Tips on Creating a Home Gym

My Dream Home Registry asked:

Getting in shape is on the minds of many individuals these days. Some choose to obtain gym memberships whereas others would like to have the convenience of working out at home. For the latter group of individuals, creating a home gym might be the perfect option to bringing the optimal exercise atmosphere home to you. If you are interested in creating a home gym and making working out as convenient as can be, the following will provide some tips on how to make your dream of a home gym reality.

Figure Out Where the Home Gym Will Go

The first step to creating a home gym is to figure out where it will be placed within the home. If you have a separate room which you can set aside as your workout location, this is ideal. However, for those who have limited space within the home, it is completely possible to create a home gym in a room which is used for other purposes as well. Take a good look around the home and determine which area would be most suitable for your home gym location.

Determine How Much Space Is Available

When creating a home gym you also want to determine how much space you will have available. Doing so in the beginning will help you to decide what type of workout equipment you want to buy for your home gym. Before making any equipment purchases, take down some measurements of the available space as this will prove helpful when shopping for workout products.

Peruse Different Types of Gym Equipment

Some individuals will know exactly what types of gym equipment they want to buy for their home gym whereas others may need to peruse the options before deciding on particular types thereof. Try searching various equipment options online and in fitness magazines to see which ones peak your interest. Also, if you are interested in working out specific portions of the body try searching for equipment which will work out those areas in particular.

Shop for the Home Gym Equipment and Furnishings

Once you have a good idea as to what type of home gym equipment and furnishings you wish to buy, the next step is to make the desired purchases. Buying items at sporting good stores and fitness retailers will often provide one with the most options. Try visiting your local sporting good stores so that you can view the equipment in person and even try it out. Later, if you figure out what brand equipment you want and have tested it out in the stores, look online for the items as these may yield the best prices. However, just be sure that the online retailers ship for free as these products are often quite heavy which can make for extremely expensive shipping costs.

In addition to the fitness equipment, you may also want certain furnishings in your home gym. Items such as a chair, towel rack and even a television for viewing while working out may be good purchases. Consider what extra niceties might fit perfectly within your new home gym and check out options with regard to those as well.

Time to Set up the Home Gym

Once everything has been decided upon, purchased and received, the final step is to set up your new home gym. Prior to setting the equipment up you should already know where everything is going to go as it will be difficult to move things around too often due to the weight of a lot of exercise equipment pieces. Since most equipment will need to be assembled, try to do so in the home gym room as this will make for an easier time getting everything set up and ready to go. Once you have it all set up, you are ready to get started working out in the convenience of your own home.

Need help paying for your home gym? Check out www.MyDreamHomeRegistry.com and make your dream a reality.

Banks Do not Want to Foreclose Your Home

Gen Wright asked:

When the phone is ringing every day and the bank is threatening to foreclose your home, because you are behind on payments, it is easy to believe that the banker is drooling over the possibility of foreclosing on your home. But you should know that the bank stands to lose a lot of money if they are forced to foreclose on your home. Read this article to learn the real truth about banks and foreclosures.

With what I have learned about banks and foreclosure over the last couple years, the information that I am about to share with you now, could have helped a few of my friends avoid losing their homes. Because I could not help them in their time of need, it is my hope that I could help you now, in your time of need.

I know that my initial suggestion that “banks do not want to foreclose on your home” may seem far-fetched to you now, but by the time you have read this article in full, you will recognize that you have more power over the bank than the bank would care to admit to you.

The Truth Is In The Numbers

Let us suppose for the sake of this story that you paid $100,000 for your home. And let us suppose that you put a full 20% down on that home five years ago. In this scenario, your bank loaned you $80,000 to help you purchase your home, and at best, you have probably paid $10,000 towards the principle of your home loan.

In the past year, you suddenly found your finances stretched for one reason or another. Perhaps you changed jobs, or your business contracted with the economy. Perhaps you had a financial emergency that required a lot of cash to solve, and now you find yourself struggling to catch up on the rest of your bills.

In the end, it really does not matter the reason for your current financial crisis. It will have little bearing on the outcome of this story.

