of Realtors (NAR) shows the inventory of houses for sale is low, sitting at just a two-month supply at the current sales pace. Typically, a six-month supply is necessary for a normal market where there are enough homes available for buyers. In a seller’s market, homes sell quicker, and buyers must compete to find an ideal property. Due to the housing shortage, these conditions often lead to bidding wars asking above what the seller asked. Other signs of a seller’s market include homes selling faster than usual within a few days or even hours in some instances and higher selling prices. Sellers have the advantage and can sell their homes for a higher asking price. If you are considering selling your home now, the odds are in your favor. When putting your home on the market, working strategically is best. For example, put your house for sale at the end of the week because prospective buyers frequently shop for homes on the weekend. Ensure that your home is in great shape for potential buyers when viewing your home, including the interior and exterior. The current real estate market conditions indicate that it is a good time to be a seller. Additionally, when selling your property, ensure that you enlist the help of a well-seasoned realtor to get the best price, and real estate agents have the knowledg

Springtime in Cleveland: Events You Won't Want to Miss

Springtime in Cleveland: Events You Wont Want to Miss

Posted By Andrea Robinson
April 13, 2021 Category: General

Spring is one of the best seasons to enjoy all that our beautiful city has to offer! After a challenging year, we can carefully resume our regular activities and appreciate the exciting attractions that make Cleveland a place to remember. Let’s take a look at a few activities that you don’t want to miss out on this Spring. One of the best things about Spring is are the new blooms and green foliage that starts appearing. In Northeast Ohio, we are lucky to be surrounded by the beautiful Metroparks that come alive. Brecksville Reservation – The entire family can enjoy the Wildflower Loop trail, where various wildflowers are labeled as they bloom. Or check out the North Chagrin Reservation, where The Scenic Loop Trail is an excellent spot to see lots of native wildflowers blooming. Another way to enjoy the warmer weather is to plan a bike ride with friends or spend time solo to meditate on the tranquil scenery. Some favorite bike paths to visit are Cleveland Lakefront Bikeway Trail that is 17 miles running along the Lake Erie shoreline, connecting Euclid and Lakewood via Cleveland. Or ride the Ohio to Erie Trail that will eventually run Ohio's length, connecting Cleveland and Cincinnati. It connects Cleveland to Akron via the Ohio & Erie Canal Towpath Trail, which takes you through the beautiful Cuyahoga Valley National Park. Just in case it’s raining when you decide to plan your adventure visit the Cleveland Aquarium, an underwater wonderland

Underwriting 101

Underwriting 101

Posted By Andrea Robinson
March 25, 2021 Category: General

Underwriting is the lender's process of calculating the risk of lending money to you. The mortgage lender must determine whether you can pay back the home loan before deciding whether to approve your mortgage application. A mortgage underwriter's job is to assess risk, meaning the entire risk if you would not repay the mortgage. Therefore, the underwriter evaluates factors that help the lender understand your financial situation, including: · Your credit score · Your credit report · The property you plan to buy During the process of home approval, there are two types of underwriters. Although they have the same job title, their responsibilities differ, and here is the definition of the role that each has during the process: · The financial underwriter – this is the individual that will authorize or decline your ability to get approved for a loan. They review the risk the financial institution will take on by lending you money. · The title underwriter will examine the title and check for possible issues that could arise during and after getting the house, building, or property title. If they feel the title is clear and you can take control, they'll approve you for a title insurance policy. Both work closely with the title company, but they do different things. Both of the underwriters work independently of each other. Each plays a crucial role in a real estate transaction. Once your mortgage is approved, your home purchase is

St. Patrick's Day in Cleveland 2021

St. Patricks Day in Cleveland 2021

Posted By Andrea Robinson
March 12, 2021 Category: General

Although the St. Patrick’s Day parade has been canceled this year, there is no shortage of activities this year. Here are a few events that you can enjoy (safely) to celebrate this spirited holiday! Plan Your Trip to Ireland On Thursday, March 11, 6 p.m., via Zoom, join travel expert Susan Becks as she presents highlights of Ireland, including must-see destinations, history, heritage, and traditions. She will share beautiful photos and take you on a trip without leaving your home. Register at mcdl.info/Irish. The Zoom link will be emailed to all registered participants before the event. You must have the link to access the event. St. Colman Church Morning Mass St. Colman Church has been celebrating the holiday with morning mass since it was built in 1918. This year's gathering at the historic church is noon on March 17th, and limited preorder tickets are available. It's also streaming live on Facebook. Savor a Tasty Reuben Get them plain or Reuben-style, but no matter how you cut it, these savory slices from Corky & Lenny's, Jack's Deli and Restaurant, Joe's Deli, Mister Brisket, and Slyman's Tavern are the best. Check out these restaurants for the best-corned beef sandwiches in Cleveland. It is recommended to preorder and get in line early to reserve your meals. Celebrate with an Irish Ale For those hoping to celebrate with a tasty Irish ale, Red, Wine & Brew in Mentor offers a great selection of beers and ales. Thirsty Do

