Important People for House Building

For those who are engineers, architects or interior designers, house building is definitely a fun process for them. They would understand the process and how it is done. They are the ones who have control over the whole building. During this process, there would be so many people who are involved. Of course, the owner of the house would be one of them but there are other people who are concerned too. They all have their own duties and responsibilities with the house. They may work separately in their areas but they work together to build a perfect house for the owner.

Here are the important and needed people who are involved in the house building and their responsibilities:

• Engineer: Provides the structure design of the whole house; in-charge of providing the structure from the floors to the roof; works together with a work supervisor and a site supervisor

• Architect: the most important person in house building; gets the ideas from the clients and they are the ones who puts it into paper; are knowledgeable with guidelines and legal requirements that are related to your building so they are hired to avoid any legal issues; could pick out the workers for the area

• Contractor: they are the ones who watches all the workers and labourers at the site; supervises their work to ensure that they are doing their job well

• Mason: in charge of the construction of the whole house; in charge of building walls and other construction

• Carpenters and Painters: One of the most needed people during the building process; they are the ones who provides the doors, windows, cabinets and other woodworks that you need; paints walls, ceilings, etc

• Electrician and Plumber: Every house must need a good source of water and electricity so they are the ones who would fix the lines and pipes to have good water supply and electricity connection

All of these people are needed during the house building. So there are really a lot of people when you go to the site. They all must do a good job to be able to build a strong and nice house. They all must agree on things and cooperate with each other so the house would look nice. All of them have one goal. Their goal is to be able to build a home where a person or a family would be able to live comfortably.

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House Insurance Offers: Tips on Getting Better Quotes and Discounts

It might take some time for you to do some research, but you really do want to be careful when evaluating house insurance offers. How do you know which company is right for you? What about the policy? Does it include everything you need? Is it right for your home and property? What about the contents of your home? All of these questions must be answered before you sign any contracts.

Always check the financial stability of any company you are considering and consult consumer sites to read reviews and ratings. Also, keep in mind that you might not necessarily need the traditional insurance type. There are newer, modern solutions such as “peer to peer models”. This is an ideal system for those who have trouble getting affordable insurance the traditional way.

Regardless of which type of system you go for, it is essential that you know the value of your property and contents. If the current market value of your home really isn’t very much, how much would it take to make repairs if it’s damaged in a fire or flood? How much would it be to completely build a new home? Like any other type of insurance, you should consider premiums VS deductibles when it comes to house insurance offers.

One way to get a discount and save money on your payments is to make your home as disaster-resistant as possible. For instance, you might be able to save on premiums by purchasing stronger roofing materials, reinforcing your roof, adding storm shutters, investing in sprinklers, modernizing your plumbing and heating, etc.

Item List for House Insurance Offers

Make a list of the personal, valuable items you want to insure. Don’t automatically assume that they will be included under general coverage. Personal property hat people tend to want coverage for in insurance policies include expensive collections, jewelry, art, furs, electronics, and so forth. Even if personal property is included in the homeowners insurance rate, it might not be enough, and there might be exceptions. Some people choose to buy extra protection for specific items of high-value.

If you already have home insurance and are thinking about looking for something more affordable, one thing you’ll want to do is review your current dwelling coverage to ensure that it is not below 80% of the full replacement cost of the home. If it is, then your current company might reduce the amount that it will pay you should you file a claim. Keep this in mind when you are looking for a new, better deal, or take the steps necessary to improve the value of the dwelling.

Now that you have a better understanding of the basics of home / property insurance and how house insurance offers work, it’s time to start doing research. One company that is currently becoming very popular is Lemonade. It offers a unique peer-to-peer type of solution and pays out claims VERY quickly. See if it is available in your state, and if so, see if …

Latest Interior Design Trends to Beautify Your House

Living in a beautiful house is a dream many of us cherish for long. However, only a few among us take steps in the right direction and realize the goal of beautifying the home. Those who do look for latest interior design trends so that the spaces can start looking charming and inspired corners are transformed completely. Such home owners want neighbors and relatives to take note of the interior designing work and thus, search for ideas in magazines, on the web and on TV etc. They also make sure the interior design trends fit well into the trends of the modern times and meet societal ethos.

Let’s look at some of features of latest interior design trends –

Latest trend don’t fade out soon

Latest trends in interior designing won’t change soon as they’re quite unlike those in the fashion and tech industries. Rather, they stay in there and gradually get to people and grow on people across societies. They will be in vogue for years and you can find houses accepting them and assimilating their virtues in a slow manner.

