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Organize Your Kitchen the Right Way – Slide Out Shelves



An organized kitchen is a pleasure to work in. Ask any home maker, she spends 50% of her home time in the kitchen. Most of the times she is trying to ensure that things are in order because if not, she’ll end up spending a chunk of her time in finding things from a cluster in a cabinet or a drawer.

This can lead to frustatration and loss of efficiency which means that she would have to spend more time in the kitchen. There are a lot of options for her to spend her time, she would love to socialize, take up a hobby or even find some me time while at home but the kitchen would not let it happen.

Here is the traditionally adopted option!

Imagine a cabinet that is full of things that lie in a heap and are a part of your daily use. A 3-foot cabinet that is around 4-foot wide can be home to more than 100 utensils of different sizes and utility.

With simple dividers they can be organized in a much better way but then you would have to place them one behind the other which creates a problem in accessing things. You would have to remove things in the front to access what’s in the back. While it is better than the stack, it is still not ideal.

Welcome to the world of Slide Out Shelves

Now imagine the dividers had simple slide in and slide out mechanism that would allow you to pull out the divider and take the thing you want without having to re-arrange the entire cabinet. That would be perfect, right?

Well, that exactly what the slide out shelves offer. You can get a well organized cabinet that is also very easy to access. It saves you time and the frustration. Thus making your kitchen a much more efficient place to work in.

Are they easy to install?

Nothing in life is easy, but slide out shelves are now available in kits and a lot of self install options. It is as easy as putting together LEGO sets. However, you might have a specific need and measurement which need to be addressed.

You can have professionals build custom slide out and pull out shelves for you and delivered to your door step. These are not very expensive and can also be made in a few days.

Find the Right Slide Out Shelves Company

The only effort that you will have to make will be in finding the right company that can deliver quality slide out shelves that are durable and will be delivered as per the specification. Make sure you can look up on the Internet, read reviews, see the images and choose the right partner to deliver an efficient solution to make your kitchen a better place.

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Makeover a Room With Home Decorating Wallpaper




Upon entering a house, people will almost always notice the walls first since they are the largest surface area in any given room. The designs on the wall will attract anyone’s attention, and even if there’s luxurious furniture and decor all around, if the walls aren’t done well, the room doesn’t light up the way it’s supposed to. Simply put, walls play a crucial role in interior planning and design. Choosing the right home decorating wallpaper is elemental in giving any room that added vivacity.

You can revamp a room wall without completely repositioning the furniture, or buying a range of new decor, or severely shifting the room’s theme. If one is already satisfied with the way things are, a quick change in wallpaper will instantly liven up a room and change its whole feel and look. The most important factor here is choosing the right wallpaper and wall paper border to incorporate to the rest of the room’s overall theme and structure.

So how do you pick the right design of home decorating wallpaper that will perfectly blend with the entire room and its furniture?

First, you will need to consider the existing theme of the room as well as the details of the furniture and other fixtures. Is it contemporary? Country? Western? American? Victorian or French perhaps? What about the dominant colors and shades of the furniture and decor? Your choice of home decorating wallpaper and wall paper border should balance well with everything. The wallpaper – its shade, pattern and texture — should not be too overpowering, nor should it be too insubstantial or simple that it won’t be able to create the effect you want. Mixing and matching wallpaper and wall paper borders is a great way to boost any room too.

Reading home improvement magazines helps in deciding what colors and patterns blend well with certain motifs. Consulting with an interior designer is a great way to deal with such dilemma, but take note that professional services can be expensive.

After initially deciding what pattern your wallpaper mural and wall paper border should be, make a list of the top 5 designs that you want, then ask several wallpaper companies for samples of the designs you chose. Once you receive the designs, paste them on your walls for a few days and try to discern which home decorating wallpaper suits your style best. You can also place it on your furniture, sofa and decor to see which ones match best.

An important thing to consider before purchasing wall paper border or home decorating wallpaper is the condition of your walls. Crooked walls look better when covered with wallpaper designed with accentuated stripes. Floral murals can effectively hide cracks or mask a room’s unconventional shape. For walls with a few imperfections and cracks, faux finish wallpaper can effectively hide them as well.

