I Found a Bargain at an Estate Sale

I really like this new thing that I found the other day. I was at an estate sale and they had one of these adjustable beds. I was interested in getting a new bed, since the mattress that I have in my bed is old and lumpy. Of course a new mattress is a big expense and when I looked at this bed I realized that it had not been used much at all. That was pretty obvious from looking at it and the person running the sale told me that it had been bought, but that it had only been lightly used since the woman had been in and out of the hospital and then she had then been sent to a nursing home. I did not get the whole story, but I could look at the bed and see that it was almost new and had not really been used. Continue reading

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How to Save Money on Your Energy Bills

The cost of energy has been rising at an alarming rate in recent years leaving many of us using a large chunk of our monthly incoming just to pay for our utilities. As a result of the increased cost, we have been searching for ways in which we can drive down the price of our monthly energy bills and have managed to cut ours by around 20% by just changing a few things and adapting to the environment, and you can too. If you like the idea of a reduction in your energy bills then check out these top tips to help cut them down.

Make Some Calls

The first thing that you need to do is get on the phone with all of your providers, very often, energy companies will have new rates, new offers and promotions which of course, they aren’t going to tell you about. If you want to make a start with getting your bills down then simply give your suppliers a ring and see if they have a better deal for you. You should also ask them to review your usage as very often you are paying prices based on estimates, you may find that you are paying too much.

Lay Down Some Rules

Get some rules printed and put them up around the home to remind everyone that they need to save energy. You just need to put simple things on the last which can make a big difference, but are also very easy to forget. Switching lights off to save electric, closing doors to keep the heat in, or the cold out, putting on extra clothing if it is warm, things like this can have a big impact on your energy costs and a written reminder is the best way to let everyone know.

Switch to Solar

More and more homes are having solar panels installed to cut down on their electricity bills. You will have to pay for the initial installation of your solar panels but in no time at all they will be paying your back with interest. Not only does creating your own energy through the use of the sun save your energy bills, it is also far better for the environment.

Take More Showers

When it comes to washing yourself, you should be aiming to avoid baths altogether and opt instead for a shower. Showers use over 50% less water than a bath and just switching this simple thing can help to bring down your water bill.

Check For Leaks

Leaks cost you money, a leaking tap or pipe can mean that your water usage goes up and you end up paying for water that you are not even using. Even a small leak can cost you a great deal of money and it is well worth checking every now and agin on the piping system in your home to make sure that you son’t have any leaks.

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Great Tips For Your Guest House Plans

It does not matter why you want to add a guest house to your property. Some people want some extra living space while others want to rent it out to make some residual income. No matter the case, this is a project that is quite large. According to specialists at https://www.theluxuryteam.com, the toughest part of the process is planning for the guest house. Because of this, here are some simple tips that you can take into account right now.

Location First

The guest house needs to be private and accessible at the same time. Surveyors are going to easily show you various locations that can be considered right on your property. The location you select is one where guests would easily walk to and from the main home and it is important to have enough room left to park the car. Hedges should be placed between guest houses and the home so that the necessary privacy becomes reality. Not considering privacy is one of the worst things that could be considered.

Permits Second

In most parts of the world you cannot build a guest house if you do not have the necessary permits from the authorities. The problem is that regulations are different from one location to the next. It is really important to be allowed to build your guest house in the location you chose. In many cases you also need to get a plan done by an architect. If you do not have the permits, you can even go to jail if something unfortunate happens. You do not want this to happen.

Layouts

It is so easy to go overboard with the layout of a guest house since you start from scratch and you are tempted to do something outrageous. While there is always room available for creativity, it is very important to keep things as simple as possible. The home you build is not a permanent one. It is a place where family and friends are going to rest for a period of time. In most situations, architects and interior designers recommend that a main floor features an open concept with sitting rooms, dining rooms and kitchens as one room. If you go for the second floor, 2 bedrooms separated by a hallway is generally what is preferred.

Decorating

Generally speaking, one of the best tips when thinking about decorating a guest house is to keep things simple but focus on a theme. The theme will allow you to easily decorate the interior and when you keep it simple, an open concept will simply be even more impressive.

Conclusions

When you plan your guest house you have to think about various different things. The tips above can help and the general idea is to basically take the time you need to plan everything. In many situations you would be faced with things you do not know much. Use the internet to learn or if you do not have time for that, talk with an interior designer to give you a big helping hand.

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Benefits of Hiring an Insurance Claim Adjuster

Property damage claims can get very touchy. As you might expect, insurance companies will often dispute the amount of money they are being asked to pay to their policy holders. This is because insurance companies are publicly traded. This means they have a fiduciary responsibility to their shareholders to make as much profit as possible. Obviously, they will not be able to maximize their profit if they are paying out many large insurance claims. When an insurance claim dispute occurs, it is in the best interests of the policy holder to hire the services of a professional claim adjuster. Here are a few of the biggest reasons this is so essential.

1. You will be able to get a settlement for your insurance claim that you find acceptable.

You buy an insurance policy in the hopes that you will never need to use it. You hope that your home or business will never suffer damage that is serious enough to require the filing of an insurance claim. However, you are also depending on your insurance company to be there for you when you are the victim of a disaster and you need the money from your policy to rebuild your life. Unfortunately, things do not always go according to plan when a claim is filed. People are often not satisfied with the settlement they are offered. National public adjusters can help you fight the insurance company to get the money you deserve.

2. You will have the ability to reopen a past claim where you received less money than you deserved.

Another great benefit that hiring an insurance claim adjuster can give you is their ability to go back and reopen past claims that have already been closed. Many people are under the false impression that they are not able to go back and attempt to renegotiate past insurance claims. However, an insurance claim adjuster can do exactly that. He or she will be able to get you the better settlement that you should have received the first time around.

3. They know the insurance industry better than you do.

You would obviously hire an attorney if you have an upcoming court case. This is because this person has studied the law for many years. Therefore, it makes sense to have an insurance claim adjuster on your side if you have a dispute. He or she is an insurance expert and you are not.

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