Common Misconceptions About Title Insurance

Common Misconceptions About Title Insurance

Posted By Andrea Robinson
March 01, 2021 Category: General

Misunderstandings about title insurance are common among home buyers. Myths about title insurance have been told, preventing people from understanding the needed coverage. To help you understand why you need this type of insurance, let's discuss some common myths about title insurance. 1. There is only one kind of title insurance. Early in the home buying process, a title search is conducted to review the property's history and uncover any issues that could affect your right to ownership. After a thorough examination of public records, there can be hidden title defects, such as tax liens, claims by heirs, or recording errors. 2. Title insurance is a monthly or yearly expense. Title insurance is a one-time cost you pay at closing when you purchase or refinance a property. 3. Title insurance is costly. The one-time premium for an owner's title policy is based on your home's purchase price and is a small percentage of closing costs. Coverage is provided as long as you and your family own the property. 4. Homeowner's insurance and title insurance are the same. Title insurance protects a buyer's right to ownership and the mortgage company's investment. In comparison, homeowner's insurance is a policy that protects you against potential losses or damage experienced to the structure of your home or its contents during an insurable incident. 5. Title insurance isn't necessary when refinancing. An owner's title policy is valid as lon

5 Cybersecurity Tips While Working From Home

5 Cybersecurity Tips While Working From Home

Posted By Andrea Robinson
February 16, 2021 Category: General

According to Forbes, nearly 60% of full-time and part-time workers in the U.S. were doing their jobs remotely within the past year. It’s become a necessity for employees to work from home. With many of the workforce pivoting to working remotely, that raises how to improve cybersecurity to prevent any critical information from being compromised. Here are five ways that IT professionals recommend to protect your precious data. Create strong passwords – It is recommended to create a robust and lengthy password for every online account you log in to on an employer-issued device. Your password should be at least ten characters, excluding words or personal information. Additionally, combine uppercase and lowercase letters with numbers and special symbols to increase your password's difficulty and decrease the chances of someone hacking your data. Ensure that you are updating software as recommended – Programs and operating systems are updated regularly to prevent criminals from capitalizing on their weaknesses. Make sure your operating system is running the latest version. Enable automatic updates to make sure your systems are protected. Beware of phishing techniques - Phishers will try to make their requests appear authentic by replicating trusted senders' email addresses. Look for typos, added punctuation that’s not supposed to be there, and email addresses that use the correct username with the wrong domain. Utilize your corporate VPN

Last-Minute Valentine's Day Gift Ideas

Last Minute Valentines Day Gift Ideas

Posted By Andrea Robinson
February 11, 2021 Category: General

Valentine's Day is becoming a holiday that is just for couples. Regardless of who you're spending Valentine’s Day with, there's a perfect gift out there for that special someone. You can order numerous items right now that are ideal— and that will ship in time. Let’s take a look at five perfect last-minute gifts for Valentine’s Day. Lavender and Pink Bouquet This bouquet is a partnership between Country Living and Colour Republic that ships free from Amazon. Your sweetheart will receive twenty-four lavender and pink roses that arrive in a glass vase and are wrapped in a burlap gift bag ready for gifting. This is a classic gift that shows your affection, something anyone would love to receive. Homesick Home State Scented Candle Send some positive vibes to the friend or family member who moved away with these state-inspired candles. Celebrate any special occasion with these luminary visions. Candle options include country, state, city, and memory. All can be purchased for under $40. Popbar Hot Chocolate Sticks Gift Set Who doesn't love to receive chocolate as a gift? These delicious treats are perfect for shipping out to friends and family this Valentine's Day. The gift set comes in a six-pack with a gift box with dark, milk, vanilla white chocolate. This edible delight is meant to be enjoyed shared or alone. Ember Temperature Control Smart Mug This is not your average coffee mug. It comes with heated coils, making it an exc

YES: It's Still a Good Time to Buy or Sell!