The room itself is another thing to take into account when considering various types of wallpaper materials. If you are going to remodel the living room and the dining room, go for paper wallpaper. For walls that need to have easy-to-clean surfaces, such as those in the kitchen, the bathroom, and the children’s room, you should opt for vinyl or vinyl-coated home decorating wallpaper. Vinyl wallpapers are more durable than those made of paper, making them a great choice for rooms where wallpaper suffers more wear-and-tear than most other spaces within the home.

When you have finally made your choice, measure the room first to determine exactly how many rolls you need. A few extras won’t hurt too. Then you can confidently place your order!

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Exterior Basement Waterproofing Solutions




Waterproofing the foundation of your home is the best way to prevent water from entering the basement. Basement waterproofing is divided into two major areas, interior basement waterproofing and exterior basement waterproofing. In this article we will discuss about exterior basement waterproofing.

Exterior basement waterproofing involves adopting a number of waterproofing procedures on the exterior of the home to stop water from entering the basement wall. Usually it is done during the construction of a new home, but older homes can be waterproofed by digging up the foundation.

Here are some ways to help you fight water from entering your basement:

Seal the Foundation Walls– Sealing the foundation of your home with good waterproofing material is the best way to prevent water seepage. The coating of these materials usually fades over time, therefore it is important to make sure that you regularly inspect the exterior walls to see if they are in need of replacement. Buy the best sealer available in the market and take the services of a professional to apply the coating.

Repair Cracks– If you want a dry basement, it is important not to leave any of the cracks open. Some cracks which are visible on the inside of the basement often continue through the foundation to show on the outside as well. For a long-lasting effect, these cracks should be filled at both ends. You can inject the cracks with epoxy to fix them. All the cracks and inconsistencies in the foundation wall needs to be fixed before waterproofing the area.

Install External Drainage System– Another way to waterproof your basement externally is to dig the soil next to basement walls and install drainage pipes along the wall. This will help in directing the water away from the walls. This solution works best for the exterior walls which are below ground level.

Parging– This process involves applying a thin layer of mortar over concrete. This helps in keeping the foundation walls smooth and helps fill voids, gaps and holes, thereby creating a more solid and stable surface.

Correct Ground Slopes– Correcting the ground slopes which surround the walls will reduce the chances of water pooling. The ground should slope at a distance of 5 feet from the exterior basement walls.

The above mentioned solutions protect your foundation from moisture and prevent water from getting through the basement walls. Selecting the right exterior basement waterproofing solution is very important to keep the foundation of your home healthy and strong.

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Indoor Gardening With Foliage Plants




Plants grown primarily for their leaf characteristics and utilized for interior decoration or landscape purposes are called foliage plants. As our society becomes more urban, living plants as part of the interior landscape increases. The use of live foliage plants brings individuals closer to an outdoor type of environment, and the large variety of plants gives us the opportunity to select species that will serve as attractive additions to interior decor. Foliage plants are excellent for indoor culture since they are able to survive environmental conditions unfavourable to many other plants.

Most avid gardeners continue to grow plants year-round. We start seeds in the living room, grow ferns in the bathroom, bring in begonias from the outdoor garden year after year, and have pots of herbs in the kitchen. Today there are so many interesting plants that can be grown indoors that there’s simply no reason for a gardener not to be surrounded by plants all year-round.

Everyone can grow foliage plants indoors with little effort if the right plant is used in the right location. Large-leaved species such as rubber plants (Ficus elastica), Monstera deliciosa, dumb-cane (Dieffenbachia amoena), and Philodendron are especially suited to commercial building interiors. They provide the size required to make them focal points in interior landscaping. These large leaved-plants as well as the smaller specimens such as ferns, vines, and ivies can serve a similar purpose in the home or apartment.