This is where most people make a mistake in their understanding of the banks’ motives in threatening foreclosure. The bank is not threatening foreclosure because they want your house. The bank is threatening foreclosure, because they want to spur you to action, to fix your current financial crisis.

I know you are thinking that the bank will sell your home for its full retail value, but they won’t, because they cannot afford to hold onto your house for a long period of time. In order to sell a home for full retail price, the bank would need to commit to holding the home, perhaps for years, until that perfect buyer arrives to buy it.

If you force your bank to foreclose your home, your bank will put your house up for auction at a sheriff’s sale. PAY ATTENTION… this is important. When your bank puts your house up for auction, they will generally only get 35 to 40 cents on the dollar for your home.

The bank is currently out 70 cents on the dollar against the retail value of your home, but if forced to auction, the best the bank can expect to get out of your home is half what the bank has invested into your home!

In the scenario I have outlined here, you owe $70,000 on a $100,000 home. But if you force the bank to foreclose your home, the best the bank can hope to achieve is to get $35 to $40,000 for your home at auction. Do the math. If your bank forecloses your home, your bank will lose between $30 and $35,000, when they sell your home. Ouch!

This is the key information that you will use to stop the foreclosure of your home. As you can now recognize, your bank needs you to stay in your home, more than they desire to foreclose on your home.

Leverage

As should now be obvious, you as the homeowner have a lot of leverage over your bank. And if you play your cards just right, you will not have to lose your home.

If you find yourself behind on payments and you are looking for a way to save your home from foreclosure, you need to speak to a company like National Foreclosure Counseling Services (http://nfcscorp.com/). NFCS is a company, which can help you negotiate a repayment plan or loan modification on your behalf.

When NFCS contacts your bank on your behalf, your bank knows that you are interested in taking whatever steps are necessary to get back on the straight and narrow with them. When banks realize that you are serious about staying in your home, they have to weigh the options of negotiating a loan modification or losing an average of $30,000 when they foreclose your home.

If the bank has someone in a home that wants to stay in the home, then the bank stands a chance of retaining some of their profits on their original loan, if they are willing to renegotiate the terms of that loan. However, if the bank is forced to foreclose on the property, then chances are good that the bank will lose a lot of money.

Think about it. Your bank does not want to foreclose your home. It is in the best interests of your bank to keep you in your home, period.

National Foreclosure Counseling Services (http://nfcscorp.com/) has a proven track record (with documentation) of helping families such as yours renegotiate with their banks to help them to stay in their homes. In just the last 90 days, NFCS has helped 600 families renegotiate with their banks to avoid foreclosure.

The Most Important Step In This Process

You have the power to save your home from foreclosure, if you simply decide that you want to exercise your power of self-determination.

Who knows? You may have decided that you don’t want to try to hang on to your home for whatever reason. So long as you understand that a foreclosure will hurt your credit for at least ten years, perhaps preventing you from being able to buy another home, then by all means, it is your choice to accept foreclosure or not.

The current real estate crisis will not last forever, and housing prices will rebound eventually. Even if you see yourself upside-down in your home now, you may just find that if you hang on to your home another five or ten years, then housing prices will bounce back and you will survive the current real estate crisis without great financial loss.

But if you are like most people, you probably cannot bear the thought of losing your home and the equity you have so far built up in your home. If you desire to hang on to your home, then you alone must take that first step towards saving your home from foreclosure, then you should make it a point to get in touch with the folks at National Foreclosure Counseling Services, as shown below.

Author’s Note: This article was originally posted at: http://cash-advance-payday-loans.org/blog/banks-do-not-want-to-foreclose/2009/01/

Seven Advantages of New Homes Over Resale Homes

Joshua Ferris asked:

Once you start house hunting there is no doubt one of your first stops will be at a new homes website or community to see what they have to offer in the area you would like to live in. In fact, new homes have stepped up to win the hearts and minds of homebuyers for the better part of the past decade where we’ve seen an unprecedented explosion in new home construction and buying. What was once considered a luxury reserved for the rich and famous, new construction has opened the door to all price ranges and styles including luxury high-rise condominiums, townhouses, active adult communities and single-family homes.

