08.23.2010 | 10:04 am | Home Improvement
Protecting Your Family and Home From the Dangers of Lightening
As the seasons change, so do the elements and storms we are exposed to. This time of year, hurricanes and flooding rains are major problems we face. A by-product of these mysterious weather phenomenons is lightning. A lightning storm, also known as an electrical storm, can be extremely dangerous and destroy a home with a single blow. These erratic ribbons of energy seek to find refuge by kissing the earth with a tremendous force of energy and destroying anything that may be in its path.
At any particular moment, there are over 1,800 thunderstorms in progress somewhere around the globe and 25 million bolts of lightning reach out of the sky, coming in contact with the ground, annually.
Watching a good lightning storm zigzag across the sky is an awesome visual experience. The ominous ness and the electrical displays are extraordinary to watch. But, these displays of dancing energy come with a destructive power that steals more lives and causes more damage than floods, hurricanes and tornadoes – combined.
There is a way you can help to protect your home from being destroyed by these flashes of energy. Installing a lightning protection system can provide a path for the lightning to follow into the ground and help to direct it from melting the shielding in your homes electrical system and taking out the electronics and appliances plugged into your outlets. These systems do not prevent lightning from striking nor do they attract it, but help to direct its energy out of harms way.
Lightning protection systems that meet the latest standard requirements are considered to be 99% effective by Underwriters Laboratories. These systems can be partially concealed on the exterior or completely concealed during construction.
If lightning strikes the ground, it can affect whatever is within a 60 foot radius and 10 times that area, if it strikes water and can be lethal. On average, it can strike over 50 times within a quarter-mile of your home and is the leading cause of fires in suburban and rural areas.
There are several factors to determine if your home is at risk:
1. If your home is located in an open area
2. If lightning strikes were reported or seen within close proximity
3. If your home is located in an elevated area, like a mountain.
4. If you do not have a system to safely direct the path of electricity into the ground
A Few Lightning Facts
· A lightning bolt can travel from 25 – 45 miles horizontally prior to hitting the ground and can be from 6 to 8 miles in length.
· The size of a bolt is about 1 – 2 inches in diameter with the surrounding light making it seem a lot larger.
· A single bolt of lightning can become up to 5 times the heat of the sun and carries with it 1 billion volts of current and up to 20,000 amperes.
· The Empire State Building is struck by lightning over 100 times per year.
· Most lightning strikes occurs between 12 noon and 4 PM
In homes located where sandy soil conditions are prevalent, more elaborate systems are necessary. Sand is dryer than normal soil and does not conduct electricity in the same way that moist soil does. For areas with sandy soil conditions there is a system that dissipates the energy over more of an area than the simple lightening rod, cable and clamp system.
Although the rod and cable system is easier than the more elaborate systems, for the best results and to ensure that you meet the requirements for a lower deductible and discounted premium from your insurance carrier, have a licensed professional evaluate and install the best system to protect you, your family and your home.
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08.19.2010 | 1:26 pm | Home Improvement, News
Don’t you ever wonder how you can escape from the current situation you are in right now where you cannot afford to pay for everything you own but you do not want to lose anything that you own? Do you want to stop repossession because you hate moving out and it is too much of a hassle for you to move from one home to another? Let me tell you my experience about this. I am someone who thinks that some things have sentimental values and this makes it hard for me to give some things away and the house we used to live in was my favorite and I was obsessed on getting it back so I bought it back even if I knew I will have a hard time paying for it. That was when I looked at sell and rent back the house to stop repossession.
Repossession-stoppers.com is a site that will tell you everything you need to know to prevent repossession from happening. One thing I learned from them is that when you are living in a house that is too big for you and too expensive, it is more sensible to sell the house and get something that is smaller and something that fits your budget so that you can pay for the mortgage easily and not have trouble on how to look for extra money to pay for a mortgage you really cannot afford.
Learn everything you have to know regarding repossession and the options you really have.
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07.27.2010 | 5:54 am | Home Improvement
Living on a tight budget doesn’t mean you can’t improve your home. A home improvement loan grant from the government may be the perfect solution and most American citizens are eligible to apply for one. Here are a few tips for getting a home improvement loan grant from the government that you should keep in mind.
Some home improvement loan grants are based on income level and ability to qualify for a loan. Many low income families may meet this qualification. Other grants may be based on geographical location and many times rural locations are given preferential treatment. Some home improvement loan grants require that you own your home and that you will not be selling it for a minimum of three years. Elderly home owners may qualify easily if their home needs improvements or renovations to adapt the home to a medical condition. Always read the qualifications of the grant for which you are applying to save yourself time, effort and unnecessary paperwork. You don’t want to apply for a grant if you don’t meet the basic qualifications.
Some grants require that the home improvement to be done be in a certain area of the home or that the improvement is designated to a certain aspect of the home. A valid reason must be given for the home improvement in question. Home improvement loan grants for the elderly are a good example of a valid reason to do a home improvement. Other valid reasons for receiving a home improvement loan grant may include making your home more energy efficient or to have old and dangerous construction supplies such as lead paint or asbestos removed from your home.
Find a grant for which you feel you have the best chance of qualifying. There tend to be many rules and regulations for compliance, but following those application rules to the letter will ensure you the best possible opportunity for receiving your home improvement loan grant. If you have questions concerning the application process, don’t be afraid to ask for help from the appropriate governmental agency or local government.
One useful tool is a grant guide that can be borrowed from the library or purchased from your local bookstore or through the internet. A grant guide will give detailed instructions and information about home improvement loan grants, but it will also give you ideas of other grants for which you may qualify. In order to make the most from your grant guide purchase, be sure to buy the most current copy available as they may be updated every 6 to 12 months.
These tips for getting a home improvement loan grant could have you well on your way to the home improvements you want or need to make. Although grants are free money and do not require repayment, you can’t afford to be sloppy with the application process. Attention to detail is vital. Most home improvement loan grants don’t require contracts like loan companies do, but thoughtful and careful documentation is necessary for success. Be confident, plan carefully and a home improvement loan grant could be in your future.
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