Practical Steps To Buying House Plants

Indoor plants are raised in glass greenhouses in which the air is warm and humid. When brought into the average home, they need to withstand more adverse conditions than the average outdoor plant. Challenging conditions such as minimum light, inadequate ventilation, warmer temperatures, drafts, and dry air contribute to stressful conditions for plants. Considering the following points will help in the selection of house plants that will complement your interior décor and live for many years to come.

1. Strong and vigorous. Give the plant a quick shake. A plant that’s unsteady in its pot may not be well-rooted. Shaking the plant also tells you whether the plant has whiteflies that will scattered in every direction if the plant is infested.

2. Evergreen – Since it will be seen everyday of the year, plants need to be evergreen.

3. Attractive – Some of the foliage plants will flower from time to time, but the primary reason for purchasing is the plant’s foliage and how the plants grow. The leaves may be selected for their colour or form, or both and the growth habit should be attractive and require minimum maintenance.

4. Slow-growing – Select plants that are slow-growing without a lot of pruning or training. They will perform better over a longer period of time.

5. Crowded roots – Check the bottom of the plant for roots coming out of the drainage hole. Roots emerging from holes in the pot don’t necessarily mean that the plant is under-potted, but it’s frequently a first symptom. Root bound plants will require transplanting when you get the plant home.

6. Unhealthy roots – If you can, have the clerk take the plant out of the pot to check for crowded roots. Roots come in all shapes, sizes, and colours. They should always feel firm and not squishy. Squishy roots are a sign of root rot.

7. Stem or root rot – Sniff the potting mix. Signs of rot smell like the sickly sweet smell of a rotting potato. Don’t buy this plant, as it likely has a bad case of stem rot or root rot.

8. Leaf spots, yellowed leaves, or abundant leaf loss – Leaf spots can be a sign of disease or caused by the jostling of the plants in a garden centre. A yellow leaf or two at the base of the plant is nothing to worry about. If you see many yellow or fallen leaves, however, the plant’s probably stressed and therefore not a good choice. Damaged leaves never recover. Ask yourself whether you are willing to wait for the plant to produce new leaves or would you rather purchase a healthier looking specimen.

9. Leggy plants or brown leaf tips – These conditions are signs of a plant that has not received adequate care over a period of time. Spindly plants indicate a lack of adequate light.

10. Signs of insects or disease – Look under the leaves and at the leaf axils (the place where the leaf attaches to the stem) where most often pests hang out. Do not purchase this plant, as not only will you have a problem with it, but you may also infest the other plants in your home.

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6 Factors Which Impact Home Pricing Values




In, most cases, one of the most significant factors, in, whether a particular house, will sell, or not, is related to its pricing, and, whether, it is perceived, at that particular time, and specific location, by potential, qualified buyers, as attractive, and compelling! There are many factors, which, often, contribute to a house’s market value (defined as, what a buyer is willing to pay, for the specific real property). Homeowners, considering, selling their homes, as well as potential, homebuyers, should, be, as knowledgable, as possible, so they may, realistically, know and understand, certain, relevant factors, in order to, more realistically, understand, factors, which, generally, affect, and determine, home prices. With, that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, 6 key factors, which, generally, matter.

1. Schools: Many homeowners, especially, those, with school – age, children, feel, the quality of local schools, is a key factor, in their evaluations/ emphasis! How do the schools, and overall, education system, in one area, compare, to the competition? In addition, to the level and quality, how about the costs/ taxes, and perceived, bang – for – the – buck? In most cases, this is a key factor, in how, people, value, specific properties, etc!

2. Safety: Both, the actual, as well as, perceived safety, of a specific neighborhood/ area/ region, are often, significant factors, in real estate values! Houses in areas, perceived as, being safer, and having lower crime – rates, generally, garner, higher prices!

3. Conveniences: Does the area, have the desirable balance, between, privacy, and convenience? Many seek conveniences, such as availability, nearby, of supermarkets/ food stores, and other desired stores, houses of worship, and other services, etc!

4. Transportation: While, most don’t want to be, so – close, to transportation, that they are inconvenienced, by noise, etc, they do, seek it to be convenient, and easily accessible! This delicate – balance, in terms of commuter/ public transportation, and key roads, etc, make a significant difference, in pricing.