There are a tremendous number of benefits to owning a new home including the ability to customize the home to your liking, meeting all the new neighbors as they move in and substantial savings in utility costs with new homes now being built to a higher, more energy efficient and green standard.

It’s your house. No, REALLY your house. – When you buy a resale home you are purchasing a home that someone else crafted to suit his or her lifestyle. Sometimes it’s just perfect and exactly what you are looking for but more often than not there are a few “Why did they do that?” issues with a home that you will have to renovate or remove when you move in to fit your lifestyle. When you build a new home you will be able to choose exactly what you want and where you want it so you can move in and not have to touch a thing.

Everyone else is new too! – Resale communities are great because you can see the neighborhood, how people care for their homes and everything is already established but those same benefits can prove to be cons when you are the only new neighbor on the block. Moving into a new home grants you the privilege of meeting the neighbors when they are also looking to meet new people and settle into the community. There won’t be any pre-established social circles to work your way into and you will be discovering new things about your neighborhood at the same time everyone else does.

Newer homes are more attractive when you resell. – Life happens. You might have to relocate or you make a lifestyle change a couple short years after you move in. The good news is that newer homes are more attractive to prospective homebuyers because it’s their opportunity to buy a newer home without the price premium associated with new construction. Better yet, you’ve already purchased all the appliances and upgrades for the home and many parts of the home are still under warranty making the home a great inclusive value. This will compare favorably to older resale homes that may require renovation or updating to make it livable for the modern homebuyer.

Location, Location, Location! YOU choose! – When you shop for resale homes the homes you find are obviously fixed to their current location. How many times have you seen a great resale that would be absolutely perfect if it were a little closer to the community clubhouse or offered a larger back yard for the kids to play? New homebuilders typically offer a range of model homes to choose from and you can usually place that model on a lot of your choice. Now you can have the home of your dreams in the cul-de-sac you’ve always dreamed of!

In the current market new homes may be a better deal than resale homes. – That’s right, the market shift has turned the tables. Now buyers have the market in the palm of their hands and can get some really outstanding deals on homes but you have to know where to look. Resale home owners may be willing to deal but in the past thirty days I have been able to successfully negotiate $69,117 off the asking price of a new home for a client and then shortly after located a home for another client and negotiated $91,000 off the asking price and we are still in negotiations to get even more from the builder. By the way, these home prices included upgrades! I have never met homeowners who were willing to accept a substantial reduction on the price of their home to the tune of more than $60,000. As a matter of fact, many homeowners have overpriced their homes on the market because they owe more than the home is worth and they cannot afford to go lower in price.

Buying Tip: To score a new home deal you can’t walk in and offer builders $400,000 under what they are asking for the home. Fantastic deals can be found however if you find the right buyer’s agent who specializes in new homes because their experience, relationships with builders and negotiating ability will help you save thousands of dollars.

That brown carpet and tiny kitchen? Soooooo 1970s! – Kitchen big enough for one? Small closets, shower only bathrooms and carpet everywhere? Not for today’s homebuyer! The modern lifestyle is drastically different from what it was even ten years ago and resale homes often lack the oomph and space to satisfy. Today’s homebuyer wants a bright, open kitchen with breakfast bar and high-end appliances. We now do most of our living in the kitchen! Soaking tubs in the master suite and walk-in closets are now considered standard staples of the modern home. New homes often feature these amenities as a part of their standard offering and are even starting to prepare homes for the future including the addition of whole house networking and walk-out basements that can be finished as future living space.

New homes save money with efficiency and green building techniques. – Many new homes are taking advantage of the Energy Star standard which sets forth a number of requirements that products like windows and doors must adhere to in order to achieve an Energy Star rating. In addition to Energy Star many builders are now offering green building and living options like the installation of solar panels on the roof of a home to harness the sun’s energy and convert it to electricity. If you install enough solar panels you may just have the electric company paying you for the electricity you are producing! These features are often very costly to retrofit a resale home with if it wasn’t initially built to these standards.

The next time you start searching for homes be sure to consider all of your options including new construction. When buying new construction you should take into account the fact that most new homes take approximately four to six months to build. You will also devote more of your personal time to building the home as you will need to choose home upgrades and work with your agent through the inspection and financing processes.