They blend traditional and modern ideas together

Latest interior design trends are not any unique discovery or concept; rather, they are a coming together of the merits of the traditional and modern ideas. For example, the use of wooden materials is growing across modern structures and it’s like going back to the classical touch. And home owners now prefer small yet cozy spaces which was norm during the 60s and 70s.

Greater use of natural materials and colors

It’s true that home owners today do a greater use of natural materials and colors in beautifying the interiors of their house. In fact, hand-crafted items are also a fad these days among people aspiring for beautiful home interiors. Similarly, the use of modern geometry and colorful texture is on the up in interior designing. Not to forger, the use of glass or other see-through objectives is rising up steadily for transforming the interiors.

A touch of nature in design

Calm and cosy atmosphere is the latest desire for home owners when they design the interiors of the house. They want the spaces to get a cleaner and greener look at the cost of flashy ornamentation and gaudy enhancements. Using greener and natural materials or options to bring in a touch of nature is surely the latest trend with interior designing. This is why wood and green carpets are used more these days in interiors.

Hand-crafted items more in demand

Let’s admit it straightway – people want classy look and feel. They can vintage furniture and accessories, preferably hand-crafted ones to grace the interiors. The focus is to lend the interior a dash of artistic craftsmanship through the use of items hand-crafted with perfection. So, you can feel the difference with the way customized furniture are used these days.

More natural light, less dark shades

As per latest interior design trends, the focus is shifted to more natural lights and …

House and Contents Insurance Overview: Understanding the Importance of Contents Insurance

While everybody understands the importance of getting their home insured, not everyone realizes that they need to get their contents insured as well. A typical home insurance policy will cover just the building itself, but what about the belongings? What about the contents of a storage building on your property? It’s a good idea to look at BOTH house and contents insurance policies – especially if you live in an area that either gets a lot of extreme weather or has a high rate of break-ins and burglaries.

When comparing rates for home insurance, make sure that there is coverage for your belongings. Typically, you’ll be required to choose between two types of coverage for personal property: actual cash value and replacement cost. The latter will factor in the depreciation of the item, and the former will help reimburse you for the cost by replacing the damaged item with one of similar quality and type.

Once you consider how much content property coverage is right for your needs, it’s a good idea to review any limitation(s) that may apply. Standard policies typically limit the amount of coverage for certain types of valuables, like furniture, jewelry, fur coats, etc. For instance, if you have a diamond ring that is stolen, some standard policies will only insure up to $1,000 for the theft of a single piece of jewelry. What if the diamond ring is worth a lot more?

Taking Inventory for House and Contents Insurance

It’s good to go ahead and start taking inventory of all of your belongings. Include as much detail as possible for each piece of furniture, electronic device, jewelry, appliances, designer clothes, and any other item that is of value. Document things like makes and models of appliances and serial numbers on electronics. It’s a good idea to take photographs of everything as well.

Even if you’re a tenant and your home is already protected by your landlord’s policy, you should still consider getting contents insurance. In all likelihood, your landlord doesn’t pay insurance to cover your own personal belongings. At most, the furnishings and carpet are protected.

There are certain things that house and contents insurance policies DO NOT cover, such as you leaving the property uninhabited for a long time. If you have to travel to another state or country for awhile, be sure to inform your insurer in advance. Also, your home should be secured properly. You can’t just neglect the security just because you think you have a good insurance policy. You will be required to take the necessary steps to secure it.

Every insurer has different requirements. One place to begin your search for reasonable and affordable house and contents insurance policies is Lemonade. It’s different than the traditional insurance companies and offers a unique approach in how it deals with monthly payments. It’s worthwhile to learn about Lemonade and its annual “Giveback” feature.

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Why Do You Want To Buy A House?

There is no such thing, as a one – size – fits – all reason, or set of reasons, individuals decide, and/ or desire, to buy, a home, of their own. Some do it, because of family needs, others may want to own pets, etc, and others, decide it makes more financial sense to own (than continue renting), and/ or want to live, somewhere, where they might put, their personal seal, on the accommodations, or seek a specific lot of land, etc. These are just, a few of the reasons, but to ensure, one purchases, when it serves their best – interests, and does so, intelligently, and in a focused manner, prospective homeowners should clearly know their personal reasons, thoroughly, and in a somewhat, objective way.

