Thursday, November 26, 2015

Has Flood Zone Remapping Reduced The Value Of Your Property?

The flood zone designation in which your property has been placed is one of the most important factors influencing its value. The Federal Emergency Management Agency's 2013 nationwide revision of flood maps, which raised the Base Flood Elevation by an additional two or more feet, has had a significant adverse effect on property values all over the country.

If remapping now shows your property in a Special Flood Hazard Area (SFHA), a property assessment will almost certainly show a reduction in value. An SFHA designation also means you may have to purchase costly flood insurance; properties with federally insured mortgages or equity lines are required by law to have FEMA-provided insurance, which can cost up to $4,000 or more per year. In fact in many cases the cost of mandated flood insurance is actually greater than the amount of local real estate tax on the property.

In addition, if the town or city in which your property is located is participating in FEMA's National Flood Insurance Program, you will be subject to laws and ordinances that may curtail or prevent any major construction or improvements to your property.

If you believe your property has been incorrectly remapped into an SFHA designation, your only option for relief is to submit a Letter Of Map Amendment, or LOMA, to FEMA. A LOMA reestablishes a property’s location and elevation on the Flood Insurance Rate Map, and a successful LOMA can not only restore your property's value, it can result in recouping the cost of insurance that your paid while your property was incorrectly designated as being in an SFHA.

The LOMA process starts with submitting an application that includes the property's Elevation Certificate (EC) along with the deed to your property and a property map. LOMA application is a complex procedure that can be overwhelming for a property owner, but help is available through qualified remapping assistance firms like Flood Zone Mitigations. Working with an experienced remapping specialist firm is a major step toward a successful LOMA, minimizing the potential for errors and omissions that could have negative consequences; the firm will review your EC, deed, property map, and site information, prepare and submit your LOMA, and can even help you recover insurance premiums paid while your property was incorrectly mapped.


Monday, November 9, 2015

Where to Buy a Quality Pump

Pumps are devices that are incredibly useful. They impact human lives in so many ways. They are used in a wide range of industries. Pumps also have many uses around a home. It is not until they stop working that people stop to consider how important pumps are to their way of life. Do you need to buy a new pump for your home or business? There are numerous places where you could choose to do your shopping. How can you tell the good pump manufacturers from the bad ones? Here are some tips that will help you when you are trying to figure out where to buy a quality pump. 

1. Standard of service

When a company has a very high standard of service, it basically means that they will do everything they can to keep their customers satisfied. This is a rare thing in the day and age we are currently living in. However, companies that fit this description still exist in this world. It just takes a little longer to find them than it used to. You want to deal with a reputable and friendly company when you purchase your pump. Anything less than that is unacceptable. 

2. Selection is king

Ideally, you should avoid pump retailers that do not have a large selection in stock. You don't want to be forced to do your shopping at multiple stores to find exactly what you need. Therefore, seek out pump stores that have an enormous inventory that you can browse. Master Pumps & Power has more than 8,000 pumps in stock. They are a great place to buy bilge pumps and many other varieties of pumps. You can learn more about this company by visiting 

3. Prices and shipping

Pumps can be quite costly. Of course, this all depends on what type of pump you are going to buy. You owe it to yourself to spend some of your time looking at many different pump stores online. Check the prices that are offered to see if you can find some amazing deals out there. You have nothing to lose if you do this. There are some very important things to remember when it comes to the cost of shipping your pump to you. Do not allow yourself to be overcharged for shipping. Make sure that the shipping fee is fair for the method the store is going to use.


Sunday, November 8, 2015

Three Ways to Maintain Your Weight This Holiday Season

The holidays are the toughest time when it comes to maintaining the great figure you worked for all summer.

Cut Down on Empty Calories

The fastest way to bloat up and put on pounds during the holidays is by overdoing it on the empty calories. Empty calories are calories that you don't really need to stay full and are often things that you don't even notice. Examples of these types of calories include overloading on the condiments (think sauces and gravy, for example), drinking sugary drinks and juices, and snacking on all of those leftovers. By being aware of these calories, you can make a conscious effort not to eat them or to substitute high-calorie items for better options. When making your holiday cocktail, try substituting calorie-filled mixers with low carb alcoholic mixers as an alternative. Vling is one example of a mixer which is both low in carbs and calories, helping you to stay hydrated and maintain your weight at all of your holiday parties.

Drink Lots of Water

Have a dedicated water bottle on hand from Halloween through Christmas. Be sure to keep filling it up and drink throughout the day. This habit will help you to stay hydrated, ensuring that you eat and bloat less from all of the salt and sugar-filled holiday treats. Drinking a lot of water while eating is also a great way to stay full and overeat less. Not only will staying hydrated help to maintain your weight, but it will keep your skin looking great throughout the holidays.