Happy hunting!

Are You Purchasing Your First Home as a Couple?

My Dream Home Registry asked:

You have decided to purchase your first home – together. This is a very exciting time, but it is not without pitfalls. Communication is the key. What do you need from your home? What do you want in your new home? How much can you afford to pay? Are you going to use a realtor? Where do you want the new house to be located? Where can you find furnishings for your new place? These are all important questions you should discuss prior to looking for a new home.

Wants vs. needs

The decision is made that a new home is to be bought, but what features are wants and which ones are needs? How many bathrooms do you need? Are you planning to stay in the house for 30 years or only 5 years? Will you need room for your family to grow? Will your new house have a pool? How about a hot tub? Do you need a large yard or a small yard? The number of bedrooms and bathrooms is an important consideration.

Obviously, the number of bedrooms and bathrooms greatly influence the amount the final price will be, but if you will be enlarging your family, make sure you buy as much house as you can afford. As you tour the various houses, it is important to also envision your furniture or your prospective furniture to ensure there is plenty of space. Make sure you talk about closet space, furniture placement, color for the walls, and future renovations. Dream together and paint the picture of your future. Remember, this can be more fun that exasperating.

Will you be able to afford a house with a pool or hot tub? Do you need outdoor furniture? A pool/hot tub is usually considered a want and may need to be forfeited to obtain the number of bedrooms and/or bathrooms you desire. Make sure you have discussed this in advance to ensure you are in agreement.

Can We Afford a New House?

Before you start looking for a new house, you may need to be pre-approved for a loan. The financial institution you have decided to use can help you determine how much house you can afford to buy. Try to remain well below the upper amount of the range given to ensure you are able to afford to also furnish your new home and do any upgrades you would like to do in the future.

Is a realtor important?

You may want to consider using a realtor especially for your first house purchase. A realtor is priceless for finding a house in a good location and for negotiating all the paperwork for a purchase. (Of course, it helps to have a lawyer to have around for the closing). Realtors know the areas that they sell. They are usually versed on which schools are good and where various entertainment venues are.

Closing

Closing is the best and worst part of buying a house. You will likely wish to have a lawyer available to look over all the paperwork before you sign anything. Make sure you have a clean title and all the necessary papers are in order. You will be signing until you think your wrists will break. When all the signing is done, you will be handed your keys for your new house. Congratulations as you have survived the process of buying a new home. Now the fun begins.

Home at last

Once you have gotten your new key, you will need to move in. During the moving process, take time to reflect on your dreams for the future. Don’t forget to have a house warming party once you have settled in and invite all your friends to your lovely new home.

Need some help paying for that new home or what goes in it? Take a look at www.MyDreamHomeRegistry.com, the gift registry for everything home.

Observing The Best Work At Home Idea For You

Work Online from Home asked:

A lot of people are attracted by their dream of being able to earn an income working online from home. But keep in mind the work at home idea is a lot more than just lying around and doing the occasional chore along with a bit of work to earn your living. Try and understand that this job does not have the security that an office job might have had. It takes hard work and a sticking to certain methods so you can be free and independent as well as a success.

The lure of easy money fills many of our dreams and when we work out of home, we are even more susceptible to get rich quick promises. Even if they do work, it is hardly anywhere like the fantastic results that they promise you in all those ads that you see about them. Surveys and data entry are some of the common ones in this category. One imagines doing a few surveys in the morning, then a leisurely lunch may be, then doing a few more surveys and ending up with several hundred dollars for the day, this is ridiculous.

You will not be able to sustain yourself with these if you are planning to do it on a regular basis to earn your living. However, not every work at home idea can be considered to be a scam though there are a good number of them around to make you concerned. Of course how well you do will depend on how good you are.Writing articles is a good way to go if you are good at writing. However, in the beginning at least you will usually find that you are writing for others who are selling your efforts on. For this reason, unless you are really lucky, don’t expect to earn much; the average is about 5 dollars for a 500 word article and while you can get by on this if you work hard, you won’t get rich. A progression on article writing is to write for yourself and sell them on and writing public label rights, or PLR, articles can be more lucrative in the long term.

