Thursday, July 31, 2008

5 Ways To Lower Your Homeowners Insurance In Santa Clarita

Santa Clarita homeowner's insurance has varying costs. These costs, or premiums, are dependent upon a number of things. These include the type of coverage you choose to carry, the amount of your deductible, and the kind of home you need to insure. Santa Clarita is located just north of Los Angeles, California, in an area prone to earthquakes and heavy rains at certain times of the year. Here are 5 tips for lowering your homeowner's insurance rates if you live in Santa Clarita.

  1. When you are purchasing a home, look closely at the location, building materials and quality of construction of the home you want. Newer homes will cost less to insure for at least the first five to seven years. In an earthquake prone area, such as Santa Clarita, choose a home with wood frame construction. This type of construction will be more likely to withstand this kind of disaster.
  2. Every year, look at your possessions. If you have expensive jewelry, furs, silver or fine art work, you are probably paying extra to insure them on a floater policy. You may no longer own these items or you may find that you do not need to insure them for as much as you currently have your homeowners policy set to cover.
  3. Purchase your homeowners insurance and automobile insurance policies from the same company. This way you will receive a discount and, also, have only one company to deal with in case of a claim.
  4. Maintain a strong credit record. Your insurance company most likely uses credit information to determine the price of your homeowners insurance policy. Check your credit record annually to be sure that the information stated is accurate.
  5. Raise your deductible limit. The deductible is the amount that you must pay before your insurance pays when you have a claim. By raising this deductible to $500 or even $1000 on your homeowners insurance you may be able to save up to 25% on your policy.
By checking with your insurance agent you will be able to discuss your individual situation and circumstances to get the best possible rate. Remember that price is not everything; the service and reputation of your agent and insurance company will mean more to you when you have a loss or claim.

To find out more about how to lower your homeowner's insurance rates go to http://www.InsuranceSantaClarita.com

5 Ways To Lower Your Homeowners Insurance In Santa Clarita

Santa Clarita homeowner's insurance has varying costs. These costs, or premiums, are dependent upon a number of things. These include the type of coverage you choose to carry, the amount of your deductible, and the kind of home you need to insure. Santa Clarita is located just north of Los Angeles, California, in an area prone to earthquakes and heavy rains at certain times of the year. Here are 5 tips for lowering your homeowner's insurance rates if you live in Santa Clarita.

  1. When you are purchasing a home, look closely at the location, building materials and quality of construction of the home you want. Newer homes will cost less to insure for at least the first five to seven years. In an earthquake prone area, such as Santa Clarita, choose a home with wood frame construction. This type of construction will be more likely to withstand this kind of disaster.
  2. Every year, look at your possessions. If you have expensive jewelry, furs, silver or fine art work, you are probably paying extra to insure them on a floater policy. You may no longer own these items or you may find that you do not need to insure them for as much as you currently have your homeowners policy set to cover.
  3. Purchase your homeowners insurance and automobile insurance policies from the same company. This way you will receive a discount and, also, have only one company to deal with in case of a claim.
  4. Maintain a strong credit record. Your insurance company most likely uses credit information to determine the price of your homeowners insurance policy. Check your credit record annually to be sure that the information stated is accurate.
  5. Raise your deductible limit. The deductible is the amount that you must pay before your insurance pays when you have a claim. By raising this deductible to $500 or even $1000 on your homeowners insurance you may be able to save up to 25% on your policy.
By checking with your insurance agent you will be able to discuss your individual situation and circumstances to get the best possible rate. Remember that price is not everything; the service and reputation of your agent and insurance company will mean more to you when you have a loss or claim.

To find out more about how to lower your homeowner's insurance rates go to http://www.InsuranceSantaClarita.com

Tuesday, July 22, 2008

Building and Remodeling Your Getaway

The cabin in the country was perfect for me and my hunting forays but was not large enough for my wife. My old cabin was comfortable but was not what my wife had envisioned as her dream house in the woods.

Retirement was still several years away and spending a lot of money on housing that would be vacant 95% of the time was not what I had envisioned. A trip to Shreveport in search of housing brought forth good results. We found a 14 x 28 foot metal building that had nothing but bare walls. The building had one large door in the front plus two front windows. There was a large garage door at one end. Obviously this building was meant to be used for a vehicle storage unit.

We made calls to the builder and asked for changes to be made to the building that was being built for us. An exact duplicate of the one we had seen on the lot but with our changes implemented was ordered. We called for the elimination of the garage door and an added window space for an air conditioner. We asked the builder to install five electrical outlets with light switches for a ceiling light.

