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How a Home Generator Can Benefit You

Posted by cafe online

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

Posted by cafe online

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

Posted by cafe online

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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