Financing Residential Solar Power

Financing Residential Solar Power

Although competition is driving prices down, solar panel systems can require you departing with a chunk of change. Fortunately, the mortgage industry wants to talk to you.

Financing Residential Solar Power

If you are considering improving your home with a solar panel system or the hot new thin solar roofing systems, you need to learn three little letters – E…E…M. EEM stands for energy efficient mortgage. It also stands for avoiding out of pocket costs to improve your home with a solar.

Energy efficient mortgages came to be because of a nudge from the government to lenders in an effort to promote the use of solar energy as a power source. Put another way, the government told lenders to do it and do it now. So, what exactly is an energy efficient mortgage? Glad you asked.

An energy efficient mortgage is a loan that allows you to incorporate the cost of your solar improvements into your mortgage loan. The improvements can cost up to 15 percent of the total value of your home. The lender will calculate the energy savings for you home because of the new solar system and will add that to the total loan value, letting you borrow more than normal. Put another way, it doesn’t matter how much equity you currently have in your home, the solar financing is added on top of the loan. This, of course, lets you get a solar system without much out of pocket expense and you get to recover a good chunk of the cost through an increased mortgage interest deduction. Throw in tax credits, rebates and net metering incentives, and solar is getting mighty cheap if you know how to work the system.

Energy efficient mortgages have very few restrictions. You can get them for new construction or existing homes. The can be issued for single family residents, duplexes, condos and so on.

Frankly, it is a no brainer to go with an energy efficiency mortgage. Ask your lender for more information on the program so you can find out how to profit from a solar improvement to your home.

Car Detailing Tips: How to Wash-Dry your Car

Car Detailing Tips: How to Wash-Dry your Car

It’s a weekend! How good it is to wash your car and detailing it at the same time. Through washing, you can remove certain residues that came in contact with your car. You would be amazed how much dirt is stacking up on your car’s interior and exterior. Washing is like bathing, however, you can do car bathing for just once or twice a month and that would be sufficient enough. All car detailing processes starts with washing your car then all others will follow. You can’t put on new clothes and perfumes without bathing yourself now, can you? Well for some people it is, but it’s not really the way to go.

How do you go about with the proper washing techniques of your car? Read on…

1. Rinse.
Rinsing will be done at the start and at the end of you bathing the car. You have to thoroughly rinse your car in order to wash away some removable dirt and those that have stacked up will be softened. Use a hose with overflowing water but be sure that the stream is not that harsh enough to hurt your car or gentle enough that it will not reach your aim. Harsh streams of water can also be the cause of car scratch that is why excessive pressure of water is not advised. Detailers would prefer the water to flow freely from above the car or out of the hose with having to use a nozzle.

2. Detergent use.
When “soaping” your car, make sure that you use the kind of detergent that is specially meant for your car and not just what you use in your kitchen or in your bathroom. Don’t use dishwashing soap or liquid because these things are all too strong which will contribute to your car’s scratches and will strip off its wax.

3. Mix it.
In a simpler context, that is all there is to it. After preparing your equipments and tools, you can now mix your detergent according to the instructions of the manufacturer. Dip your mitt or sponge into the bucket of water that holds the mixed solution. Before doing anything else, you have to follow these guidelines in order to promote safety of your car.

• Be generous on your water and detergent. You can use an average of 3 or 4 buckets of water for a small car and 5 to 6 buckets for a medium-sized car.

• Washing should be done in sections. Start on top. This will enable rinsing to be relatively easier. After doing the roof, you can proceed to the door, fender and other car sections. Be sure that you do thorough rinsing in between parts. After applying soap, you should rinse so that film will not develop. The suds will cause the soap to dry and make an ugly stain.

• Right after washing the sections, you have to wash or rinse the entire body of the car. Use generous amounts of water so that all the soap will be washed away thoroughly. Do not leave crannies, crevices, and nooks where soap can seep and hide.

• If you’re not satisfied with the first wash, then do it the second time around. It is better to see acceptable results than settle for what is done. It is not bad to wash the second time because in detailing the first washing is just your way of introducing cleaning.

First washing has taken care of the majority of the dirt that is seen and the second will do the rest of the dirt. That is what good car detailing is all about.