YES: Its Still a Good Time to Buy or Sell!

Posted By Andrea Robinson
January 26, 2021 Category: General

Experts are predicting a year of increased demand and rising home prices. Buyers are still eager to move, but the lower supply of homes on the United States market is contributing to increasing home prices. According to a 2020 National Association of Realtors study, homes sold for an average of $66,000 more than the purchase price. In 2021 the interest rates are expected to remain low. Low rates are favorable for an affordable mortgage. There are not enough properties on the market compared to the number of shopping buyers. As a result, it remains a seller's market that benefits homeowners who are choosing to sell. If you are debating, "Should I sell now or wait?" Here are some important factors that could contribute to your decision. The lack of available homes on the market creates opportunities for sellers to benefit from eager buyers, possible multiple purchase offers, and rising prices. The ideal time to put your house on the market can be specific to your location and influence the best time to list your home. Factors outside of your control include local job growth, mortgage interest rates, tax incentives, and neighborhood inventory. The uptick in home sales is defying typical seasonality trends. Several factors have spurred the increase. People working at home due to the pandemic have sought larger home-office spaces, often by moving to bigger houses making the option to sell your home favorable. On the other hand, you should consider waiting to sell

Winter in Cleveland: Fun Things to Do!

Winter in Cleveland: Fun Things to Do!

Posted By Andrea Robinson
January 20, 2021 Category: General

Cleveland is packed with things to do for everyone, residents, and visitors of all ages and various interests. With the colder weather here to stay for a while – let’s take a look at some fun and safe activities to enjoy over the next few months! Cleveland Museum of Art The Cleveland Museum of Art ranks as one of the best all-encompassing art museums in the United States. It is one of the frequently visited. Some of the current exhibits include Fashioning Identity: Mola Textiles of Panamá and Bruce Davidson: Brooklyn Gang. Become reacquainted with the Cleveland Museum of Art. It is free to the public. The museum’s hours are Tuesday to Sunday, 10:00 a.m. to 5:00 p.m. Climb Cleveland Purchase a day pass, and you can have access to everything Climb Cleveland has to offer. This includes climbing, yoga, fitness, and dancing. Climb Cleveland has climbing routes to fit a certain level of difficulty to practice various climbing techniques. There are brightly colored holds to make the paths distinct and easy to follow. The rock-climbing gym is open Monday through Friday, 3 p.m. - 10, p.m. Saturday 10 a.m. – 10 p.m., and Sunday 10 a.m. – 8 p.m. West Side Market The West Side Market is free to the public and has been an indoor marketplace since 1912. Upon entering the market, you’ll see row after row after row of vendors that are primarily family-owned businesses. Before making a purchase, enjoy a sample. With the hundreds of vendors, th

2021 Home Design Trends

2021 Home Design Trends

Posted By Andrea Robinson
January 20, 2021 Category: General

Today everyone is spending a great deal of time at home. Most are reevaluating their needs within a living space. Many are utilizing their homes as a multifunctional space for working, socializing, exercising, and more. As we adjust the way we live, we're also changing the spaces we live in. Comfort and utility are the design trends that will be prominent in 2021. Let’s take a look at a few of the design trends and how you can incorporate them into your living space! Grandmillenial Style This new style is indicative of a modern revival of cozy design elements that you might find in your grandparents' home. Expect to see vintage touches and old-school patterns. For example, coordinating soft, sink-into furniture, warm woods, mixed with bold modern colors. Color Stories Earth tones, including beige, brown, and terracotta, will continue to be popular this year. If you are considering starting a painting project, instead of grey or white, try a warm earthy tone. The color change will warm up your interior space and create a warm, comfortable feeling. Wall Treatments Wallpaper is trending in a big way. Removable wallpaper is popular with people who rent or are looking for an easy way to upgrade their living space. Wallpaper is perfect for a quick and dramatic change. Natural Accents Synthetic fabrics such as polyester, nylon, and rayon may lose ground to natural and recycled textiles in 2021. Sustainable and organic materials are at the top of the list when