The trick is to write say ten articles or so and then sell them at a reduced price but to not one but many people. The math would be like this: if one charged for a set of ten write ups and when sold to 30 other persons, it multiplies to 0, making the original worth per article versus . You need to put in constant efforts to make your work at home idea replace the rat race 9to5-employment, and try to take care to earn a regular income online by being disciplined. It probably won’t be easy at first, but after you have ironed out all the kinks and streamlined the process, it will become easier. At some point and time, it may even be possible to put together a group of writers that you are able to outsource all of your work to, and this is when you are going to start earning some really good money.

A lot of people are attracted by their dream of being able to earn an income working online from home. But keep in mind the work at home idea is a lot more than just lying around and doing the occasional chore along with a bit of work to earn your living. Try and understand that this job does not have the security that an office job might have had. It takes hard work and a sticking to certain methods so you can be free and independent as well as a success.

The lure of easy money fills many of our dreams and when we work out of home, we are even more susceptible to get rich quick promises. Even if they do work, it is hardly anywhere like the fantastic results that they promise you in all those ads that you see about them. Surveys and data entry are some of the common ones in this category. One imagines doing a few surveys in the morning, then a leisurely lunch may be, then doing a few more surveys and ending up with several hundred dollars for the day, this is ridiculous.

You will not be able to sustain yourself with these if you are planning to do it on a regular basis to earn your living. However, not every work at home idea can be considered to be a scam though there are a good number of them around to make you concerned. Of course how well you do will depend on how good you are.Writing articles is a good way to go if you are good at writing. However, in the beginning at least you will usually find that you are writing for others who are selling your efforts on. For this reason, unless you are really lucky, don’t expect to earn much; the average is about 5 dollars for a 500 word article and while you can get by on this if you work hard, you won’t get rich.

A progression on article writing is to write for yourself and sell them on and writing public label rights, or PLR, articles can be more lucrative in the long term. The trick is to write say ten articles or so and then sell them at a reduced price but to not one but many people. The math would be like this: if one charged for a set of ten write ups and when sold to 30 other persons, it multiplies to 0, making the original worth per article versus .

You need to put in constant efforts to make your work at home idea replace the rat race 9to5-employment, and try to take care to earn a regular income online by being disciplined. It probably won’t be easy at first, but after you have ironed out all the kinks and streamlined the process, it will become easier. At some point and time, it may even be possible to put together a group of writers that you are able to outsource all of your work to, and this is when you are going to start earning some really good money.

Your Home Appraisal –what’s the Big Deal?

Kristin Abouelata – Home Loans asked:

Think about why this is true. A good appraisal is the best reassurance that the lender won’t lose its pants on the transaction. If the borrower defaults, the lender still has a marketable property that can be sold to recoup its losses. All of which makes it understandable why lenders are so picky about appraisals. And with recent changes in the industry, the focus by lenders to obtain good appraisals is at the forefront.

Appraisals typically cost anywhere from $350 to $400. However, if the house is gigantic, multi-unit or in the boondocks, it could run more. The cost varies on property type, location and square footage.

The most common type of appraisal is the Uniform Residential Appraisal Report (URAR). It consists of interior and exterior photos and sometimes (depending on the age of the home), a complete cost breakdown of the property and comps (comparison sales of homes nearby that meet the proper criteria). These comps help determine the “market” approach. Each comp sale is adjusted in value when stacked against the home being evaluated (the one you’re buying or refinancing). Usually you will see a comp below the value of your home, in line with the value of your home, and a third above the value of your home. Kind of like the three bears. But if the valuation gets tricky, you can see fourth, fifth and sixth comps. The net value of the comps is estimated based upon the approaches used to come up with the appraised value of your property (meaning the appraiser performs some type of calculation that’s kind of like an average, but not necessarily a true average. Confused yet?)

URARs also, typically but not always, reflect a cost approach, which determines what the value would be based upon what is estimated it would cost to rebuild the home, less depreciation. The final estimated value of the home is then determined by using a melding of the market approach described above and cost approach (if applicable).

