The Rise of Keyless Door Locks
Are They Worth the Investment?
Are you tired of constantly misplacing your keys or worrying about who can access your home? If so, consider switching to a keyless door lock system. These high-tech alternatives offer convenience and security but do have drawbacks. Before you make the change, let’s explore the pros and cons to help you decide if keyless locks are
This is especially helpful for household members with accessibility needs, who may find traditional keys difficult to manage. Keyless locks also make it easy to grant temporary access to trusted individuals, like dog walkers or housekeepers, without the hassle of making copies of physical keys. THE SECURITY CONUNDRUM While keyless locks offer an extra layer of security, they are not perfect. Tech-savvy criminals can hack them, and anyone can look over your shoulder to learn your code and gain unauthorized entry. If you forget the code or experience a power outage, you could be locked out of your home.
Choosing a high-quality, secure model and changing the code regularly is crucial to mitigate these risks. THE FINANCIAL CONSIDERATION Another factor to consider is cost. Keyless locks tend to be more expensive than traditional deadbolts, ranging from $150–$250. Homeowners on a tight budget may find the price tag a deterrent, though the long-term convenience and security benefits could make it a worthwhile investment. THE DESIGN DILEMMA Finally, it’s worth considering the aesthetic impact of keyless locks. Many models prioritize function over form, resulting in bulky, unattractive hardware that can detract from the overall look of your entryway. If you’re a design- conscious homeowner, you may need to research to find a keyless lock that seamlessly blends with your home’s style. The decision to install a keyless door lock system depends on your needs, budget, and priorities. Weigh the pros and cons carefully, and don’t hesitate to consult a professional locksmith to ensure you make the best choice for your home.
the right choice for your home. UNLOCK THE CONVENIENCE
One of the most appealing aspects of keyless locks is their convenience. No more frantically searching for your keys when your hands are full — with a simple code, fob, or biometric scan, you can effortlessly access your home.
Many think property division during a divorce mainly involves houses, cars, and bank accounts. They often forget that one of the most prominent assets we have is our debt, which is also divided among ex- spouses. Finances are often one of the most contentious aspects of a divorce, and debts can likewise cause difficult disagreements to sort through. Fortunately, with professional assistance, issues related to debt division can be solved equitably and positively. Here is what you need to know about marital debt in the state of Illinois. MARITAL VS. NON-MARITAL DEBT When it comes to which debts ex-spouses will split, timing is important. Debts that predate a marriage are considered non-marital debt and will remain with the spouse who accrued them. Additionally, student loan debt is often the responsibility of whoever’s education it counted toward. On the other hand, mortgages, car loans, and credit card debt, for example, that are accrued during a marriage, are the Financial Obligations The Basics of Splitting Marital Debt
also be divided up among ex-spouses, with each paying a different amount depending on the details of the agreement.
It is common for each spouse to own their own or multiple vehicles. Likewise, following a divorce, both spouses will likely retain ownership of their primary vehicle. If outstanding car loans exist, then it is often the responsibility of the primary owner to pay them, though refinancing may also be necessary to meet those obligations. HANDLING DEBTS One of the most common ways of handling marital debts is by paying them with the proceeds from the sale of marital property. For instance, the couple will sell a home, pay off the mortgage, and then divide the remaining proceeds. This is also true with cars and other marital property. Alternatively, debt can be shared following a divorce, though this may lead to difficulties if one spouse fails to meet their end of the deal. It is important to find an equitable solution to the debts you have both accrued throughout your marriage, and we are happy to help you through this difficult process.
responsibility of both parties. MORTGAGES AND CAR LOANS
Houses are typically purchased jointly among married couples and are often in both spouses’ names. Mortgages, then, are also a joint responsibility. However, if one spouse assumes full ownership of the property following the divorce, they are likely going to need to refinance the mortgage and make future payments. Mortgages can
2 — rbbfirm.com
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