3 Good Reasons to Get Title Insurance

3 Good Reasons to Get Title Insurance

Posted By Andrea Robinson
December 22, 2020 Category: General

People have the future in mind when they buy a house and purchase homeowners title insurance to help protect their future. As a homeowner, there is a need to protect the property against the past and any future occurrences. For many owners, their property is their largest investment—and is worth saving! Let’s take a look at three reasons why you need title insurance. Liens for Unpaid Taxes A lien on a property may disqualify a property from being sold. Property liens are legal notices attached to a property title because of unpaid debts. This can make buying a home a lot more complicated. A lien means that before you move forward with your new home's purchasing aspect, you need to research any liens against the property or home. Current Lawsuits or Mistakes in Records Does the future look bleak for the property you're about to purchase? It's a good idea to run a background check to investigate any lawsuits or disputes in records. It's a common problem that the records on your home are not exactly up to date. When a home is passed through families and generations, there could be errors in the property area's actual square footage or measurements. Encroachments Encroachment on the property violates the original terms listed on the deed. An encroachment occurs when a neighbor builds something either on or extends onto your property. An encroachment is a problem because it impedes the property's use for the person whose land is infringe

Northeast Ohio Holiday Events

Northeast Ohio Holiday Events

Posted By Andrea Robinson
December 15, 2020 Category: General

If you’re looking for something festive to do in Cleveland this Christmas, here is a guide filled with virtual and in-person holiday events happening across Northeast Ohio this year.   Downtown Cleveland's Annual Winterfest This celebration is everything that you want out of a holiday season. Winterfest (like most things happening in 2020) will be a little different to accommodate the latest health and safety guidelines. Get the full Winterfest schedule with additional activities using this link https://www.winterfestcle.com. All of the holiday festivities are held from Monday, December 14, 2020 - to Sunday, January 3, 2021.   Light Up Lakewood Lakewood’s annual holiday celebration has been reimagined. The idea is to capture the spirit of the city's festive traditions with nine days of virtual experiences. The online event will feature new video content posted every night at 7 pm, including a mini-parade, lighting ceremony, musical performances, storytime, and more. Light up Lakewood begins on December 12, 2020, and ends on December 20, 2020. Trans Siberan Orchestra The holidays in Cleveland wouldn’t be the same without TSO. The well-known holiday orchestra has played in Cleveland every year since 1999. Instead, members of TSO's east and west bands will unite for an exceptional virtual performance of the group's 1996 debut album "Christmas Eve and Other Stories." The concert will be held on December 18 at 8 pm.

Title Insurance Terminology 101

Title Insurance Terminology 101

Posted By Andrea Robinson
December 03, 2020 Category: General

A clear title is necessary for any real estate transaction. Title companies must search every title to check for claims or liens of any kind against them before they can be issued. A title search examines public records to determine and confirm a property's legal ownership and determines whether there are any property claims. There are a lot of details when it comes to understanding title insurance. Instead of becoming overwhelmed, here are some standard terms used to help gain a better understanding.   · Assessed valuation - the value placed on the county assessor's property; used as a basis for computing property taxes. · Closing - in some areas called “settlement” or “escrow.” The process of completing a real estate transaction during which deeds, mortgages, leases, and other required instruments are signed and delivered, an accounting between the parties is made, the money is disbursed, the papers are recorded, and all further details such as payment of outstanding liens and transfer of hazard insurance policies are attended to. · Deed of Trust - security for a property loan; deed the property to a third party trustee to hold until the loan is paid. · Description - a reference to specific maps, plats, and other instruments recorded with the county and serve to make positive property identification. · Escrow – is a legal concept describing a financial instrument whereby a third party holds an asset

Home Values in 2021: What the Experts are Forecasting

Home Values in 2021: What the Experts are Forecasting

Posted By Andrea Robinson
November 30, 2020 Category: General

Housing experts agree that home prices are expected to continue to grow about 4% by the beginning of 2021. Uncertainty remains in the long term, with elevated unemployment expected to persist over the next year. After watching the for-sale housing market mostly shrug off the potential impacts of the coronavirus pandemic this summer. The market was expected to take a small dive and decrease but close 2020 with historically low inventory and massive buyer demand. Existing home sales also show the tightest housing market on record. It shows the ability that the housing market has to bounce back in the face of an ongoing recession. With winter months approaching, this healthy buyer activity suggests a winter housing market that is more active than average. Buyers may face more competition and have to act more quickly than usual to purchase their dream home. Many of those fortunate enough to have kept their jobs look to take advantage of low mortgage rates by jumping into the market by purchasing or refinancing. Mortgage rates should remain low in 2021, according to Fannie and Freddie. Both predict that 30-year fixed rates will stay in the high 2% or low 3% range from now until early 2021. After an extensive amount of time spent at home, homebuyers prefer more space and quiet. These preferences are a renewed focus on preparing for the unexpected, keeping affordable suburbs and secondary markets top of mind for many buyers. We've already seen a trend of more metropolitan sh