Lori Babb, Staff Appraiser for Mortgage Investors Group of Knoxville, TN, further explains comparables. “The best comparables are those similar in size, style (ranch, basement rancher, 2 story, etc.), age, and are close in proximity to the dwelling being appraised,” she explains. “Unique properties will typically require more adjustments than the average properties.”

So, say you’re Bill Gates and want to secure a mortgage on a $200,000 home (I know, it’s ridiculous, but I’m trying to make a point). He’s got the best credit profile a lender could imagine, yet the house appraises for $175,000. Deal or no deal? You better believe it’s no deal. The sales price will have to be lowered, or Mr. Gates will just have to pay cash for his new home (you think he can afford it?). The point is, your average Joe won’t go ahead with the deal without a price adjustment, and he will be obligated to pay for the appraisal regardless of the outcome of value.

Dan Tyrell, principal of Knoxville area’s Tyrell Appraisal Service, Inc., has this comment about value, “When determining value of a single family house, beauty is more than ‘skin deep’. Fresh paint, new carpet, new appliances, and nice landscaping all enhance the marketability of a house. Not so obvious items also impact the appraised value of a house. For instance older houses that have replaced plumbing/electrical systems, updated HVAC systems, newer roofs, replacement windows, etc. lower the effective age of the property which in turn increases the appraised value.”

There are other types of appraisals that are not as common, like an Automated Valuation Model (or AVM). In this case, different factors combine to ensure the value of the home (it’s worth $200K, but your loan amount is only $100K) and your unbelievable credit worthiness (800 credit score!), allowing you to skip purchasing a typical appraisal. You may also only be required to get a “drive by” appraisal, where the appraiser just inspects the exterior of the subject for size, looks at the lot and makes you wonder who that person standing by your mailbox is.

Most lenders control what appraiser is used to determine the value of your home. After all, it’s their money on the line. The appraisal is such an important factor to the mortgage transaction – make sure you’re satisfied with the results. Your lender will make sure it is satisfied!

Linking Strategies for Your Home Based Internet Business

Home Income Team asked:

In order for your website to get a good search engine ranking you need to have people linking to you. There are several ways to do this that I will explain and this will help your home based internet business thrive with hits and sales

1. One of the best ways to raise your ranking by the search engines is by offering content that people need and they will naturally link to your site because of the information you have provided. Most people are looking for information, tips, and tricks that they can use. For example this article, if you did not already know, this article will give you ideas on how to increase your rankings and get more traffic to your home based internet business site.

2. Next big tip is to write articles about your topic of interest. People like new information so do search engines. Include a link to your site in every article you write. Not only is this an inbound link it will help raise your ranking. There are several places to submit articles to on the web. Do a google search and you will find several. Some of the most popular include this site. plus Hello article and Article Dashboard. Make sure you include a link to your site at the bottom of each article you submit. Then for the anchor words, use your keywords that you are trying to get a good ranking for. Example would be: "Profitable Home Based Internet Business".

3. Exchange links with other site owners or sign up at a reputable link exchange company – try and find sites with relevant information to your site, for example "profitable home based internet business". Whatever you do, DO NOT join a link farm. The search engines will penalize you for this.

4. Research your competitors links. Find sites like yours and see what sites link to them . For example if your keyword is "profitable home based internet business" you might want to go to google.com and type in that keyword. When the results come up check out which sites are like yours. You can go to google research and find what links to the url you are interested in.

5. Internal Linking strategy will also help you. Search engines like internal linking. For example if you have a five page website pages, you should have links to each page. In addition, if you have more than one website you should definitely link to them on each page.

How to Build a List for Home Based Internet Businesses

Home Income Team asked:

Make your promotional materials interesting and fun will help your home based internet business. Try to use a little creativity but not too over artsy. Build around what your product or service is about. For example; if you are selling car parts, put some pictures of what is new in the auto parts world, a new wing door possibly that can fit any car and make it look like a Lamborghini.

Try to research what people are looking for, these way, you stay one step ahead of them all the time and you will be their bearer of new tidings. They will be eager to receive what you are sending them because they new you always have fresh and new things to share with them.

Write good articles that can be very informational but light at the same time. If your subscribers enjoy your articles, they will go to your site by clicking the links that you will be putting on your newsletter to read some more. You can provide articles that can connect to many people. Be diverse in your articles. Put something humorous, then put something informational, then put

something that has both.

