Posts Tagged ‘retirement’

Ecological Garden Patio Furniture

Tuesday, March 16th, 2010

If you have a beautiful garden, then you probably have a patio of a deck so that you can get every last scrap of enjoyment out of it. Most patio furniture is left outside for a lot of the year so it is best to get high quality garden patio furniture. High quality garden patio furniture is essential if you expect it to withstand the rigours of all kinds of weather and yet last a reasonable length of time too.

Another factor, particularly these days, is the ecology. People want to have as little impact on the ecology as possible, thereby reducing their carbon footprint, as they say. The manufacture of plastic involves polluting the environment with more CFC’s and disposal can cause problems too. Plastic can take decades and decades to bio-degrade.

Metal patio garden furniture also has its issues. It has to be mined and fabricated and people are beginning to worry about robbing Mother Earth of her minerals, but at least old metal can be recycled. That leaves us with timber and in particular hardwood. Before, there was a great deal of concern in almost every country about logging, but a lot of countries have the problem under control now after sustained pressure from the West.

Most people realize these days how important it is to look after our planet. There is even a special day to help people remember the Earth’s dire state called ‘Earth Day’. Using hardwood from replenishable sources is the best way to maintain our forests.

Garden furniture made from hardwood from a guaranteed sustainable source is the most ecological way out. If you maintain your hardwood furniture according to the manufacturer’s recommendations for the type of wood you have, it will last for a decade or more. Far longer than any plastic or metal furniture, which you might well have to replace every two years or so.

Acacia hardwood offers a hard wearing and comfortable alternative to teak. In fact, this type of wood is much like teak, as if you leave it untreated it will transform to a silvery grey color. However, it is best to treat all hardwood once or twice a year with suitable oil in order to maintain the warm tones of the timber.

Most people will have a garden patio furniture set of up-right chairs, loungers and a table or two or a nest of small tables. However, there are a few other pieces of furniture that will help you get more enjoyment from your garden. It is nice to be able to sit in the garden after it gets dark or when it is a bit nippy too. This can be achieved easily with a few accessories.

I suggest a patio heater, an electric mosquito killer and suitable lighting. Patio heaters are not expensive any longer and a single upright propane heater will keep up to eight people warm, depending on their seating arrangement. An electric mosquito killer will usually keep a whole garden clear. In fact, some will keep a quarter of an acre or more clear of flying insects. These two items may supply enough light for you, but is best to have a few spots to highlight a plant in bloom or to read by.

Owen Jones, the author of this article, writes on many subjects, but is currently involved with commercial patio heaters. If you are interested in patio heaters too, please click through to Residential Patio Heaters.

Patio Heaters In Business

Tuesday, March 2nd, 2010

If you run a restaurant, pub or any business using outdoor facilities in a temperate climate zone, then you will know that custom is likely to drop off when the weather gets colder. You know that you would not sit outside shivering yourself, so you do not expect anyone else to do it. The only answer is to modify the outdoor ambient temperature to an suitable level.

I have seen this done to astonishing effect in Prague in October when there were heavy snow storms. People wanted to sit outside and get pleasure from the snow storm as long as they were fairly warm. A person’s primary heat comes from the body and is retained with decent clothing, but it is nice to have a patio heater near-by just to add a glow to your face and hands.

If you have a business that only opens when it is warm enough, then you have an expensive business and these days expensive businesses do not last long. You need to wring every last cent out of your business real estate and if that means putting patio heaters in, then that is what you ought to do.

Patio heaters come in a range of forms, but they are not that dear to buy. Sometimes you can hire them too. Most of these outdoor heaters run on canisters of propane or butane gas, but there are mains gas varieties too. There are also electric ones, but they tend to be costly to run, unless you can generate your own electricity.

I think that the best two types are the box type where the gas canister goes inside the apparatus and the heat is directed at foot to knee height and the street lantern style, where the heat comes down from about seven or eight feet in height. The gas canister also fits inside these models lowering their centre of gravity and making them more difficult to unintentionally knock over.

These heaters are very safe although patrons should be advised to exercise care if they have young children with them. A standard heater will keep up to two tables and eight people warm enough to enjoy themselves even while it is snowing.

The hire of a few of these patio heaters or even their purchase will soon be off-set by your augmented custom, especially if your competitors are not using them. My wife and I will never forget our time in Prague, when it was snowing, drinking coffee and eating cake outside, watching people go by while we were as warm as toast due to the restaurateur’s prudence in providing patio heaters.

Owen Jones, the author of this article, writes on many subjects, but is currently involved with the propane outdoor heater. If you are interested in patio heaters too, please click through to Residential Patio Heaters.

Garden Patio Layout

Monday, March 1st, 2010

After you have finished buying in your garden patio furniture and you have set it out as you like, it is time to park yourself in one of your new patio chairs with one of your favourite drinks and maybe a pen and paper, and take stock of the state of affairs.

Is your garden patio a little congested or do you have loads of room? Are there other things you would like to have out there? How about plants? Do you have enough plants and bushes – eye candy? Will you be using it only in the daytime or in the evening or even at night too? Will you need lighting, for example?

