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How a Home Generator Can Benefit You

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Why do I need a generator? Does this sound like a question you may have asked yourself? Or better yet, how do I know which generator is right for me? In today's world, there are many "businesses" that will sell you a solution when there isn't a problem, or worse yet, the wrong solution for a big problem. Learn how to be sure this doesn't happen to you as well as understand some of the things to study when you decide to protect your investment with a backup generator.

When looking to protect your home, you should not always look at the bottom line upfront. There is such a thing as being penny wise and dollar foolish. Some "Dealers" and I use this term loosely will tell you that you only need the smallest unit on the market in order to protect your 5,000 square foot home with your M.R.I. machine neatly nested away in your basement next to the power switch to your own private airport.. Now granted, I am exaggerating quite a bit here, but I have seen some crazy installations in my time that were done by people who were supposed to be licensed electricians. Now understand before I proceed with this article, I am not trying to throw you some crazy sales pitch for some ocean front property, but rather explain some of the key differences in what seems to be an extremely confusing process. Let me start out by categorizing home generators by mobility. There are two levels of mobility. Portable, and then permanently installed. I will not cover the portables in this article since the majority of Americans do not purchase them any more simply because they have a hard time efficiently powering the modern home.

This leaves the permanently installed units which are composed of two categories:
Air-Cooled- This option is the answer to near 90% of the homes the average person owns. They are low maintenance, and usually fully automatic. An air cooled unit will typically provide between 7 kW of electricity to 20 kW of electricity. These types of units will start themselves one time per week to "exercise" and then shut off within 15 minutes and return to sleep until the next week. When the power goes out, the generator will start up on its own, transfer power via a transfer switch, power the appropriated portions of your home until utility power returns, then retransfer power when utility power returns and shut itself back off. This is a very straightforward approach for most people's homes and like I said, will work 90% of the time. These units also save you the headache of refueling since they run off you the fuel supply your home already uses... Either Natural Gas or Propane.

Liquid-Cooled- This is an option for small businesses, larger homes, and properties where long term power outages are frequent. Liquid-Cooled Generators offer all the benefits of an Air-Cooled Unit but produce electricity from 18kW and up. These units are typically powered by an automotive engine and therefore are designed to produce more power, and run for longer periods of time with lower maintenance costs. Liquid-Cooled units are a higher price up front, but sometimes are the only smart option. Such as when you are living in a multi-million dollar home with exotic electrical features such as radiant flooring, heated swimming pools, and multiple large air conditioning units on various furnaces. in cases such as this, lets face the facts... would you put your life savings in a shoebox? Conventional insurance is a product that only helps you when its already too late, and still costs you a deductible and lost treasured items. A generator is an insurance policy in its own right, and can actually lower your homeowners policy as much as 20% in some areas.


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A Checklist for Inspection Used Mobile Homes

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When buying a used mobile home, there are several things to keep in mind. This useful checklist can help ensure you end up with a structurally sound manufactured home to call your own.

Avoid Aluminum Wiring
Used mobile homes, particularly those originally built in the 1970's, might be equipped with aluminum wiring. Aluminum wire can be a fire hazard; it expands when it warms and contracts when it cools, causing the wiring to loosen over time. Also, aluminum oxidizes or corrodes when it contacts certain metals. This combination can lead to sparking in the walls. To check the wiring, first shut off the electricity. Then, remove an electrical outlet or switch cover and look inside. If the bare ends of the wires are silver in color, they are more than likely aluminum. If you find a home you love with aluminum wiring, you may want to have a professional evaluate it.

Gaps around Door and Window Frames
When mobile homes are purchased and set up, they are placed on cinder blocks to meet the frame. Over time, the home settles and can shift and move. Gaps on the top and bottom of the door frames and windows, as well as wavy interior walls, can be an indication of a home that needs to be re-leveled. A manufactured home dealer or contractor can do this inexpensively. Be wary of any mobile home that has settled too much; it probably won't be a good purchase, even if re-leveled.

Check Ceilings for Stains and Exterior of Roof for Sagging
If you notice stains on the ceiling of the mobile home, it can indicate a roof leak. If it has rained recently and the stains are dry, leaks have likely been repaired. But if they're wet, that's another story. Additionally, if the stains have multiple rings, this likely means that the roof has leaked on several occasions which may be a sign of larger issues.