Real Estate Ads – Home Style Terms and Their Meanings

Real Estate Ads – Home Style Terms and Their Meanings

Whether you’re buying or selling, reading real estate ads can be confusing. Here are explanations of more style terms used in real estate ads.

“Split Foyer” style

A home entered by a foyer with a half flight of stairs up to the upper level (where the living spaces and one or more bedrooms are usually located) and a half flight of stairs to the lower level (typically housing the family room and additional bedrooms).

“Tri-Level” style

A home with three levels. It is typically entered on the middle level and has half flights of stairs to the highest and lowest levels. The living room, dining room, and kitchen are usually on the middle level. The bedrooms are usually on the highest level. The lowest level may be unfinished or have family room, laundry, and perhaps a garage located there.

“Contemporary” style

These vary greatly, but none looks as if it could have been built prior to 1900. Some are almost entirely of glass. Some are almost entirely under ground. Roofs can be gable (slants down on each side of a ridge line creating triangles of space at each end), shed (slants in one direction only from high on one side to low on the other), flat, or sod (grass covered) for that matter. Often several roof styles are incorporated in one home. Energy saving or indoor-outdoor connectedness tend to be designing motives. Simplicity, straight lines, and open spaces are hallmarks. Decks, patios, and terraces are frequently featured and are often constructed of the same materials used indoors.

“Victorian” style

This style is based on houses built during Queen Victoria’s reign and for a while afterwards. They are usually at least two stories tall and maybe more. They are embellished with a variety of things including porches, turrets, towers with conical roofs, pediments with fanciful shapes over doors and windows, windows to the floor with perhaps only one sheet of glass per sash. And do think “gingerbread” or wood fashioned into intricate shapes for gable ends, places where porch posts reach the ceiling, at stair landings, and so on. Modern builders usually pare this style down because of the expense, but even the most recently built examples can be rather fanciful.

Summary

When looking at homes, you’ll find particular styles appeal to you. Once you identify the styles, you can narrow your search for the perfect home.

DVD copy software for mobile devices

DVD copy software for mobile devices

Modern life is full of DVD, video and audio production. We use them every day and everywhere. In order to make our connections with it more easily, more comfortable we use special software and hardware.

Here we have a short look at few applications suitable for mobile devices.

Apollo DVD to iPod.

Apollo DVD to iPod is an innovative Windows application that transcodes your favorite DVD movies to Apple iPod player directly. You can easily convert both PAL/NTSC DVDs for optimized video playback on iPod. Integrated world-class MPEG4 encoder makes it possible to transcode whole DVD disc with the time half of playback time of DVD. You can select any audio track, subtitle, chapters of the DVD as you want. DVD to iPod video has never been easier with Apollo DVD to iPod.

Afree DVD to iPhone Ripper

Afree DVD to iPhone Ripper is a powerful DVD ripper which helps you rip DVD movie to video format supported by iPhone player with fast converting speed and excellent video quality. It can rip your DVD to iPhone, MPEG-4 video formats in one click. Enjoy movies on the iPhone player wherever and whenever you want! Let the kids watch their favorite cartoons in the car with the iPhone player.
Features: Output formats: iPhone, MPEG-4; You can watch your DVD movies on your iPhone player; You can keep the default setting. You can also set the parameters by yourself; Run on Windows /98 /ME/NT/2000/XP/2003 Server/Vista.

A Moyea SWF to iPod Converter

Moyea SWF to iPod Converter is a perfect program that can convert Flash projector, as well as SWF to mp4 video for iPod. It offers the solutions to problems that many other SWF to video converting tools cannot solve, such as video and audio asynchronization, loss of frames, audio distortion, and the processing of SWF files with internal or external Flash video (FLV). With the leading audio and video codec, Moyea SWF to iPod Converter lets you easily and fully enjoy the original effects of your SWF files on your iPod.

iPod Video Converter

iPod Video Converter for Windows is fantastic iPod video converter. It helps you to convert all popular video formats such as AVI, MPEG, WMV, MOV, MP4, VOB, DivX, XviD etc to iPod MP4 video; and convert MP3, AC3, AAC audio files to iPod MP3, M4A etc.

Furthermore it supports new iPod 30GB and 80GB with resolution of 640 by 480 pixels for MPEG-4 Video.

