It should surprise no one that Americans have far more invested in their personal residences than they do in the stock or bond markets. There are ways that we can make sure our investment is well-protected, too. Consider the following simple tips:

*Make sure you have smoke and carbon monoxide detectors installed in key places throughout your home, especially in the vicinity of the kitchen and the bedrooms. Remember to check the alarms regularly.

*Install fire extinguishers in key places−the kitchen, bedrooms, near a fireplace, in the garage−and remember to check these as well.

*At least once every ten years, have an electrician examine your home's wiring system and make any necessary repairs or upgrades.

And here is perhaps an unexpected addition to this list: Stay on top of your budget, making sure that you have enough savings to cover monthly mortgage payments if your income falls off temporarily−even making sure that you can continue to afford both your home payments and all of the other obligations that face you every month.

Work with your real estate advisor and financial advisor to make sure you are using your home as the foundation of your financial life, not as a luxury you find difficult to afford. Your home can and should protect you not only from the weather but also from financial shocks, and it should also help with medical emergencies and business, investment and educational opportunities. For professional real estate advice,

call Beth at (425) 450-5208 and visit her website at www.bethbillington.com.

Beth Billington is a Realtor® with Coldwell Banker Bain in Bellevue, WA.