Don't Forget to Keep Moving

One of the worst things that you can do for your health during the holiday season is to get lazy about exercise. Not only will staying physically active help to reduce holiday weight gain, but it will help reduce the stress that comes along with this crazy time of year. As you get busier and busier, you may not have time to get your regular workouts in, so you may have to get creative. Take a few extra laps around the mall when you are doing your holiday shopping or make a commitment to wake up 30 minutes earlier each day to do a quick workout video. Also, try to take a walk after big meals. This will help with digestion and help fight off the feeling of exhaustion that comes after eating.


Tuesday, November 3, 2015

Organizers for the Kitchen

It’s fun arranging and setting up furniture in the house especially during weekends when everyone is there to suggest their ideas. Even my kids have their own creative ideas on how to make our house more beautiful and their fresh concepts seem to adapt to our half-renovated living and dining room. After my daughter’s debut we didn’t changed much of our home design because we love the carefree and spacious design we did in her birthday celebration. With the baby yellow paint all over the walls of our house our home suddenly becomes so bright, happy-looking and cheerful. 

Now we’re thinking of putting some perky ideas on the kitchen with the thought of adding up cupboards and built-in cabinets to control the messy small items. I’ve consulted my brother and suggested that I get some inputs from the drawer slide guide here so I can choose what type I want for my kitchen. Well upon seeing those nicely-customized slide drawers I finally plotted my renovation plan on our kitchen.


Wednesday, October 28, 2015

Loft Playroom for Two Bedrooms

I love seeing home designs that shows great creativity and economy in saving space and money.  Since modern homes now don't have much space for all the things you want to put in your house this loft playroom for the kids' bedrooms is really a smart idea.  This way both the kids can enjoy the playroom anytime. This loft playroom is accessible from two children's bedrooms making it very convenient for the boys staying in the adjacent rooms.  I really love this wise idea and this is perfect for family with two kids or more.  This can also be a good chance for the kids to have their playing and bonding moments.


Friday, October 23, 2015

Five Helpful Suggestions for Selecting a Folding Walker for Seniors

There are many folding walkers for the elderly that offer a sensible way to help your loved ones improve their mobility. Here are five helpful suggestions for choosing a folding walker that can help you choose a high-quality folding walker for your elderly loved ones intelligently: 

Choose a Height
Folding walkers are available in various heights that typically range between 30-42 inches. Choosing a height that is suitable for your elderly loved one is simple because most manufacturers of folding walkers list information about their products' heights that is easy to compare.

Look for a Trigger Release
Many folding walkers have trigger releases that allow users to fold their walkers quickly and safely. Choosing a walker that has these releases is worthwhile because it can prevent users' hands from being pinched while they fold their walkers.

Look for a Lightweight Aluminum frame
Many high-quality folding walkers are constructed using lightweight aluminum frames that are designed to be durable without sacrificing a user's ability to push the walker safely. Choosing these frames for your walker is recommended because they offer a durable design that is easy for most elderly people to use.

Search for Folding Walkers That Have Wheels
Most folding walkers have wheels that are designed to allow users to push their walkers safely with minimum effort. Searching for folding walkers that have wheels is a great idea because it can help your elderly loved ones find walkers that are easy to use.

Look for Padded Hand Grips
Many high-quality folding walkers also have padded hand grips that are designed to reduce hand fatigue. These hand grips are a wonderful value because they offer the comfort needed to use a folded walker on a regular basis that can help you elderly loved one feel confident about using a walker.

As you can see, choosing a folding walker for your elderly loved ones is easy if you remember to select a folding walker that offers the right height and design elements that suit your elderly loved ones' needs. Be sure to use the suggestions mentioned in this article to choose a folding walker that offers your elderly loved ones the right height and design elements that suit their needs.


Tuesday, October 6, 2015

The Blessing of Being a Mother

Source: via Race on Pinterest

Ah the blessings of being a Mom, I really can't count them all in my hands because it would take me another set.  It's in the little things that I do for my kids that I find happiness.  At times I can't find a time to even comb my hair or find a quiet time to do my personal things because all of it are occupied by the things that I need to do for the little ones.  Or forget to think of my own whims when I find something that I know they will like if I buy, well that's being a Mom and I didn't actually realized that earlier.  