5. Supply and demand: Like, most things, related to economics, the law of Supply and Demand, are significant, regarding, real estate prices. When there are more buyers, seeking houses, than available inventory of homes, on the market, it creates a Sellers Market (which, generally, causes higher prices). When sellers, out – number buyers, the opposite, occurs!

6. Current real estate market/ economy: The current real estate market, especially, in a specific area, matters! The actual, as well as perceive economy, including, job confidence/ security, etc, often, become major factors!

It’s a good idea, to understand these, and other factors, which, often, impact, and determine, home prices! Will you commit to being, a more – educated/ informed, consumer?

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How To Choose The Best Air Mover?




So, you need an air mover. All things considered, picking the correct one for the tasks that you have in mind is not an easy thing. You’ll have to look up the types of these units in the market, as well as their specs and unique highlights. If you need help navigating the world of air movers, read on.

What is an Air Mover?

Basically, this type of unit has a mechanical fan that produces high-speed airflow to promote air circulation and increased evaporation. It can be utilized for different functions, such as quicker drying time, improved ventilation, and cooling.

Depending upon the manufacturer and industry, this unit may also be called mechanical air blower, commercial blower fans, and floor drying fans. Some even call them carpet dryers and paint fume extractors.

Because these units increases air circulation, they can be utilized to dry out rugs, walls, floors, and wall pits. Indeed, they can can dry out a rug within 20 minutes. It can likewise be used to dry paint and cement. Some people use these products to remove fumes or gases in a workspace while others use them to cool down equipment.

Types of these Units

Generally, there are 3 types of air blowers, each having its own unique specifications and functions.

Axial Units

These are huge air blowers that produce a high CFM (cubic feet per minute). It is specifically designed to blow a large amount of air at a wide space. However, that air can only be moved horizontally. These are ideal for drying walls or top-down drying rugs. You can also use these units for ventilation and cooling.

Centrifugal Units

In contrast to pivotal air blowers, these can move air in different directions. They also draw air from a few sources and direct it towards a single spot. These fans are smaller and more compact and are frequently utilized when drying out difficult to-reach zones. For example, they can improve circulation in crawl spaces, wardrobes, and cupboards. Compared with the anaxial type, a centrifugal one will have a lower CFM.


These are the most versatile of all air movers. They’re smaller and just have ¼ HP motors, yet they can be used to dry large floor areas and perform spot treatments, such as drying the area under counters, in corners, and storerooms. Compared with centrifugal units, these occupy less room and make less noise.

Important things to consider before you buy one

Motor Power and Speed

While picking an air blower, you can consider the engine that will control it which could extend from a ¼ HP engine to 1 HP engine. To begin with, you’ll have to consider where you’ll be utilizing the product.

Airflow (CFM)

CFM or cubic feet per minute is the estimation of how much air is moved by the machine in 1 minute. Remember that a higher torque doesn’t mean a higher CFM. For the most part, you can expect that axial products should have a CFM rating of at least 3000. Centrifugal units regularly run 2400-2700 CFM.

Ease of Storage and Portability

Normally, you can’t simply leave your product lying around. You’ll need to ensure that it can be effectively put away, particularly in case you’re getting more than one.

The Takeaway

Unlike a standard fan, air movers work by giving a consistent blast of air that you can direct on a particular spot. So, you can use them for a variety tasks, including drying wet surfaces, improving the air flow and prevent different types of appliances from overheating.

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Five Tips That Will Save Calling a Garage Door Repairman




Automatic garage doors are the preferred type of doors all over America. If you’ve lived with a manual door, you already know what a pain they can be on cold snowy nights or whenever a heavy rain is falling. The automatic kind are so much more convenient that it’s no wonder they’ve become the standard. Along with them, however, there does come some problems which you, as a homeowner, will need to address unless you want to constantly be calling a professional to come and fix your door for you. What you need are some tips about how to repair minor problems yourself, so keep reading.