Every Home Owner Should Know About Pipes 3

Every Home Owner Should Know About Pipes

Your plumbing system, like you and your family, is an important part of your home. Just like you, it needs to be be taken care of. You need to research all kinds of techniques and equipment and find what works for your plumbing job. These tips below can help you with that.

If you install a new water heater, and you start to have a leak from the pressure relief valve, you may need an expansion tank installed. The pressure increases when the functioning of the water heater is being performed properly. Therefore, with your new water heater, it may be necessary to have an expansion tank as well.

It is important to clean your faucet’s aerator from time to time. Not cleaning it can cause lime buildup, which in turn, could cause water leaks or low water pressure. To clean a aerator, you can unscrew it from the faucet, dip a brush into vinegar, and use the brush to clean it.

Keep an eye on the hoses for your dishwasher and washing machine. These hoses can leak and bulge, which can be a problem. Check them for signs of wear and tear and replace any hoses more than 10 years old. You’ll find that these hoses age well, but you have got to make sure they are doing the job they should.

It is important to know how to properly anchor your pipes when it comes to plumbing. This is extremely important to know because not having your pipes well anchored could result in loud noises, leaks, or pressure problems. Call a professional if you are unsure how to take care of it yourself.

Run your washing machine when it has a full load of clothes so that you can maximize the efficiency of the water that you use. You do not want to waste water, as this will lead to a higher water bill and can cause wear and tear to your machines internal components.

To avoid clogs, pay attention to what you flush. Sanitary napkins, thick toilet paper and baby wipes should never be flushed. These items can expand and cause a clog, or get caught on a pipe. Instead, dispose of them in a sanitary way that does not involve flushing them down the toilet.

A plumbing snake is an essential tool in any homeowner’s tool box. Snakes can be used to unclog kitchen and bathrooms drains and toilets when clogged with hardened debris. They are useful as well for grabbing hold of items dropped down sink drains. Snakes come in a variety of sizes for home use and heavier-duty models can often be rented for bigger jobs.

If you are trying to decide on the material to use for your hose, stick with stainless steel. Stainless steel has a very solid construction and stays durable for many years, eliminating the need for replacement. Also, this material is less prone to bursting, which can yield severe plumbing issues.

Doing your own plumbing ensures that if anything happens to it, you can fix it. Similar to taking care of your family, it is really important that you take care of your plumbing system. So, do yourself a favor and do your research and apply the above tips to your plumbing jobs.

Home Style Words in Real Estate Ads – More Explanations

Home Style Words in Real Estate Ads – More Explanations

Whether you’re buying or selling, reading real estate ads can be confusing. Here are explanations of more style terms used in real estate ads.

“Split Foyer” style

A home entered by a foyer with a half flight of stairs up to the upper level (where the living spaces and one or more bedrooms are usually located) and a half flight of stairs to the lower level (typically housing the family room and additional bedrooms).

“Tri-Level” style

A home with three levels. It is typically entered on the middle level and has half flights of stairs to the highest and lowest levels. The living room, dining room, and kitchen are usually on the middle level. The bedrooms are usually on the highest level. The lowest level may be unfinished or have family room, laundry, and perhaps a garage located there.

“Contemporary” style

These vary greatly, but none looks as if it could have been built prior to 1900. Some are almost entirely of glass. Some are almost entirely under ground. Roofs can be gable (slants down on each side of a ridge line creating triangles of space at each end), shed (slants in one direction only from high on one side to low on the other), flat, or sod (grass covered) for that matter. Often several roof styles are incorporated in one home. Energy saving or indoor-outdoor connectedness tend to be designing motives. Simplicity, straight lines, and open spaces are hallmarks. Decks, patios, and terraces are frequently featured and are often constructed of the same materials used indoors.

“Victorian” style

This style is based on houses built during Queen Victoria’s reign and for a while afterwards. They are usually at least two stories tall and maybe more. They are embellished with a variety of things including porches, turrets, towers with conical roofs, pediments with fanciful shapes over doors and windows, windows to the floor with perhaps only one sheet of glass per sash. And do think “gingerbread” or wood fashioned into intricate shapes for gable ends, places where porch posts reach the ceiling, at stair landings, and so on. Modern builders usually pare this style down because of the expense, but even the most recently built examples can be rather fanciful.