This is where your own personal stylishness can be added to your shop bought furniture to make the patio truly your patio. So, if you live in a house that only has a small garden, you might want to think about things that hang rather than things that must be sited on the ground, which will take up walking space.

If you do not have much space, but you want to grow plants with edible fruit such as strawberries or tomatoes, you could get some hanging baskets. You can hang them from bushes or standard lamps or fix them to a boring wall. In the same way, you could grow herbs or other small flowers in a window box which has been fixed to a wall or placed on top of it. Or put shelving up and put boxes and pots on that.

If your patio is too bright, you could grow sunflowers or put up a trellis or an arbour and grow vines or clematis up it. Bamboo grows quickly too. If it is too shaded, plant lots of bright yellow and white flowers and maybe paint the walls white or pink, if you are not keen on glare.

If your garden patio is a much larger, you could add garden accessories in order to further your enjoyment. For instance, you could construct a barbecue area out of stone slabs or bricks. You could add a fountain too. A fountain makes the very soothing sound of running and splashing water and fish are a delight to watch.

For the colder months, you could construct a fireplace, if local bylaws permit or get a patio heater. They are very efficient and can keep a fair radius warm, depending on the ambient temperature.

You will probably need some form of lighting as well, if you plan on spending some evenings on your patio. I suggest a few spotlights to highlight your favourite flowers and the fountain and a broader beam light that you can read by. Do not put these lights near where you intend to sit because they will attract flying insects. However, they make a good distraction from you and will keep all but the blood sucking insects away.

For parasites such as mosquitoes, you should get some form of mosquito trap. Some are very good and promise to keep a quarter or even half an acre clear of mosquitoes and other such nuisances.

For all these extra accessories you will need power points. Therefore, if you plan your garden with pen and paper as I suggested at the beginning of this article, then you will be able to show the electrician where you want the points and what-not in your new garden patio layout.

Owen Jones, the writer of this piece, writes on many topics, but is currently involved with commercial patio heaters. If you are interested in patio heaters too, please click through to Residential Patio Heaters.

The Workshop Or Home Office Heater

Thursday, February 18th, 2010

If you have converted your garage into a workshop or home office, you are sure to need heating in one form or another. This is because most garages are not built to the same standards of insulation as the main residential building. However, that need not present a difficulty. You may even have the opposite problem during the summer, as garages often do not have windows, or at least large ones, either.

Ventilation could be another matter that you will have to cope with, but we will come to that later. If you have a plentiful supply of dead wood, you could set up a pot-bellied stove, but you will have to vent the flue outside. This is very easily done, since most garage walls are only one brick or block thick. However, if they do not burn correctly, there can be a smell, which you may find unpleasant.

Or you could use a paraffin/kerosene heater. They are cheap to buy and are readily portable. These heaters do not necessarily have to have a flue. They are easy to turn on as many of them employ an electric starter. Some also have a thermostat to regulate the temperature. They can be a hazard if there are children around as they can be tipped over. However, for most people, the glitch would be the smell given off.

You could use an electric hot air heater. They are quite cheap to buy, are easily portable and do not require a flue, but they can create a very dry atmosphere and are costly to run.

One of the most common choices these days is a gas heater. There are many different types of gas heater, but most run on butane or propane. Most of the models are fairly inexpensive. The main benefit of a gas heater is that they give consistent heat, are fairly cheap to run and are portable. Or at least many of them are.

You could have one built in, but it is scarcely worth it, unless you are using gas that needs to be vented. Propane gas heaters also come with or without thermostatic controls. A propane heater could also double as a patio or deck heater on chilly evenings.

These gas heaters come in two forms: vented and unvented. The unvented models are the portable ones. They use the air from the room and the vented models have a flue that vents straight out of the garage. The slight disadvantage of the unvented model is that you have to keep the room airy at all times.

Therefore, if you decide on a portable, unvented propane heater, you must leave a window partly open in order to allow the exchange of air and these heaters can be used as patio or deck heaters during the spring and autumn/fall. However, the vented gas heaters are fixed and have a flue attached, so they cannot be taken outside. Furthermore, if you opt for a vented model, you would be better off getting a professional in to install it for you properly.

Owen Jones, the writer of this piece, writes on many topics, but is currently involved with the propane outdoor heater. If you are interested in patio heaters too, please click through to Residential Patio Heaters.

Tips For Selling Property Online

Thursday, January 7th, 2010

These days technology seems to dominate how we do things. We see technology in almost everything but it is most obvious with our use of the home computer. So when it comes to selling our most prized and most expensive possession, our homes, then naturally we can turn to the internet as a primary vehicle for marketing. There are many web sites that allow you to advertise your property on their sites. Maybe they charge a fee or maybe you can do it free. Do a bit of research and see what is available out there. Try a few out and see what happens.