1. A regular maintenance job that will save you a lot of headaches later on is to lubricate the springs, rollers, hinges, and tracks of your garage doors. The door won’t be functioning well for very long if you skip this duty. You should watch the door each time you open it to make sure that it is operating smoothly. If it seems to be developing a drag or slowing down, adding motor oil or specially-formulated garage door oil to these parts can make the door operate correctly again.

2. Periodically check your door’s hardware. Tighten any screws that have loosened during use, and replace damaged screws. If you begin to see cracking around a hinge, take the hinge off and repair the cracks with wood filler. Allow the area to dry completely before replacing the hinge.

3. Have you ever come home to find your garage door open when you thought you had closed it? It’s possible that someone who lives nearby uses the same security code that you do. Changing the code in your opener will remedy this problem. You should also check the transmitter to see if there are batteries which need to be replaced.

4. So what do you do if your door will only go partway down and then back up instead of operating the way it’s supposed to? Start by checking to see if any objects are tripping the door’s safety sensor system. The door is designed to go back up if it senses anything underneath it, so if you have a tool or some other object infringing on the door’s right-of-way, it isn’t going to go completely down.

5. Examine the tracks and the mounting hardware to look for dents or flat places. Working from the inside of your garage with the door closed, you can try to repair the bad places with a hammer. If that doesn’t work, you’ll need to replace the defective parts.

An automatic garage door can be a wonderful thing if you take the time to maintain it properly.

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Shade Gardening Tips – Ten Shade Perennials For the Mid South




All gardens are not created equal. Some gardens have too much shade, and some not enough. You may be thinking that there are not many plants that you can grow in the shade, but there are plenty of shade perennials that are worth trying. Here in the Mid South, even plants that are considered full sun actually appreciate a little afternoon shade. There are a few tips that can make shade gardening with perennials a breeze such as assessing your site, creating the amount of shade you want, and picking plants that do well in your area.

Shade Gardening Tips

The first tip for planting shade perennials is to choose a spot that has little competition from trees that have surface roots such as maples, sweet gums, and dogwoods. The term “surface roots” means just what it says. The roots of the trees grow on the surface of the ground. This causes a problem with competition for water and nutrients if you plant perennials around these roots. Giving your plants a good growing environment with little competition is the first step to a great garden. The second tip is to assess your site before you plant.

Assessing Your Site

Assessing your site and identifying light and shade levels for that area is important. Simply take a walk around your yard and observe what areas get full sun and which areas are truly shady areas. Remember, light levels change throughout the year as the seasons change and as trees leaf out or grow to maturity. Keep notes in a journal as to what areas receive shade in the morning, midday, and early afternoon. Note whether the area is full shade, partial shade, or full sun. For the beginner gardener, those terms may be a little confusing. Here’s a quick primer on what those terms mean.

Full shade areas have a dense canopy where no direct sunlight penetrates, or perhaps the plant is in the shadow of an evergreen tree or building all day.

Partial shade means that the garden receives dappled shade throughout the day. This simply means that you can see some portions of the sky through the leaves above you. Another type of partial shade is the garden that is more densely shaded for a part of the day but receives bright sunlight for two to six hours.

The third type of area is full sun which means the area receives at least six hours of direct sunlight during the day. Once you have assessed your site and understand what type of shade you have. Next, you may want to create the amount of shade you want for your garden.

Create the Amount of Shade You Want

The third tip to increase your success with shade gardening, is to try altering the amount of light that enters your shade garden bed to suit your needs and the needs of the plants you want to plant. Prune trees to decrease the amount of shade and to create a high canopy that your plants will love. This also creates more air flow which is healthy for you and your plants since it decreases mold and mildew. To create more shade; plant trees, add walls and fences, build a lath house, or put a shade cloth over a simple plastic pipe structure, build an arbor or gazebo. Using vines on structures is also a quick way to create more shade.

Pick the Right Plants for Your Zone

Once you have assessed your area and created the type of shade you want, you are ready to plant. Go to your local garden center, or to your local extension service website, for a list of plants that do well in your area. You will find both a wealth of information. Below is a list of some top shade loving perennial performers for the Mid South.