Are you wary about this because you don’t like writing? No problem, there are many professional and experienced article writers that can do the job for you for minimal fees. They know what they are doing and can provide the need that you have for your newsletters, the money that you pay for your articles are going to be met by the many sign-ups and the potential profit from the sales that you will get.

Create and send an E-book to your customers about anything that is related to your business or site. Use your knowledge and expertise in the field you have chosen to help other people who are similarly interested. Offer this e-book for free. You can write about anything informational and helpful to your subscribers. For example; you can do manuals and guides in so many things. This e-book could be used as a reference for many people. A good example of this is the New ebook just launched called the Wealth Magnet System Success Guide. The link to the guide is in the resource box below.

Share this e-book with everyone, even other sites; just make sure that they don’t change the links in the e-book that will lead people to your site. If you want, you can always get some people to write it for you just like your articles. Your investment once again will be covered by the great marketing this will generate.

Add e-coupons in your newsletters that will help them avail to special discounts. Put a control number in your e-coupon so that they can only be used once. When people get discounts that can be found in your newsletters, they will be eager to receive your newsletter in anticipation of what you are promoting next.

If your subscribers can get benefits from your newsletters, they will be very eager to receive them. Just don’t flood your mailing list with mails so that you don’t annoy your subscribers.

The Joy Of Home Made Ice Cream

Safe Home Sue asked:

Remember when our mothers and grandmothers would drag out the red and white-checkered tablecloth? At our house, we knew that meant a picnic, with fried chicken, potato salad, deviled eggs, watermelon, and everyone’s favorite – homemade ice cream.  Our picnics were mostly in the back yard or on the river.  We had a favorite spot on the river that beckoned to us on hot summer days and nights.  We played, splashed and floated along with the gentle currents and it was the best part of life.  We didn’t have a lot of money then, or technological gadgetry, so our world and entertainment was outside and that is where we spent most of our time.  We didn’t think about what we didn’t have; we just enjoyed what we did have.  Life was uncomplicated, simple and free.

Everyone had to take a turn on the hand crank ice cream maker. Until the electric ones came along, that is how we made ice cream.  But no one seemed to mind the work because we all anticipated the fresh, taste of our favorite flavor. Funny thing is, everyone’s favorite was exactly the flavor ice cream we were making at the time! There is nothing like a cold, sweet treat in the midst of summer. Of course, even in the middle of winter when there is snow on the ground, we won’t hesitate to crank up the ice cream machine – even if we have to sit by the fireplace to keep warm!

Some attribute the first ice cream to Nero, Emperor of Rome.  He sent his workers into the mountains to bring back snow and then was mixed with fruit pulp, nectar and honey. Other research suggests that Marco Polo brought the recipe for water ices, the first frozen treat, from Asia to Europe.  However, the Alaskan Native People have been enjoying their own form of ice cream for thousands of years.  Made from reindeer fat, seal oil, fresh snow or water, berries, and on occasion fresh fish, this delicacy is called Eskimo ice cream, or Akutag, a Yupik word that means to mix them together. This was not only a delicious treat, but highly nutritious and Eskimos thrived on it, taking it on long journeys and hunting trips.  Today, Eskimo ice cream is made with Crisco, raisins, and sometimes sugar – each family having their own special recipe.  The contemporary recipe for Eskimo ice cream is 1 cup of Crisco, 1 cup of sugar, ½ cup of water berry juice or snow, 4 cups of fresh berries. Cream Crisco, sugar until light and fluffy, add liquid until well mixed and add berries one cup at a time, folding them in.  Freeze before serving. I can tell you right now, my mother would have loved this recipe – she used Crisco for everything!

In 1846, Nancy Johnson, a New Jersey resident invented the hand crank ice cream maker. Unfortunately she did not patent her invention and as they say, the rest is history with the first commercial ice cream plant started by Jacob Fussell in 1861.