1. Can you afford owning?: Owning a house of your own, requires accepting a far greater degree of personal and financial responsibility, than renting. Renters don’t have to worry about most maintenance items, especially major expenses, etc, but that, all, changes, when one owns. Start by thoroughly considering your present finances, including savings, earnings, debt, and preparedness. Will you qualify for an affordable mortgage? Have you saved, and accumulated significant reserves, in order to be prepared, and ready, for any foreseeable possibility? Wise homeowners put together reserves for repairs, renovations, upgrades, and maintenance, etc, in addition to possessing a mortgage reserve, of approximately 6 – 9 months, equivalence. Since, for most, the value of your house, represents your single – biggest, financial asset, doesn’t it make sense, to proceed wisely, and in a focused way?

2. Area/ neighborhood: When you rent, your lease is for a finite period, so it is rather easy, and straight – forward, to relocate to another locale, if you discover you, either don’t like the particular area, neighborhood, region, or house, or if your life circumstances, change, such as employment, etc. Obviously, since selling a house, is a little more complicated, timely, and less predictable, this should be one consideration, before proceeding.

3. Really want to own a pet or pets: Only a minority of rentals, permit individuals to own pets, and, even, then, must be clearly specified, and is often limited. For true pet lovers, who simply don’t want to be without a beloved pet, it might be one reason to purchase a house.

4. How much land do you want/ need? Some love having a larger lot, either for flowers, gardens, etc. Others want to have place for patios, pools, or convenient places for their pets, to roam. However, others do not want that type of responsibility, and/ or can’t afford to maintain these (Isn’t that one reason, some prefer condominiums?). While some want large lots, others seek somewhat less. Know thy self!

5. Mortgages: Most home buyers purchase houses, with the aid, of a mortgage loan. One consideration is how much you qualify for, and perhaps, equally important, is how much you will feel comfortable paying. Remember, your payment includes principal, interest, real estate taxes (and …

Preparing For A Flood: From Flood Insurance To Keeping Your House Safe

Nobody expects to find 10 inches of water in the living room. Did you know that floods are the number one natural disaster in the United States? Unfortunately, it can happen to anyone, and the best thing you can do to protect your family and home is to be prepared. Read on to find out some things you can do before this natural disaster strikes.

Plan Ahead

-Buy flood insurance: Believe it or not, a regular home insurance does not cover water damage. This is why it's highly recommended that business owners and homeowners purchase flood insurance. Just remember that it takes 30 days after your purchase for your flood insurance protection to become valid.

-Build your house on the right place: Avoid building your home and business on low-lying land next to a river. These areas extend from the banks of the river to the walls of the enclosed valley walls. Even when these areas remain dry for many years, when there's abundant rain, your house can be in great danger.

-Take care of electrical appliances: You should elevate your HVAC and electrical systems, including the wiring, at least one foot. Doing this will help you prevent short circuits and potential fires. Also, take into consideration that any electrical components inundated, even if it's just a short period of time, must be replaced.

-Build a barrier: In order to prevent water coming into your home, you can also build a barrier. You can either build a levee out of compacted earth or masonry. Masonry is a structure made of individual components that are bound together. Besides protecting your home, the greatest advantage of these types of barriers is that they won't change the appearance of your house.

-Seal your house: Install water shields over the windows, doors, and any other openings. Also, coat the walls with waterproof sealant. Remember to seal all the lower areas of your house.

During A Storm

-Be alert: watch or listen to the news. Get updated information constantly, in case you need to leave your house.

-Move to a safe place: You don't need to wait for instructions to move to higher ground. However, if you decide to stay home, and at some point the authorities determine that an evacuation is necessary, you must leave! If you have time, before you leave bring the outdoor furniture inside your house, and move important stuff to the upper floor. And don't forget to lock your house!

-Be safe: Know what areas fill with water faster and try not to drive or walk near them. In addition, avoid all contact with floodwater. It's dangerous because it contains chemical waste or sewage. If for some reason you come in contact with it, wash yourself right away with clean water and soap.

Following these recommendations will help you be prepared in case of a flood. Remember to always be safe!

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House and Home Insurance: A Guide to Evaluating the Worth of Your Home and Belongings

You know that you have to get home insurance of some kind to protect your dwelling, but there are so many options that you might feel overwhelmed. It's important to determine just how much insurance you'll need to adequately protect your home, property, and contents. Don't forget about the items inside your home, either. Some basic insurance policies only include coverage for the property itself. It's ideal that you search for house and home insurance that covers everything, including walls, furniture, appliances, carpet, jewelry, electronics, and so forth.

