Spring time means starting a garden to enjoy vegetables all summer long. Not only are organic gardens great for healthy food and flavor, they also add a nice bit of landscape to your property and save you money at the grocery store.
There’s nothing like just walking out into your yard and gathering fresh vegetables to cook with or make a salad that day. You also know where they came from and how they were grown with your own hands and the love you put into your garden.
Bring in the entire family on this fun project! Don’t just go it alone, this is a great for teaching your kids about eating healthy and how to grow their own food organically. Who knows maybe they thought they did not like a certain vegetable or many vegetables before but are willing to give them a try after they get to help grow, pick and prepare them going from the garden to the table.
Check out this video from Howdini with Scott Meyer, editor of Organic Gardening magazine, who has great information and tips for Organic gardening and how to grow an organic vegetable garden.
Grab your shovel and get started! Enjoy :}
Most homes are fitted with some sort of security device. To make the most of your home security discount, make sure your home is fitted with: dead bolt locks, smoke detectors, fire extinguishers and a burglar and fire alarm that are monitored. You do not have to have all of these to receive a discount on your home insurance so even if you only have one or two, make sure that you ask for the savings.
Keep your credit score as high as possible.
Home Insurance companies are using your credit score as an indicator of responsibility. The theory is the more responsible the individual the less claims they will have. So, insurance companies are giving lower rates to those individuals with a better credit score.
Consolidate your policies.
Most, if not all companies that sell home insurance, offer discounts for insuring your autos with them. These discounts can sometimes save you up to 30% off of your total insurance bill. Plus, you get the added convenience of having one agent for both your home and auto insurances.
Protect your home with updates.
Discuss with your agent about the possibilities of receiving home insurance discounts for keeping your home in good repair. Some home insurance companies will offer savings for a anew roof, electrical, HVAC, plumbing updates.
Make sure you are not over insured.
Your home insurance coverage should not necessarily be what you paid for the home. Land values are calculated into the final sales price and should be considered when insuring the structure. In others words you cannot hurt the dirt. A good idea is to call local builders and ask them what new home construction cost per square foot is going for. Take that number, multiply that times your square footage and that is the amount that your home should be insured for. Companies will not pay more than what it is going to cost to rebuild the home anyway, so make sure you are insured correctly.
Stay away from low deductibles.
The deductible is your portion of the claim that must be paid before the insurance company pays for the claim. The lower your deductible, the higher your premium will be. Deductibles can range anywhere from $100-$5000 or more. The majority of homeowners will carry a $500 deductible, but the savings one can receive by raising your deductible to $1000 can be significant, up to 20%.
Ask Budget Bi Rite. Contact an agent today to make sure that you are receiving 100% of the home insurance discounts that you qualify for.
Have empty spots in your yard where nothing will grow because of lack of sunlight? From blooming flowers to plants that have beautiful leaves, Craftsy gives you a list of 5 plants you can grow for those shady parts of your yard.
See their article Here
Want to know what grows best in your local area? Visit LocalHarvest.com
You can shop from your local farmers for seeds, food and more.
Check them out on our boards for Easter over at Pinterest.
Along with all the fun, please remember the reason for Easter is because of Jesus Christ who died on the cross for our sins and rose on the third day.
Happy Easter to you and your family from ours.
Budget Bi Rite Insurance
When you drive or walk through your neighborhood, it is easy to see which homes are being maintained and which are not. You don’t have to inspect them, but just pass by and take a look. It’s simple to find homes that are run down, their lawn is overgrown, window shutters are falling off or there’s missing shingles from the roof. Maintained homes aren’t perfect, but you can see fresh paint, no cracks or holes in the walkway or driveway, clean windows and no overgrown trees or hedges.
Yearly and seasonal maintenance of your home helps to retain its value and prevent problems in the future. Some repairs can help keep your Homeowners Insurance policy from increasing since they include reducing safety issues such as fires.
It’s helpful to keep a checklist of what you must do to maintain your home:
- Check the batteries in your smoke detectors. A good way to remember to do this is when we change the clocks for daylight savings time.
- Clean the dryer vent.
- Vacuum the coils of your refrigerator.
- Clean and check the screens on your windows and doors.
- Check and maintain your air conditioning system yearly.
- Have your septic system cleaned out professionally. This should be done every year – every 3 years. Ask what schedule you should keep.
- Inspect your roof, chimney, gutters, etc. Again a professional can do this or you can do it yourself. Some homeowners do it every year then have a professional come in on the 3rd year for example.
- Check your foundation for cracks and soil for unusual holes. This can mean there is a sinkhole starting.
- Inspect your walkway and driveway and repair any cracks or holes.
- Check your doors and windows for to see if they close properly or if they need to be re-sealed.
- Have an inspection done for insects especially termites.
- Check the expiration date on fire extinguishers and replace them as needed. Keep the expiration dates on your calendar.
- Remove and clear any tree branches that hang over your home or your neighbor’s home.
- Remove anything that can be caught up by the wind during hurricane season and store it indoors.
- Inspect your attic for openings.
When using professional services, be sure to do a background check to see if the person or company is licensed and certified to do the work you have hired them to do. Another thing to look out for is workers’ compensation insurance. If a worker in your home is injured, they will most likely be covered under their policy. If they don’t have worker’s compensation, they can sue you. That means you’ll be using your Homeowners Insurance policy to cover their claim. There should be no reason for that, especially when you are trying to prevent problems with your home.