For picnics and outings, you can still have homemade ice cream using the hand crank machines as they are still available. However, the electric ones are easy and just wonderful to use and what we use here at the house. We have also chosen to make our own ice cream, not only because it tastes so much better, but we have control over the ingredients we use. I try to use all organic if at all possible. We change the recipe to use all organic milk, or soy or almond milk, fresh organic fruits and sweeten with Xylitol, or Stevia to cut the calories and not have all the sugar in commercial ice creams (not to mention the chemicals and ingredients added today that we can’t even pronounce). Using soy or almond milk is a way for those with allergies to dairy to enjoy ice cream, too.

So, you don’t have to get out a red and white checkered table cloth, or pack up the car, or even have a family gathering to enjoy some home made ice cream. Just add the ingredients to your ice cream maker, plug it in and go work in your garden, or on your painting, read a book, or just relax while the machine is doing all the work. Enjoy!

Home Vapor Barriers

Accurate Home Inspection of Atlanta asked:

Vapor Barriers

Crawlspace Vapor Barriers

Throughout the United States, even in desert areas, there is moisture in the ground from groundwater being absorbed. Even in an apparently dry crawlspace, a large amount of water is entering the home. In a dry crawlspace, the moisture is drying out as fast as it is entering, which causes high moisture levels in the crawlspace and elsewhere in the house. A solid vapor barrier is recommended in all crawlspaces and should be required if moisture problems exist.

This vapor barrier, if properly installed, also reduces the infiltration of radon gas. Of course, if the moisture is coming from above ground, a vapor barrier will collect and hold the moisture. Therefore, any above ground source of moisture must be found and eliminated. The source may be as obvious as sweating pipes, or may be more difficult to spot, such as condensation on surfaces. The solution can be as simple as applying insulation to exposed sections

of  the piping or complex enough to require power exhaust fans and the addition of insulation and vapor barriers.

The more common causes of moisture problems in a new home are moisture trapped within the structure during construction and a continuing source of excess moisture from the basement, crawlspace, or slab. To resolve this potential problem, 6-mil plastic sheets should be laid as vapor barriers over the entire crawlspace floor. The sheets should overlap each other by at least 6 inches and should be taped in place. The plastic should extend up the perimeter walls by about 6 inches. The plastic sheets should be attached to the interior walls of the crawlspace with mastic or batten strips. All of the perimeter walls should be insulated, and insulation should be between the joists at the top of the walls. Vents, which may need to be opened in the late spring and closed in the fall, should not be blocked. If not properly managed, moisture originating in the crawlspace can cause problems with wood flooring and create many biological threats to health and property. A properly placed vapor barrier can prevent or reduce problem moisture from entering the home.

Concrete paints, waterproofing sealers, or cement coatings are a temporary fix. They ***** or peel and cannot stop gases, such as water vapor and radon.

Damp basement air spreads mold and radon through the house. Efflorescence (white powder stains) and musty odors are telltale signs of moisture problems. Basement remodeling traps invisible water vapor, causing mold and mildew.

Most basements start leaking within 10 to 15 years. The basement walls and floors should be sealed and preserved before they deteriorate. The basement floor should be concrete which has been poured on at least 6 inches of gravel. The gravel distributes groundwater movement under the concrete floor, reducing the possibility of the water penetrating the floor. A water proof membrane, such as plastic sheeting, should be laid before the concrete is poured, for additional protection against flooding and infiltration of radon and other gases.The basement floor should be gradually but uniformly sloped in all directions toward a drain or a series of drains. These drains will permit the basement to drain if it becomes flooded.

Water or moisture marks on the floor and walls are signs of ineffective waterproofing or moisture proofing. Cellar doors, hatchways, and basement windows should be weather-tight and rodent-proof. A hatchway can be inspected by standing at the lower portion with the doors closed; if daylight can be seen, the door needs to be sealed or repaired.

Vapor Barriers for Concrete Slab Homes

Strip flooring and related products should be protected from moisture migration by a slab. Proper on-grade or above-grade construction requires that a vapor barrier be placed beneath the slab. Moisture tests should be done to determine the suitability of the slab before installing wood products. A vapor barrier equivalent to 4- or 6-mil polyethylene should be installed on top of the slab to further protect the wood products and the residents of the home.

 

Accurate Home Inspection of Atlanta

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