At the minimum, make sure you get insurance that covers the property itself, contents, legal liability should anyone become injured on the property, and loss of use so that you'll be able to pay for temporary housing while the house gets repaired. If you want money for the actual REPAIRS, you'll need additional coverage such as flood, fire, windstorm, and so forth. Depending on where you live, flood and hurricane insurance might be required anyway.

Think about how much it will cost to rebuild the home, and how much money you'll need to replace all of the belongings that you lost. House and home insurance is designed to help you plan for the absolute worst, whatever it may be. Don't just simply consider the cost of rebuilding, there are going to be market fluctuations to consider as well. Plus, the value of many of your belongings is likely to go down over the years. If you've done any remodeling or added new features, that will affect the overall value of the home.

House and Home Insurance for Worst-Case Scenario

How much will it cost to rebuild and replace in a worst-case-scenario? This is something you might want to work with an agent with, as well as the contractors who helped with the renovation.

Is a broader policy right for you or do you want specific add-ons? Is there anything you want to exclude? If you live in an area that experiences freezing cold temperatures during winter months, you might want to consider a policy that includes protection against freezing pipes. If you live down in a valley and could possibly lose your home to mudslides, or have room damage from falling rocks, consider a policy that includes protection from falling objects.

As for the contents of the home itself, go around room to room taking inventory. In addition to approximating the costs of valuables such as jewelry and electronics, you should also remember to include furniture, goods, appliances, wall art, and so forth.

Start looking into plans offered by companies such as Lemonade. With its helpful tools such as an artificial intelligence bot, you can get an estimate for house and home insurance in just 90 seconds. Lemonade discounts are among the best in the industry, and the company is very transparent.

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Tips For Keeping Cool in an Uninsulated House During the Summer

A few years ago, my husband and I, along with our two young daughters spent some time living in Africa and Latin America. Both countries were hot, hot, hot in the summer time. Not only was it hot, but it was humid as well.

I remember one night in Africa we were sleeping (or should I say, trying to sleep) in an upstairs motel room. There was no cross ventilation, and I dare say the temperature was close to 100 degrees Fahrenheit. It was humid as well. By some miracle, the girls went to sleep fine. My husband and I on the other hand were desperately tossing and turning in sheer sweaty exhaustion. We couldn’t sleep for anything, we were so freaking hot!

Finally, our desperation bred a plan. We got a pair of socks and soaked them dripping wet in the sink. We then proceeded to put those sopping wet socks on our feet. Amazingly, our bodies cooled down considerably and we were able to sleep for a couple hours–until the socks were dry. We got up, wet them again, and repeated the process the rest of the night. Our desperation had certainly turned into a mother of invention.

We now live back in the good ole’ US of A. However, we don’t have one of those nice comfortable new air-conditioned houses. Ours is an old farmhouse with just enough insulation to keep the mice happy in the walls. So how do we keep cool here? Let me share some of our tips. Maybe it’ll save you some horrible hot sleepless nights.

1. We have trees shading our house. Now I know that’s kind-of a long-term solution, but planting a tree is a whole lot cheaper than tearing out walls and re-insulating.

2. We open the windows AFTER dark and put box fans in them blowing the cool air into the house all night long. In the morning, right when we get up, we remove the fans and close the windows up tight to keep the hot air out.

3. We keep the windows covered. It’s amazing how much heat a window can let in. We keep dark curtains pulled over the windows that let in most of the sun–even during the day.

4. We put window air conditioner units in the bedrooms. It’s too expensive for us to air condition the entire house, but we do find running a couple units at night is affordable and makes sleep much more comfortable.

5. We move most of our activities during the day to the coolest part of the house. Our master bedroom happens to be on the east side and is therefore not heated up by the hot afternoon sun as much. We moved the TV and even my office into the master bedroom and find ourselves spending a lot of time in there. If it gets too hot, we shut the bedroom door and turn on the window A/C unit for a little while to cool it down.…

Increase Value of Your House by Upgrading Your Bathroom and Kitchen

Is it time to sell your home? Whether flipping a house or trying to get a good price before a move, there are a few ways to gain value through a kitchen or bathroom refurbishment. Outdated kitchen and the bathroom styles are the quickest way to make a house feel older and more rundown. Here are a few ideas to get you started on your renovations.