Check Exterior for Wavy Shingles or Sagging Roof Lines
When you buy a mobile home, be sure to check that the shingles don't appear wavy, brittle or curled. All of these can be an indication of heat build up in an attic with poor ventilation, which is fairly common in older mobile homes. If you see this on a used mobile home you're considering buying, you'll probably need to replace the shingles. Also, be sure to check the roof for sagging, as this may indicate that there is rotten wood in the roof support.

Got a Metal Roof? Check for Rust
Just like the famous "Love Shack" song by the B52's, if the "tin roof rusted," this means the mobile home has a metal roof that was not properly sealed. Sealing on a metal manufactured home roof should be done every twelve to eighteen months.

Step on Floors to Check for Soft Spots
Many used mobile homes, particularly older ones, have particle-board flooring. When these floors sustain significant water damage, they become soft and sponge-like. This can cause them to warp or even rot. Step on the floors throughout the home to look for any soft spots, especially in the bathrooms. Pay particular attention to the floor around a toilet; that area can be problematic because of condensation and toilet clogs.

Avoid Polybutylene Piping
If the plumbing in the home is gray, blue or black and 1/2" to 1" in diameter, have a licensed plumber confirm whether or not it is polybutylene piping. Many older mobile homes have poly piping, which was once used extensively because of its low cost and easy installation. However, the piping has been the source of many leaks (and lawsuits). Not only does the piping itself break down over time, the clamps that are used as tees, elbows and couplings tend to leak as well. You will want to have this plumbing replaced as the home will be difficult to sell or insure with such a high risk.

Check Window Sealant
Check the plastic beading around the windows. UV rays cause the beading to become brittle over time, allowing moisture to come into the mobile home. Hail or a small tree falling near the window can also crack the beading. If the beading is worn or cracked, you will likely need to reseal the windows.
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How to Get the Best Out of Your Home Insurance Quotes

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For the best take on the home insurance options available to you, a home insurance guide and an online home insurance quote can be two of your best sources. There is no denying the importance of insurance coverage for your home. Today, millions of Americans rely on insurance policies for coverage in the event of accidents beyond their control.

When it comes to getting the best home insurance rates, much of it will depend on the services you require and the amount of research you put into finding the right insurance provider. This will mean choosing the best policy provider that is suited to your needs. Most of the time, people purchase insurance policies without paying attention to the terms of the company or considering the offers of other insurance houses. Unsurprisingly, price is always an important issue with most home owners willing to settle for lower prices at the cost of quality and service. The general idea is that for the best services, you will have to pay the highest rates.

However, this does not always have to be the case. There are many steps that you can take which will reduce your insurance rates. You can, for instance, ask your insurance companies if there are discount options which are available to you. Insurance houses sometimes offer discounts to homes that are equipped with modern and highly efficient alarm systems. The area you live in will also factor into how high your premium rates are. Areas that are plagued with high crime rates will call for an increased insurance rate. As will metropolitan areas that have high population densities.

Your payment plan will also affect how much you can save. By opting to pay higher deductibles, you can reduce a percentage of your rates. Most insurance houses offer percentage costs for home insurance rates that are paid per quarter.

But before engaging in all these with your insurance provider, it pays to start off with the best company. Instead of just settling with any insurance house, do some research and find out which choice is best suited to you.

This is where home insurance quotes come in. Websites that offer these quotes provide you with the opportunity to compare various prices and service offers of the insurance companies that are available to you. Most of these companies will send you a price quote upon request alongside the terms and areas covered. You will then be able to go over the various offers and choose the category that best meets your needs.

Ultimately, with the opportunities provided by home insurance quotes, you can guarantee better coverage for yourself, in more ways than one.


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10 Budgeting Tips for Wedding Decorations

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Trying to manage the budget for your wedding? It might be a great idea to cut down on decorations. Wedding decorations convey the atmosphere of the wedding and add the 'you' element in your big day since they reflect your personal preferences. This does not change when trying to budget your decorations since the idea of do-it-yourself is a major forerunner when thinking of a budget wedding. And it is easy to guess why. Because there are quite some things you can make yourself and save a lot of money that you can use elsewhere.

Here are 10 tips for wedding decorations on a budget. With a little creativity, you can still manage to pull a very stylish and beautiful wedding celebration.