The biggest advantage you have on marketing your property online is you can add all the detail you want. You can mention the reasons that originally sold you on your own purchase as well as a full explanation of why you have done any and maybe all upgrades. You can also list the valuable points of interest with in the area…how close is the local elementary school??? Is there a major chain supermarket within walking distance?

Use your own photographs to showcase your property. Make them as appealing as possible and choose the best time of day and the best weather conditions to best promote the property. Cast a critical eye over the photos before finally making your choice. First impressions count and these pictures are your biggest asset in marketing your property.

Don’t discount the use of online video as well. The human animal is much more attracted to watching “moving pictures” then looking at even the best professional photographs. it comes from our hard wiring when we use to sit around a campfire and watch the flames. It is not hard to get your video online most sites have small tutorials to help you with getting your media online. For that matter if you have a teenager in the family..ask them…most kids these days are far more computer savvy then most adults.

Placing your own property online is far easier then most people think…the hardest part is conveying the quality of the property and the passion you had while you owned it.

Doc Schmyz has invested all over the US and Canada. He built a free website shares Real estate investing information for all over the US. Find real estate information by state

What You Need To Know About Foreclosure Scams

Saturday, December 12th, 2009

Home foreclosure is becoming a far more common problem now then it was just a few years ago. Often it originates from one missed payment which soon spirals out of control. Before you know it you have missed three or four payments and the mortgage lender or bank wants you to pay everything you owe all at once, right then and there. Often this is a major burden to the homeowner and in the end they must decide on some sort of plan of action…this is normally where one can fall for a scam.

Foreclosure scams are very common as much as the problem itself. Since homeowners believe that they have no choice they fall for these traps, which of course make their situation much worse than it was.

The people who work these scams advertise online, publish advertisements in the local newspaper, distribute flyers, and call houses which are included on the foreclosure list. Sometimes they call themselves “mortgage consultants/real estate investment planners” who offer foreclosure services or advertise with “We buy houses” signs.

Some of the more common scams.

Foreclosure Bankruptcy Scam

The promise here is that the house will be saved. In return they will either ask for the homeowner to pay their mortgage directly to them, hand over their deed and pay rent, or obtain refinancing. of course they don’t do ANYTHING to fulfill the other end of the bargain, they don’t contact your lender or obtain refinancing for you. They keep all the money and file bankruptcy without your knowledge.

Since the homeowner is not aware that bankruptcy has been filed, they fail to participate in the case. The case is dismissed and the house continues onto foreclosure. Apart from loosing money and your home, you will also have a bankruptcy on your record.

“Skimming” or also called Equity skimming

The scam operator poses as a buyer. They then promise the homeowner to pay the mortgage or given them a sum of money once the property has been sold. The operator then convinces the homeowner to sign over the deed and move out. The homeowner can stay but they have to pay rent. If they opt to move out the operator lets a third party rent the property. The scam operator of course does not pay the mortgage and lets the mortgage lender foreclose.

In the event the house has equity, the scam operator sells the property and pays off the debt. (And keeps the equity that the homeowner could have had if they sold it.)

Should you find yourself facing ANY of the above mentioned situations….contact a local mortgage office and ask them if they have ever heard of a “program” like the one you would be offered…if they say no….call the local police and ask for the consumer fraud division.

Doc Schmyz has worked with investors all over the US and Canada. His website shares Real estate investing information for all over the US. Find real estate information by state

Best Chance To Save Your Home From Foreclosure: Talk To Your Lender

Saturday, December 12th, 2009

When your home is on the verge of foreclosure, you certainly will do anything possible to save it. But the problem is how you will do it. One, among many, is going to your lender and asking for help.

For others, contacting the lender at the first sign of financial problems seems to be not such a good idea. It may be because they are embarrassed to discuss money issues to others or they simply don’t see the need to inform their lender right away of their present financial standing, most of the time they are thinking it is a temporary problem.

Most people have the perception that lenders, like banks, think only of themselves and don’t care about the future of the borrowers. This leads to the common notion that lenders show no mercy to homeowners who have defaulted on payments and will take the homes when the very first window of opportunity opens. The truth is lenders like owners will do everything they can to avoid home foreclosures. So again, the best way to save your home is to work with your lender to solve the problem.

In most cases lenders will send a Notice of Default if you miss payments for 3 consecutive months. Call your lender as soon as possible. Inform them why you have defaulted on a payment and ask for an alternative payment schedule or temporary lower rates until your finances have returned to normal. You can also ask for Forbearance which is where your lender waives some of the penalty fees as a result of default or a mortgage refinance without going through the process of re-application, whichever you think is more economical. Mortgage lenders are NOT IN THE REAL ESTATE SELLING BUSINESS, thus are more than willing to help you to avoid repossessing your home.

Talk to your lender, inform them the cause of your delay, and ask for payment alternatives. DO NOT WAIT!!! Act fast. Understand the gravity of the situation and do something about it. It is your obligation to pay your mortgage but when worst comes to worst, your lender wants to help you keep your home.

Doc Schmyz has invested all over the US and Canada. His website shares Real estate investing information for all over the US. Find real estate information by state