Our wait of two months ended on the day that the builder said that the movers were ready to bring the building out to our acreage. The bull dozier and operator that I had hired to clear the trees for the installation did an inadequate job. On the third trip to our acreage the movers were finally able to gain access to the installation area.

I installed fiber glass insulation in the walls and in the ceiling area. The ceiling was very tall and required huge amounts of insulation which I installed with a staple gun. I used chicken wire to hold the insulation up in the ceiling. I added canvas cloth over the wire instead of another type of ceiling covering. I installed wood paneling in the walls. The floor was covered with padding and carpet, A partition was selected to wall off a bathroom area. A shower enclosure was installed along with the proper plumbing. A toilet was added next to this small area. The light fixture in the ceiling was exchanged for a ceiling fan with attached lighting. We installed a loft at one end of the building that could be used for storage or as extra sleeping quarters.

A weighty concrete step was added for stability at the entrance. An air conditioner was installed into the extra opening in the wall that was cut by the builder. Under the loft we have added a refrigerator and freezer. Cabinetry has been cut to accommodate the spacing available in the building. Bedding is located at one end which is surrounded by a couch with a suitable structure built for the television. The dining area is set off to one side. It includes a table with matching chairs. The walls have been decorated to suit the tastes of my wife.

Exiting the building we encounter an electrical pole with external outlets located on it. Wiring from an electrical device built to control bug populations is plugged directly into one of the outlets.

The remodeled building is located hundreds of yards away from any habitation. It is situated about fifty yards back off of the main road. This seems to be a perfect solution for a desire and dream to have a cabin located in an area of total privacy. The plans are now in the works to add a deck in front with space for a hot tub. My wife has picked a spot for our new stock tank. A pier will have to be built to accommodate the fishermen that will use it.

Our ideas are endless.

Stephen Graham-Writes articles from his own life experiences.

http://buckskinnews.blogspot.com

http://goodstuffintexas.blogspot.com

Granite Tile: Stone Cold Beauty

Granite is a decorative natural st1C84one that is truly eye-catching, delivering a unique, classy look to any interior or exterior. Granite is as durable as it is beautiful, being one of the hardest substances on earth. Also, to the question of usage and longevity, with proper care, your granite tile project can last a lifetime, transforming a foyer, a kitchen, or even in an outdoor installation (provided youve chosen a non-slip, unpolished finish) into a key feature of a property. Granite tile flooring is, in many cases, the obvious choice for those interested in any kind of natural stone tile flooring or countertops material.

The origins of granite

Granite tile is often a feature in a residence or a commercial building, not only because it is visually impressive, but because of the auspiciousness of having a flooring material which literally took ages to create! Formed deep in the earth, granite is the end result of tremendous heat and pressure applied over thousands of years. Granite is an igneous rock that is described as intrusive. That is, granite is formed when liquid magma is forced between other layers of rock, where it eventually cools and forms a layer of its own. Here, it is fused with elements such as quartz, feldspar and mica among other trace elements. The cooling process is slow, the new layer of rock being shielded by the layers above and below where the molten magma had been forced. The mineral elements which have become suspended in the cooling magma define the crystalline appearance of this unique natural stone. Due to its harsh origins and the lengthy process that suspends so many stabilizing elements within it, granite is an incredibly hard surface. This is material you can trust for durability!

Granite at the Quarry

Once the raw granite has been removed from its bed, first stage in processing granite for the purposes of flooring or countertop slabs is cutting the larger chunks of granite into manageable blocks. These blocks of granite are then further cut to size for use as both slabs and tiles by means of wire saws which are treated with various kinds of durable abrasives, such as sand, aluminum oxide, and diamond. These saws are most commonly used with water as a coolant. Sometimes, high-pressure water jets are used to cut the granite in tandem with the more traditional wire saws. Once the cutting process has been completed, the granite undergoes three processes that make them recognizable as tile flooring or countertop slabs. They are polished on one side, calibrated and gauged. These latter two terms refer to the process of making the back of each tile or slab as even as possible, and the edges as square as possible respectively. Once completed, the granite tile or slab is ready to be shipped to site, ready for your installation.

Popular uses for granite tile for flooring and countertops

Granite tile, being a very versatile material, can be installed in a great many locations in a residential or commercial project. Some of the more popular uses of granite are halls and foyers. Because of their decorative appearance, the popularity of granite tile in these areas is far from surprising. Granite tile helps to create an ambience of professionalism, strength, and permanence when placed in the foyers and halls of an office building. In the home, a granite tile floor can make all the difference in creating a space that is characterized by a singular, refined beauty that complements the surrounding dcor.