Ten Shade Perennials for the Mid South

  • Italian arum (Arum italicum)
  • Northern sea oats (Chasmanthium latifolium)
  • Green and gold (Chrysogonum virginianum)
  • Cardinal flower (Lobelia Cardinalis)
  • Solomon’s seal (Polyanatum odoratum)
  • Spiderwort (Tradescantia x Andersoniana)
  • Lenten rose (Helleborus spp.)
  • Sweet woodruff (Galium odoratum)
  • Astilbe (Astilbe x Arendsii)
  • Toad lily (Tricyrtus formosana)

Visiting local public and botanical gardens, attending local garden tours, joining local garden clubs, and visiting your local extension service website, is a great way to learn more about perennials that do well in your area.

Given the right conditions, your plants will thrive. Remember, remove competition, asses your site, create the amount of shade you want and you will be on your way to a gorgeous yard that you will enjoy all season. Keep in mind that there are also ferns, vines, annuals, and shrubs that do well in shade. As a general rule, plants that do well in the shade have large, flat leaves that help them absorb light for photosynthesis and growth. They will generally have fewer flowers and seeds than plants grown in the sun. Think foliage, color, and texture for shady areas in your garden. This list of ten shade perennials is a good place to start for gardeners in the Mid South, but part of the fun of gardening is experimenting with different types of plants so be sure to go out there and find the plants that will be on your own list of “favorites” and enjoy the journey.

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Good Reasons To Use A Pool Cleaning Service




If you are considering building or installing a swimming pool, one of the first persons to talk to is a pool service provider. They will help you decide on the best type for your location. They will also provide guidance as to material suitable for your environment.

Talking to the experts before and during the installation process will save you headache in the end. They can also guide you to supplies if needed. If extra manpower is needed, they can also be a great resource.

Not having enough time is not the only reason to consider using a pool cleaning service. Some homeowners are surprised to find out how much time it takes to keep then being usable. It takes a lot more than just skimming leaves and debris off the surface.

If you were to spend the time doing what is needed, you will be too tired to enjoy yourself. It takes more than just removing leaves to have a nice, usable pool. Plus, there are electronic parts to consider.

Knowing the right amount of chemicals such as chlorine to use in the water is another reason. Even if you know the quantity, you also need to know when and how often. Another good reason to hire a pool service company is maintaining the right pH balance of the water.

To the untrained eye, clear, or clean water may be mistaken to indicate that it is balanced. Nothing could be further from the truth. A professional pool service worker would be able to measure this. If the balance needs restoring they would be able to restore it if necessary.

Failure to maintain the right pH balance can result in damage to expensive equipment. Filters, pumps, and heaters will become clogged and function less efficiently over time. This is partially due to the growth of bacteria and other microorganisms.

While some of the work can be done by automatic cleaners, there will always be need for manual labor. Some of the automatic systems do serve a purpose, but they cannot get to the hard stuff. Even the best robotic type cleaners need some help.

Steps, tiles and decks need sweeping, scrubbing and vacuuming. This has to be done by someone and preferably by a company with the experience. They will generally do a more thorough job. They have the manpower and the specialized tools that can get the job done right. They will also spot any repairs that are needed before they become big jobs.

When it comes to repairs to parts, a pool service is the best option. They may even have needed items such as filters in stock. This is important if a part need repairing or replacing after shops are closed. In addition, they may recognize that a part is going bad before it actually does.

When you use a pool cleaning service you are more likely to get quality maintenance done. As experts in the field there should not be any guesswork like when you do it yourself. A lot of damage has been done by owners trying to do it all themselves.

In the long term using a pool cleaning service will save you both time and money. Since maintenance and general cleaning is so important, leaving it to the professionals makes sense. By doing this, you will be left with more time to enjoy your swimming pool.

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5 Tips to Help You Buy Kitchen Essentials




If you want to renovate or build your kitchen, keep in mind that it is going to be a serious undertaking. Before you choose new appliances, don’t forget to do your homework and find out exactly what you need. In this article, we are going to share with you a few tips that will help you purchase kitchen essentials. Read on to find out more.