Custom design

A made to order design makes the most sense when trying to get the most money for your home. Bespoke bathrooms are noticeable and make a difference in price. A real estate agent or home buyer will be able to tell if tiling and fixtures were simply placed in the space or made for the space. Avoid outrageous designs that might make classic homebuyers feel uncomfortable. You never want a space to only appeal to a particular type of style. Exquisite stonework with classics such as natural stone, granite, slate, and travertine are always a good idea.

Flooring

Flooring is important in a bathroom and linoleum is out. Linoleum in the bathroom or kitchen can make an entire house seem outdated, ugly and dirty. Hard wood can take a real beating in these spaces and look old and worn quickly, even after refurbishing it. The best idea is to put down ceramic or porcelain tiles or natural stone flooring instead. These will sustain heavy amounts of foot traffic, clean well, and always look nice. They appeal to a modern home design and can go with almost anything a home buyer may want to decorate with.

Bathtub

Bathrooms can be purely conventional, or they can be home spas and relaxation areas. One way to create a more elegant and expensive feel is to create a separate bathtub and wetroom. A spa tub can be a place to relax and separate from the conventional use of a shower. Travertine or marble make great custom tiling jobs for a bespoke bathroom bathtub. Mosaic tiles work well to add a decorative flair to the wetroom wall. IF the home buyer finds your space relaxing, they will feel excited about buying it. Make the bathroom, especially the master bathroom, somewhere they want to be.

Kitchen Counter Tops

Just like with the floors, linoleum is out. A granite kitchen worktop is your best bet. It looks nice and is extremely practical. Choose a neutral color that can go with any style your home buyer may have. Make sure it matches the cabinets, hardware, and floor. Replace old cupboard hardware to match your new counters. The kitchen is the most-used room in the house. Make as modern, comfortable, and conventional as possible.

Selling your home can be an overwhelming process. Start with these tips in the bathroom and kitchen to increase the value of your home. You can always add some of your own personal flair and ideas. With the right plans, rocks, and fixtures, you can easily gain the most for your dollar.

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FSBO – How to Prepare Your House to Sell

Did you hear that? Prices of houses in Phoenix have been jumping 5% each month for 2005 according to market experts! Some even predict that the price of housing could jump an additional 10% for the upcoming year. The shortage of houses for sales and the still relatively low interest prices are causing the price of homes not just here in Phoenix but nationwide to escalate. What does this mean? If you are thinking about selling your home, there is no better time than the present. Jump on the bandwagon!

Okay, great, you say. I'll buy a for-sale-by-owner sign, set it out in the front yard, host an open-house this weekend. I should have my house sold by the end of next week! Well, two months later, that for-sale-by-owner sign is still in the front and you don't have a buyer. Do not think that just because there is a shortage of houses for sale, selling a house is a piece of cake. It may not as easy as you think. Instead of using a Realtor, you are determined to sell the house yourself. That's fine and it's possible. People do it all the time; However, what are some tips to help you prepare your house to sell. I have done the research and found four minimal-cost tips in preparing your sell:

1. Clean-up. The first impression is always the lasting one. You want potential buyers to be impressed the moment that they spot your house from the street. Everything from the yard, to the windows, to every room inside should be squeaky clean. And if you have a collection of, well, several collections of … stuff, it's distracting to the buyer and really takes away the beauty of your home. If you can't part with those items, pack them away in boxes. A potential buyer won't be offended by a few packed boxes in the house. They most likely are expecting you to be preparing to move anyway.

2. Deodorize. This goes hand-in-hand with cleaning your house and removing the clutter. If your house smells, it won't sell. If the house has been vacant for a while, there is nothing more offensive to a potential buyer than the smell of mildew. Please take care of the mildew before showing the house. And you petowners, understand that your precious little pets that you keep indoors are not odor-less. You just have become accustomed to the smell. A potential buyer will pick up the pet order immediately. The same is true for cigarettes.

3. Re-paint the house. Okay, you may have enjoyed a blue kitchen, an orange living room, and a red bathroom. But your potential buyer may not be as cutting-edge. Experts agree that neutral colors are best in showcasing your house. Also take a second look at the decorations on the wall. Remove anything that could be offensive to your potential buyer.

4. Embrace the sun. I don't particularly care for the Phoenix heat, but I love the sun. …