Further to this, granite tiles and slabs make a great countertop surfaces. Granite tiles are commonly used as highly suitable backsplashes that can add just the right accent to a kitchen installation. For an outdoor installation, on a terrace for instance, or a walkway, unpolished granite tile can add similar visual accent to a property as well as overall value. If you have leftover granite tile pieces after your installation is complete, granite tile can be cut to size and serve as cutting boards, coasters, fireplace surrounds, and a number of other uses limited only be your imagination and sense of practicality.

Caring for granite tile flooring and countertops

Given the hardness of granite, and the harsh origins that make it extremely resistant to certain types of wear, many of the things you would have to worry about with a lesser material is simply not an issue. For instance, many people choose granite for kitchen countertops and flooring because granite tile and slabs are highly resistant to abrasion caused by cutlery. Granite is also extremely heat-resistant, making it a worry-free countertop solution when it comes to hot pots and plates placed directly on its surface.

However, despite how durable granite tile is, it does require your attention in terms of care. One of the first things to consider is the application of an appropriate sealant. The choice of sealant may be determined by the variety of granite tile youve chosen to install, and where youve chosen to install it. Generally, a sealant is required to protect your granite tile from moisture, which is the most insidious enemy of any building material. As to the specific brands and varieties, talk to your local retailer or flooring expert about which one is the most effective choice with regard to your specific choice in granite tile.

Many of the other approaches to caring for your granite tile come down to common sense; clean up spills right away, keep your granite tile free of dirt and grit that can scratch the polish, and see about which types of cleaners and polishes are most appropriate to granite tile. Also, consider what you are prepared to do to maintain your granite tile surface. A level of commitment is needed in order to keep the sheen of the polished granite tile the same as it is when you first lay it down.

Granite: All this and brains too!

Granite tile and slabs are both a decorative and practical choice, making your choice of granite both a stylish and smart one indeed! Due to its hardness, its resistance to heat and other forms of stress, as well as the versatility which is offered by granite tile, you are making an investment that will add value to your property and one which will be the source of a tremendous pride of ownership. The production of granite has been millions of years in the making, made by the greatest manufacturer there is the earth itself. For a lasting durability designed by nature that is stone cold gorgeous too, granite may be the best idea youve ever had!

Granite Tile Dos and Donts

Here are a few things to think about when you are considering granite tile for your project:

Do:

  • Consider the area where you intend to install granite tile. Make sure that factors such as moisture levels, foot traffic, and slip resistance are carefully considered. Consider what type of surface is the best polished, honed, or brushed (AKA flamed) are popular varieties in granite tile, each better suited to certain areas than others. Polished granite is great for countertops and low traffic areas, but often becomes slippery when wet. Honed flooring is more all-purpose, but may 5B4be considered less decorative by some. Brushed or flamed granite tile is most commonly used outdoors
  • Read all warranty information before purchase
  • Look into hiring a flooring tile professional to help you as working with granite can be very strenuous, due to its weight particularly. When in doubt, its always best to get experienced help
  • Inspect the whole batch before beginning an installation for possible breakage and any other issues, and consult your terms and conditions as to how to see about compensation, if any
  • Expect color variations in your batch of granite tile. Remember, granite is a natural material. Use these natural color variations found in your batch to your advantage. Get as creative with your layout as you can
  • Lay out all of your granite tiles in a dry run before applying mortar or other chosen adhesive agent.
  • Choose a sealant that best suits your choice in granite tile. Ask your sales rep or flooring professional about specific varieties and brand names
  • Initiate a cleaning and maintenance regimen; choose the appropriate cleaners and polishes based on experienced advice in order to make sure your granite tile retains all of its natural beauty
  • Dont:

  • Install granite tile on an uneven, dirty or wet subfloor
  • Leave spills to sit on your granite tile flooring or counter9ADtops. It is important to avoid excessive moisture as this is what contributes to the wear of any building material. Also, liquids with an acid base are often culprits of stubborn stains
  • Allow dirt and grit to remain on the surface of your granite tile. These elements can affect the finish over time and take away from the natural beauty of granite
  • Use acid-based cleaners or other agents on your granite tile. This can be a major source of wear on your tile, cause stains to become permanent, and dull the finish as well. Avoid using any product your no sure about
  • Forget to thoroughly rinse your granite tile once youve used a recommended cleaner, or forget to change dirty water or solution which you are using to clean the tile
  • Use scouring powders, steel wool, or other abrasive materials to remove stains from your granite tile
  • Obviously this is not a complete list. Once again, one of the best courses of action to take to ensure that granite tile is the right choice for a flooring or countertop solution is to consult with the experts. This way, you are benefiting from years of experience which will allow you to avoid costly mistakes. It will also help to make sure that your granite tile will be as attractive and long lasting as it is meant to be with you as its best ally!