1. Plan your Menu

First of all, make sure you create a list of items that you really need. In other words, you may want to create your menu to get started. This will help you know what type of essential items you need to invest in. This will include all of the items that you cannot manage without.

2. Set your Budget

Without any doubt, you are going to pay a lot of money for new commercial equipment. If you are going to renovate your kitchen, make sure you set a budget first. Once you have set your budget, don’t make the mistake of crossing the line.

What you need to do is strike a balance between price and quality. Although you can go for high-quality appliances, make sure you don’t cross your budget limits. Spending a bit more and getting quality items is a different story. If you cannot afford an item, don’t go for it.

3. Measure your Space

Although it is a no-brainer, most homeowners don’t measure their space. So, what you need to do is measure your space to ensure the items you have purchased can fit in the available space,

Once you have made your space, you can order new equipment. You can measure the doorway to ensure that your desired equipment can be brought inside.

4. Look for Energy-Efficient Items

While purchasing kitchen essentials, it may be difficult for you to decide on what you need. You need to consider some important factors, such as the cost of the equipment and the cost of operating the equipment. In other words, you need to make sure that the products you are going to purchase are cost-effective.

In this case, it is better that you to purchase appliances that come with an energy star rating. The good thing about these products is there they are energy efficient and stand the test of time.

5. Stick to Local Codes

Make sure that you follow all the local codes or you may get heavy fines. In other words, you need to be familiar with all of the fire, building, and health rules and regulations in your area before you purchase kitchen essentials.

It is even better if you get in touch with officials and inspectors before you invest in new equipment. This will help you keep on the right track and go for the best products.

Long story short, we suggest that you follow these tips before you purchase kitchen essentials for your new kitchen. Hopefully, these tips will help you make the best decision.

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40+ Home Insurance Savings Tips




Your dwelling is often your most precious asset that you need to protect. We created a list of all savings opportunities associated with Home insurance. This list is the most complete perspective on home insurance savings tips. Numerous insurance brokers contributed to this list. So, let’s start!

1. Change your content coverage: Renting a Condo? You can often lower your content coverage. No need to insure your belongings to up to $250,000 if you only have a laptop and some IKEA furniture!

2. Renovations: Renovating your house can result in lower home insurance premiums, as home insurance premiums for older, poorly maintained dwellings are usually higher. Additionally, renovating only parts of your dwelling (e.g. the roof) can lead to insurance savings.

3. Pool: Adding a swimming pool to your house will likely lead to an increase in your insurance rates since your liability ( e.g. the risk of someone drowning) and the value of your house have increased.

4. Pipes: Insurers prefer copper or plastic plumbing – maybe it is a good idea to upgrade your galvanized / lead pipes during your next renovation cycle.

5. Shop around: Search, Compare, and switch insurance companies. There are many insurance providers and their price offerings for the same policies can be very different, therefore use multiple online tools and talk to several brokers since each will cover a limited number of insurance companies.

6. Wiring: Some wiring types are more expensive or cheaper than others to insure. Make sure you have approved wiring types, and by all means avoid aluminum wirings which can be really expensive to insure. Not all insurers will cover houses with aluminum wirings, and those that would, will require a full electrical inspection of the house.

7. Home Insurance deductibles: Like auto insurance, you can also choose higher home insurance deductibles to reduce your insurance premiums.

8. Bundle: Do you need Home and Auto Insurance? Most companies will offer you a discount if you bundle them together.

9. New Home: Check if insurer has a new home discount, some insurers will have them.

10. Claims-free discount: Some companies recognize the fact that you have not submitted any claims and reward it with a claim-free discount.

11. Mortgage-free home: When you complete paying down your house in full, some insurers will reward you with lower premiums.

12. Professional Membership: Are you a member of a professional organization (e.g. Certified Management Accountants of Canada or The Air Canada Pilots Association)? Then some insurance companies offer you a discount.