1. Location

Choosing the venue has much to do with how much you will need to spend on your wedding decorations. Pick a special wedding venue. This will be the background of your big day and if you choose smartly, it will save you a lot of decoration costs. Think of outside locations such as the beach, a garden or a forest. Here, you will not need much decoration. An indoor venue, on the other hand, will require a lot of effort to do up.

2. Do it yourself

DIY decorations, although time-consuming, are the cheapest. Invite your bridesmaids out for an afternoon of tinkering and make your own centerpieces, place cards, wreaths, wall decorations, wedding favors, guest books etc. Opt for decorations involving faux flowers or craft material other than fresh flowers as these will need to be made well in advance if you will consider making them yourself. This effort saves a lot of money and makes your wedding site more personal.

3. Keep it Simple

Less is more, especially when you are looking to achieve an elegant look. You do not have to do much to dress a place beautifully. Fill a wine glass with water and a floating candle, sprinkle some confetti and rose petals on the tables or clean a soda bottle and place a beautiful single flower into it. A gerbera or calla is a beautiful flower to use single. Skip the expensive and elaborate floral centerpieces. The combined colors of the floating candle, confetti and flowers will give an equally stunning look.

4. Flowers

The cost of flowers will explode higher than you can expect. Save money by making the corsages yourself and replace the bridesmaids' bouquets with a large single bloom mixed with foliage. Check your own garden or that of your parents or other close family members and friends to see which flowers you can find that suit the purpose. You will be surprised at the choices. Don't be afraid to make a non-traditional choice and be different. If it pleases you, it will look good. Consider the flowing ivy or you might fancy the classy rose bush, perhaps. Gather what you can find and bunch into something you will love to carry or decorate with.

You must also consider the season when you are getting married. Ask your florist for seasonal flowers. Flowers are mostly expensive in winter compared to summer.

5. Holidays

An important tip is to avoid holidays. Flowers are super expensive around Valentine's Day and Mother's Day. A great time to shop for decorations on a discount is just after Christmas. The sale after the holidays is a perfect time to start storing for your oncoming wedding!

6. Fruits

Ever gave the combination of fruits and decorations a thought? This produces the most beautiful color combinations. Think bright green apples in large vases on a pristine white tablecloth. Or you could place fall pumpkins on the tables. Choose bright colored fruits of the season and cut costs.

7. Candles

Candles lend the atmosphere a warm touch in dim light and are beautiful to use as decoration. Moreover, they are much cheaper than flowers. Look for candles in your choice of sizes, shapes, colors and fragrances. Use feathers or some foliage to accent the candles and create elegant table decorations.

8. Styling

Think like an expert stylist who uses everyday things to create glossy magazine layouts that you love to ogle at. Use inexpensive materials to dress a room. For example, linen cloth in solid colors, balloons and ribbons. Use linen to cover tables and create swags to add drama. Tie ribbons to the balloons and let them float to the ceiling. Fill jars with different kinds of candy or bake cakes themselves. This one is an eye-catcher!

9. Recycle

Make a trip to the attic and get together all the treasures you manage to find. Clocks, books, lamps, chandeliers, picture frames, old jewelry. You can use all of these creatively at your wedding venue. Give that old iron cage a paint job and use it to hold cash gifts and cards. The glass icicles from an old chandelier can be used with flower arrangements etc.

10. Research

Gather as much information about how to budget your wedding decorations responsibly. Ask around your friends and enlist creative help of family members. Research books, magazines and the internet and you will have at your fingertips hundreds of creative ideas to style your wedding for less.


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Wedding Reception Decorations - Guidelines To Follow

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Before you decide on your wedding reception decorations, you're going to have to do some planning. Here are some ideas to get you started.

Does your wedding have a theme? Themed weddings can be a lot of fun for everyone involved. Some popular themes are black & white, Valentine's Day, garden party, country & western, beach and medieval.

What's your budget and how many people are you expecting? The number of guests and the amount of money you have to spend will have a big impact on how extravagant your decorations will be. Keep in mind that while table decorations and favors seem inexpensive, the totals add up quickly when you have a large number of guests.

Where are you holding your reception? Your choice of venue will have a lot to do with deciding on your decorations. A country club wedding will be decorated much differently than a beach side barbecue.