    Rob Jones is Communications Coordinator with BuildDirect, a leading online wholesaler of building products. Rob writes articles for commercial contractors and DIYers on features, installation, and maintenance of building materials used in commercial and residential projects. These articles focus on materials such as flooring, decking, roofing, and siding, and other related topics.

    Custom Bathroom Vanities - Adding Beauty & Value to Your Home

    Custom bathroom vanities are a great way to add value to your house or the house you are remodeling. These are not vanities that you will find in your neighbors homes nor will you find them at your local home improvement superstore. It used to be that custom vanities were exactly that... custom made for each situation. They were designed specifically for you and according to the requirements you set forth. With more and more products being made in China, they have even started importing Decorative or Custom Bathroom Cabinets that come completely assembled, with the vanity top, sink bowl, hardware, and matching mirror(s).

    So Why Should you Consider a Custom Bathroom Vanity?

    The are many reasons why they could be right for your project, but most importantly would be resale value. Buyers like the idea of getting a great bargain for their money and are often eager to buy a home that has custom cabinetry in the kitchen or bath that is unique to that house. With all of the mass produced neighborhoods popping up, homeowners are looking for ways to differentiate their homes from those of their neighbors. Because of this, it is very rare that you won't recoup your investment when you go to sell your house.

    There are many things that make custom cabinetry and vanities appealing to many different people but one of the most easy to identify is the quality of not only the workmanship involved but also the craftsmanship. It shows when you have custom cabinets and buyers will recognize that 'pride of ownership' and experience less apprehension when buying from you, particularly if you've taken great care of your woodwork. With higher quality materials, and more attention to detail, I decorative bathroom vanity will hold up much longer to the wear and tear of your family.

    The best reason for making the investment in a custom bathroom vanity is for your personal enjoyment. The bathroom is where we usually start and end our day. With more and more people trying to turn their bathroom into a spa environment, it only makes sense to carry that feeling over to the vanity that you install.

    A custom made vanity is not only about appearance but should also meet your requirements for functionality. Everything seems to work better when it has its own place and is put back into that place. A good custom vanity will have a spot for all your morning bathroom routine needs.

    Where can you find a decorative bathroom furniture vanity?

    Even with th9F6e increase in popularity, custom pieces are still hard to find. Since they are not mass produced, you won't find custom vanities gracing the aisles of your local home improvement stores. As I mentioned before, you can find some manufacturers and importers online by searching for decorative bathroom vanities or custom bathroom vanities, but even the search engines have a hard time finding all of the companies that are available because of the lack of traffic they generate. Searching for local carpenters is another way to go, but be prepared to pay a lot for your custom project and be ready for a long lead time.

    Most of us have a good idea of what we like when it comes to design features and looks but have very little knowledge of the actual physics involved in getting the look and functionality we desire. Searching on-line is a great way to find samples or pictures of what bathroom vanity you would like to have for your bathroom. It will also give you an idea of what styles each manufacturer or carpenter specialize in.

    A custom bathroom vanity or a piece of decorative bathroom furniture can not only add value to your home, but also create a unique focal point for your oasis. By having a good idea of what you are looking for, doing some research on-line, and narrowing down the manufacturers and carpenters that specialize in what you are looking for, you will be able to build the custom bathroom of your dreams.

    I have been remodeling houses for over 15 years, and I have found a way to save hundreds on each bathroom that I remodel. If you are looking for a High End Bathroom Vanity , Euro Vanity, or RTA Bathroom Vanity check out one of these links to find out my secret.

    Sunday, July 20, 2008

    Installing Ceramic Tile in a Shower

    Installing ceramic tile in a shower starts with a proper Foundation. The Foundation consists of WonderBoard or Durock cement board on the walls and a Shower Pan Membrane Liner in the shower floor, if the shower floor is to be tiled too.

    WonderBoard or Durock cement board, also known as backerboard, are resistant to water and are ideal materials for applying ceramic tiles to high-moisture areas. Durock can be applied directly to wall studs and ceiling joists using hot-dipped galvanized nails or galvanized wood screws.

    Thin-set or an adhesive mortar can be applied directly on the WonderBoard or Durock cement board for attaching the ceramic tiles. However, fiberglass mesh tape should be applied over all seams and smoothed out with a latex thin-set prior to the application of ceramic tiles.