13. Seniors: Many companies offer special pricing to seniors.

14. Annual vs. monthly payments: In comparison to monthly payments, annual payments save insurers administrative costs (e.g. sending bills) and therefore they reward you lower premiums.

15. Annual review: Review your policies and coverage every year, since new discounts could apply to your new life situation if it has changed.

16. Alumni: Graduates from certain Canadian universities ( e.g University of Toronto, McGill University) might be eligible for a discount at certain Insurance providers.

17. Employee / Union members: Some companies offer discounts to union members ( e.g. IBM Canada or Research in Motion)

18. Mortgage insurance: Getting mortgage insurance when you have enough coverage in Life insurance is not always necessary: mortgage insurance is another name for a Life/Critical Illness / Disability insurance associated with your home only but you pay extra for a convenience of getting insurance directly when lending the money. For example a Term Life policy large enough to pay off your home is usually cheaper.

19. Drop earthquake protection: In many regions, earthquakes are not likely – you could decide not to take earthquake coverage which could lower your premiums. For example, in BC earthquake coverage can account for as much as one-third of a policy’s premium.

20. Wood stove: Choosing to use a wood stove means higher premiums – Insurance companies often decide to inspect the houses with such installations before insuring them. A decision to get rid of it means a lower risk and thus lower insurance premiums.

21. Heating: Insurers like forced-air gas furnaces or electric heat installations. If you have an oil-heated home, you might be paying more than your peers who have alternative heating sources.

22. Bicycle: You are buying a new bicycle and thinking about getting extra protection in case it is stolen when you leave it on the street e.g. when doing your groceries? Your Home insurance might be covering it already.

23. Stop smoking: Some insurers increase their premiums for the homes with smokers as there is an increased risk of fire.

24. Clean claim history: Keep a clean claim record without placing small claims, sometimes it makes sense to simply repair a small damage rather than claim it: you should consider both aspects: your deductibles and potential raise in premiums.

25. Rebuilding vs. market costs: Consider your rebuilding costs when choosing an insurance coverage, not the market price of your house (market price can be significantly higher than real rebuilding costs).

26. Welcome discount: Some insurers offer a so called welcome discount.

27. Avoid living in dangerous locations: Nature effects some locations more than others: avoid flood-, or earthquake-endangered areas when choosing a house.

28. Neighbourhood: Moving to a more secure neighbourhood with lower criminal rate will often considered in your insurance premiums.

29. Centrally-connected alarm: Installing an alarm connected to a central monitoring system will be recognized by some insurers in premiums.

30. Monitoring: Having your residence / apartment / condo monitored 24 hour can mean an insurance discount. e.g. via a security guard.

31. Hydrants and fire-station: Proximity to a water hydrant and/or fire-station can decrease your premiums as well.

32. Loyalty: Staying with one insurer longer can sometimes result in a long-term policy holder discount.

33. Water damages: Avoid buying a house which may have water damage or has a history of water damage; a check with the insurance company can help to find it out before you buy the house.

34. Decrease liability risk: Use meaningful ways to reduce your liability risk (e.g. fencing off a pool) and it can result in your liability insurance premiums going down.

35. Direct insurers: Have you always dealt with insurance brokers / agents? Getting a policy from a direct insurer (i.e. insurers working via call-center or online) often can be cheaper (but not always) since they do not pay an agent/broker commission for each policy sold.

36. Plumbing insulation: Insulating your pipes will prevent them from freezing in winter and reduce or even avoid insurance claims.

37. Dependent students: Dependent students living in their own apartment can be covered by their parents’ home insurance policy at no additional charge.

38. Retirees: Those who are retired can often get an additional discount – since they spend more time at home than somebody who works during the day and thus can prevent accidents like a fire much easier.

39. Leverage inflation: Many insurers increase your dwelling limit every year by considering the inflation of the house rebuilding costs. Make sure this adjustment is in line with reality and that you are not overpaying.

40. Credit score: Most companies use your credit score when calculating home insurance premiums. Having a good credit score can help you to get lower insurance rates.

41. Stability of residence: Some insurers may offer a stability of residence discount if you have lived at the same dwelling for a certain number of years.

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