Now as I'm having some moments to think of my life I felt the wave of contentment splashing down on me filling me up with so much love I can't control and I can't explain.  This is probably what my Mom always feels when she takes care of us, when she's cooking a special dinner for us or when she's taking care of her grandkids.  Well God has blessed us Moms with wonderful things that money can't buy and I'm so thankful that I'm a mother.


Ways to Prepare to Become a Contractor

Some people who eventually become home builders start out building small projects as a hobby. Perhaps it is the back porch, or a wheelchair ramp or a tree house in the back yard. When these projects are scaled to something larger that affects the construction of a house, however, there are other considerations. Because municipalities and cities require compliance with licensing, permits and building codes, it is vital to get more training to do this larger work. Many immediately find a way to encourage themselves through contractor license exam prep. There are three main ways to pursue this preparation.

Online Courses
Web-based classes are a popular way for people to prepare for the exam. Many do not live in a city or town that offers courses locally. Those who do many find it difficult to carve out a segment of time to dedicate themselves to studying outside of their own homes. Online courses are a natural way to ensure they find others who may be taking the same journey and adequately study the information. Courses often are either self-paced or operate through a portal with other participants.

Local College or Learning Center
Some colleges and universities capitalize on exam prep by partnering with organizations who offer the exams and making course material accessible for local residents. Often, they offer instructor-led courses or tutoring at local learning centers. Typically, these courses have the same learning aids as those taken online, but a live person is available to answer questions or assist with understand all the learning material. This is especially beneficial for those who know they are not likely to commit to the material if left to do it on their own.

Practice Exams
Some who prepare for licensing exams are more independent learners and choose to absorb the information on their own before taking the exam. Typically, these people are fast learners and benefit from practice exams. They are able to assess weaker knowledge areas and retake practice exams to boost their knowledge in those areas. Most practice exams are based on those given in previous years, and they give similar questions. Practice exams are recommended for all who are preparing for licensing because they also help reduce test anxiety.

Becoming a licensed contractor will require a commitment to intensive learning of all material. Those who excel know what kind of learners they are and take the right approach to preparing for the exam. No matter what your learning style, there is a right method to help you study.


Sunday, October 4, 2015

Pallets Sun Deck

Have you ever imagined making full use of your old pallets? Well it's time to use your creativity in making some nice furniture or beautiful areas in your backyard.  I've always love to relax from the stress of my work and lounging in one of chairs above the sun deck pallets here is a welcome thought.  
Making a nice comfortable and sturdy sun deck out of pallets is such a creative idea and affordable as well.  You don't have to spend a lot to create  a relaxing area in your garden or in other areas outside your house.  It would be a pleasure reading my favorite book here or just enjoy the time talking to my husband and the kids.  Such a nice thought.


Friday, October 2, 2015

A Deep Clean Or Basic Clean?

Whether you are looking for someone to clean your home or your business, a cleaning service can offer assistance. Some companies will only offer basic cleaning while others will offer a thorough cleaning. There are a few noticeable differences between a basic cleaning and a deep cleaning.

A basic cleaning is less expensive than a deep cleaning. If a business or home has never been cleaned, then a deep cleaning would probably be the best thing to do for the first time. Many cleaning companies will require a deep cleaning for any new client. A deep cleaning is often a good idea if you are moving from one home or business to another. This will give a fresh smell to the area and get more dirt out of the carpet than a basic cleaning would do, making it as clean as possible for the new tenants. A deep cleaning is also a good idea after a holiday celebration or a special occasion.

Most Minneapolis cleaning services, as well as companies in other cities, will offer mopping, sweeping and vacuuming with a basic cleaning. In the bathroom, the shower is cleaned but is disinfected during a deep cleaning. A deep cleaning also involves cleaning the tile grout as well as the door frames and any decorations that might be on the shelves. A basic cleaning involves emptying the trash can, cleaning the toilets and cleaning the mirrors. The floor is also cleaned. Towels are changed if they are hanging in the bathroom. A deep cleaning of the kitchen includes the interior of the oven and behind the refrigerator. Fingerprints are removed from surfaces, and the inside of the microwave is cleaned. The basic cleaning of the kitchen involves sweeping and mopping, cleaning the surfaces of appliances and counters and cleaning the sinks.

The trash through the home is usually cleaned with a basic service. Dusting is done through the home. A deep cleaning usually includes cleaning the ceiling fans and mini-blinds. Vents are dusted, and linens are often changed on the beds. Laundry can also be done if requested by the home owner.


About Me

Work-At-Home Mom who quit years of corporate life to take care three kids full time. Fond of cooking, reading books and determined to master housekeeping. Created this blog to share about career, job, human resource, hobbies, sports and travel

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