If you decide not to use a theme for your wedding, you'll need to choose a color or two to focus on. Many brides find floral catalogs inspiring or you might want to browse through wedding magazines and take note of the color combinations that catch your eye.

Here's an example of how one bride decorated for her informal Valentine's Day wedding. The reception was held in a large Victorian home. The dining area was decorated with bouquets of red heart-shaped mylar balloons with alternating red and white ribbons. The balloons were held in place with a weighted base covered in metallic red tissue paper.

On the walls were dried flower arrangements purchased from a garden catalog. What's so lovely about this idea is the bride was able to keep the decorations after the wedding and use them in her new home.

A friend of mine helped a bride put together her very low budget wedding reception in a small Mexican restaurant. They started with white and peach paper tablecloths to cover the tables. Then they added a clear glass bowl in the center of each table with 4 or 5 peach floating candles. The effect was really pretty.

Another fun addition to this reception was the disposable camera that was placed on each table. The idea was for the guests to use the camera to take candid shots and then leave the camera on the table at the end of the evening. Once they returned from their honeymoon, the bride and groom had a great time looking through all the casual photos their friends and family had taken.

Many of the items you need to decorate can be found at discount stores, craft stores and online. Once you decide on your theme and your colors, you're ready to go. Plan it out in advance and your wedding reception decorations will be fantastic!

Melinda Barton is an Internationally recognized wedding planner and author of the book Wedding Planning Secrets. She has given several TV and radio appearances and is passionate about helping everyone succeed in their desire to have the best wedding through simple and easy to use wedding planning secrets.


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Decorating a Wedding With Greenery

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Every bride envisions her wedding beautifully decorated. Sometimes we get so focused on flowers, that other decorating possibilities may be overlooked. Pretty greenery can be an elegant and affordable addition to your floral accents at the ceremony and reception. Take a look at these ideas for decorating a wedding with greenery.
Wreaths can be a lovely addition to any style of wedding. While your mind might jump to an evergreen Christmas wreath, there are plenty of other types of greens to use for wedding wreaths all year round. Aromatic eucalyptus leaves, fragrant herbs, classic boxwood, laurel leaves, and large magnolia leaves are just some of the materials that can be used to create elegant non-holiday wedding wreaths. A round wreath is always lovely, especially because the eternity symbolized by a circle is very appropriate for a wedding. Other specialty shapes can also be very appealing, such as a contemporary square wreath (especially nice in boxwood) or a romantic heart shaped wreath.
Garlands have many uses when decorating a wedding. Simple green garlands look elegant wrapping the poles of an arbor for an outdoor ceremony. Top with an ethereal sheer white cloth for a clean yet romantic altar decoration. If you like the sparkle of chandeliers and crystal wedding jewelry, dot your garland with large teardrop shaped crystals to catch the sunlight and sparkle. Green garlands look marvelous draped over the doorway of a country church, a rustic old barn, or your own front door for a wedding at home. If having a traditional long head table, a garland of greenery can be swagged across the front of the table. Add some flowers to the greens if you wish, such as pink roses.
One great looking wedding decoration are initials made from greens. Various types of moss are an especially popular material for this type of decor. You can either have one monogram letter made featuring the initial for the couple's last name (more appropriate for the reception after the bride and groom have become a family) or a single initial representing the bride's first name with a second one for the groom. Hang your custom initials on the church or reception doors, on the backs of the bride and groom's chairs at the dinner table, or even on a tree for an outdoor wedding. Pick a pretty ribbon to suspend the initials, such as a yellow gingham for a country wedding or a silver satin if the bride is wearing a formal dress with crystal bridal jewelry.
Greenery can also be a lovely centerpiece in and of itself. A trio of moss globes perched atop stone garden urns is simple but elegant for either an indoor or outdoor wedding. Topiaries are a charming wedding centerpiece, and can be handmade, ordered from a florist, or rented from a design company. A topiary can easily be personalized with the addition of a ribbon in the wedding color, adding tiny spray roses, inserting crystal pins, or even pretty faux butterflies.
Another idea for sprucing up your wedding with greenery is to wrap it around decorative elements like candelabras or hurricane lanterns. Myrtle, ivy, or pine greens would be lovely accents, whether your wedding is formal or casual. Without a doubt, greenery is an affordable way to add style to any wedding.

 
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