2020 Holiday Decor Trends

2020 Holiday Decor Trends

Posted By Andrea Robinson
November 17, 2020 Category: General

It seems that the holiday season is beginning early this year. According to recent trends, consumers plan to shop earlier this year to avoid inventory issues and shipping delays. With many of us spending more time at home this year, holiday home decorating will happen earlier than before. Are you ready to discover popular holiday trends for 2020 and how you can create these looks in your own home? 1.) Navy – This color had a significant influence on the home décor industry, as you see it in furniture, accessories, paint, and even holiday décor! Navy pairs with so many colors, including silver, gold, platinum, and red. If you have navy accents in your home, definitely consider bringing navy into your holiday décor! 2.) Platinum – Platinum is the new neutral of choice! This tone falls between silver and gold and tends to be a little softer. Platinum is the perfect companion shade that will make your décor festive and unique. 3.) Metal — This fun element is excellent to bring holiday cheer. Consider incorporating large oversized jingle bells, tabletop pieces, and ornaments. Try a mixed metal theme and focus on golds, silvers, and platinum. 4.) Nutcracker — This is a new trend in holiday décor. The nutcracker theme brings elegance, as it incorporates fun colors of red, green, gold, and navy. Add nutcrackers into the body of your tree or bringing in a playful plaid or nutcracker ribbon. 5.) Farmhouse- The Farmhouse trend is s

What is Underwriting and Why Does It Matter?

What is Underwriting and Why Does It Matter

Posted By Andrea Robinson
October 27, 2020 Category: General

Underwriting is the mortgage lender’s process of determining the risk of lending money to you. The bank, credit union, or mortgage lender has to decide whether or not you can pay back the home loan before deciding whether to approve your application. A home loan is a detailed process involving applying for the mortgage, receiving a loan estimate from the lender, processing the loan, waiting for approval, and finally closing on your home. The role of an underwriter is incremental in the entire process. Here are the responsibilities of an underwriter when helping process your home loan.   · Review your credit history. Underwriters look at your credit score. They look at your overall credit score and search for things like late payments, bankruptcies, overuse of credit, and more. · Request an appraisal. Your underwriter will request an appraisal to ensure that the lender's amount for the home matches up with the home’s actual value. · Verify your income and employment. Your underwriter will ask you to verify your income and employment situation. · Look at your debt-to-income ratio. Your DTI is a percentage that tells lenders how much money you spend compared to how much income you bring in. You can calculate DTI by adding together your monthly minimum debt payments and dividing it by your monthly income. An underwriter analyzes your debts and compares them to your income to ensure you have enough cash flow to cover your mortgage pa

Cleveland Trick-Or-Treat Times

Cleveland Trick Or Treat Times

Posted By Andrea Robinson
October 19, 2020 Category: General

Wondering what time trick-or-treat begins this year? Here is a guide to local community trick-or-treat times throughout Fairview Park and other surrounding cities!   Avon: Saturday, Oct 31, from 6 – 7:30 p.m. Avon Lake: Saturday, Oct 31, from 6 – 7:30 p.m. Bay Village: Saturday, Oct 31 from 6 – 8 p.m. Fairview Park: Saturday, Oct 31, from 6-8 p.m. Lakewood: Saturday, Oct 31, from 6 – 8 p.m. North Olmsted: Saturday, Oct 31, from 6 – 8 p.m. North Ridgeville: Saturday, Oct 31, from 6 – 7:30 p.m. Olmsted Falls: Saturday, Oct 31, from 6 – 8 p.m. Rocky River: Saturday, Oct 31, from 6-8 p.m. Westlake: Saturday, Oct 31, from 6-8 p.m.   Here are some tips for a safe Halloween during Covid-19, from the Health Department.   For parents: · Have children wash their hands before eating treats. · Bring hand sanitizer and a flashlight. · Eat only factory-wrapped treats. Avoid homemade treats made by strangers.   For trick-or-treaters: · Design and wear a cloth face covering. · Trick-or-treat with only your household instead of with a large group this year. · Wear reflective clothing. · Only walk on sidewalks or the far edge of the road facing traffic.   If giving out treats: · Design Wash hands or use hand sanitizer often - even if you're wearing gloves. · Wear a cloth face covering over your nose and mouth. · Keep your distance when giving o

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