    If ceramic tile is desired on the floor of the shower as well, then a shower pan membrane liner should be installed prior to the installation of the WonderBoard or Durock cement board. The shower pan membrane liner is used to ensure a leak-proof shower. Shower pan membrane liners are used to funnel any water that seeps through the floor or wall grout to the shower drain below. The shower pan membrane liner is made up of a flexible type of plastic material that sits below a bed of mortar, and the tile, in the shower floor area.

    Prior to installing the shower pan membrane liner, the floor of the shower needs to be pre-sloped to ensure that the water will flow towards the shower drain assembly. The pre-slope is accomplished by applying a layer of mortar to the floor of the shower unit area. The layer of mortar is troweled in such as way as to create a gentle slope from the shower wall edges to the center of the shower where the drain resides.

    Once the pre-slope mortar has cured, the flexible shower pan membrane liner can then be installed. There are a couple of types of shower pan membrane liners on the market, with each having their own benefits. With either type of membrane, the homeowner needs to form and fold the material into the base of the shower area and secure it to the sides of the shower wall frame with staples and/or nails. In addition, an opening in the membrane should be cut out to allow the adjustable shower drain assembly to slip through.

    With the shower pan membrane installed, the cementitious ceramic tile backerboard can then be secured to the framed shower walls. The backerboard is a rigid material that is ideal for attaching tile in wet areas such as a shower stall.

    After installing the ceramic tile backerboard, a final coat of mortar needs to be applied on top of the shower pan membrane to protect it and to provide a solid base for laying the ceramic floor tile.

    With the final coat of mortar cured, the ceramic tile can then be installed in the shower.

    Once the tile and grout have been installed, the shower drain assembly should be adjusted so that the drain height sits flush with the finished ceramic tile floor.

    For more information on installing a shower pan membrane liner, see the Shower Pan Membrane Liner Installation EBook from HomeAdditionPlus.com. The Shower Pan Membrane Liner EBook will quickly teach you the step-by-step process for installing the shower pan membrane liner correctly. It includes instructions on framing the shower stall, pouring the pre-slope and shower base mortar, and installing the shower pan membrane liner.

    Over the past 20+ years Mark Donovan has been involved with building homes and additions to homes. His projects have included: building a vacation home, building additions and garages on to existing homes, and finishing unfinished homes. For more home improvement information visit http://www.homeadditionplus.com and http://www.homeaddition.blogspot.com

    Tuesday, July 15, 2008

    Works for the Workshop

    The workshop is a great place for reusing items formally destined for the landfill. Even if you do not have a shop or craft area you can always donate the items mentioned in the following paragraphs to friends, schools, shops, youth centers The concept of reusing is as limitless as your imagination.

    Screws, bolts, picture hooks, plant hangers, curtain hooks, and hinges are common hardware items used in most homes. Although not overly costly when purchased a few pieces at a time, they can add up over the years. Salvage any reusable hardware and parts from old cabinets, furniture or mechanical items before discarding. These can easily be organized and stored in plastic containers of different sizes. Shop with this in mind and purchase items like peanut butter or mayonnaise in clear plastic containers.

    These are our favorite as they are recyclable, sturdy and you can easily determine the jars contents at a glance. When buying screws and bolts avoid the small plastic packages and try to find a store that sells these items out of bulk bins. You save money and packaging too.

    Strong plastic jugs from juice, milk, o5B4r detergents make excellent storage containers for tools, rags or parts in the workshop. At a section near the top of the jug remove all but a flap of plastic to attach it to a wall or post. Any rough spots can be filed off or covered with tape. Drill a few holes in the bottom for drainage and use in the same way outside in the garden and for storing clothespins.

    Any clothing or towels too ragged to donate to a thrift store still have value. Cut the material into squares of different sizes to use as cleanup rags. Many garages, cabinet shops and backyard mechanics will gratefully accept excess rags. Sewing groups would gladly accept the buttons and zippers gleaned from the clothing. Childrens programs and daycare centers also use buttons for crafts.

    Small household appliances that are no longer working can be salvaged for parts. If you are not familiar with this type of operation dont attempt it - you can always donate them to handymen types that you may know, or appliance repair classes in your community. Handles from pots and pans can come in handy for fashioning custom tools, or they can be used to make a storage box easy to carry. Old utensils can be bent and made into various picks and scrapers.

    The workshop can become a veritable stew pot of reuse ideas. As it is not a place commonly viewed by guests or neighbors it will not matter so much if the look is compromise492d by the reused items. Of course, the most important thing is the fact that you are reducing your landfill contribution by taking the matter into your own hands and making a difference!

    Written by Dave and Lillian Brummet based on the concept of their book, Trash Talk. The book offers useful solutions for the individual to reduce waste and better manage resources. A guide for anyone concerned about their impact on the environment. (http://www.sunshinecable.com/)