Summary

When looking at homes, you’ll find particular styles appeal to you. Once you identify the styles, you can narrow your search for the perfect home.

Business Parties & Baby Showers

Business Parties & Baby Showers

People like to party. And those in the corporate world are no exception. Popular parties among them include baby showers and new arrival celebrations. And here are some party and gift giving ideas for both.
Party Planning Ideas
Office parties can focus on a variety of themes like game night or BINGO night. Or they can focus on locations like a Hawaiian luau. Others incorporate company outings like golf outing, go karts, miniature golf, an amusement park or theater setting. Regardless of the setting and focus, you can mix in your baby shower and new arrival celebration.
Once you get the background to set the stage for your party, coordinate activities, food & beverages, music and any other items you need to. Then you’re set to go. For example, your baby shower activities could include:
1. Baby BINGO – using baby terms
2. Baby golf – put to win baby apparel and toys, then donate to the new parent at the end.
3. Baby movie – book a theater and watch “Three Men and a Baby” or other baby-movie.
Gift Giving Ideas
Giving gifts at business parties can be creative and fun, too. Tie in themed gifts with the rest of the party. For example, give colorful Hawaiian apparel for baby and parents (matching tie-dyed t-shirts and flip-flops). Assemble or buy a nice baby gift basket choc full of stuff for baby like lotion, shampoo, booties, toys, blankets, etc. And box up some family fun with movie rental coupons, boxes of microwave popcorn, candy bars, coloring books, crayons, markers, tablets and yoyos for siblings.
1. Use wrapping paper that matches your party theme.
2. Add silly trinkets that match the theme to package tags and ribbons.
3. Attach a themed gift card that everyone signs
So join in the merry-making. Plan or at least attend the next business bash and have fun!

What to Expect from Solar Power for Homes

What to Expect from Solar Power for Homes

Years ago, solar power was used mostly for magnifying glasses and calculators. Now, it is already possible to use solar power for homes. The energy of the sun is widely available and scientists are improving solar power systems year after year. Electricity is a necessity and life will be quite hard without it. However, the fossil fuels are depleting and electricity is expensive. The use of fossil fuels also causes damage to the Earth, thereby causing global warming and other environmental problems.

Solar power for homes is a renewable and much better energy source. Many homeowners are going green these days because they want to save money and the environment. Despite the encouragement of the government and other organizations, only 1% of the total homeowners use solar power. If you’re in the US, why don’t you visit California? You can find many solar powered homes in California.

The energy of the sun can be used in different ways to create electricity. A very good example is the use of solar generators. The generator is powered with the use of mirrors that focus and reflect sunlight. When heat is created, the generator will be powered. Photovoltaic cells are also quite popular and these are available in solar panel DIY kits. The panels are usually mounted on rooftops. When sunlight hits the photovoltaic cells, electrical charge is created which in turn power homes and offices. You can purchase the kits from online stores or even in your local area. Just shop around for the best and highly effective panel kits; these kits already include guided instructions so that you can develop a homemade solar panel.

Ordinary homeowners still find solar power too expensive and that’s the main reason why many people still opt for conventional electricity. With the modern technology of today, scientists and researchers are looking for cost effective ways to offer solar power to the public. Did you know that you can also store the energy that comes from sunlight? This is true and so you can still use solar power even when there’s no sunlight. So whether it’s nighttime or it’s raining, you can use renewable and clean energy.

Solar cookers, thermal systems, and many others are excellent alternatives but you need to know how to use them effectively. The very first step that you need to take is to determine your monthly electrical consumption. You can do this by checking your electricity bills and get the average monthly usage. You also need to consider the weather or climate in your area. After determining your electric consumption, you can now decide on the appropriate inverter. A bigger inverter can accommodate expansion in the future. For people with limited resources or budget, you can start with the simplest projects like outdoor lights and garden features. Even if you use smaller solar panels, you can still cut down your electrical bills by 50%-80%.

Try to have realistic expectations when using solar power. You can’t give up conventional electricity completely but if you can use it together with solar power, you can save a lot of money in the long run. Make this one-time investment and enjoy lasting benefits in the coming months and years. Solar power for homes is an excellent investment and you too can enjoy a greener and clean lifestyle.

30. Christmas Plays/Performances

30. Christmas Plays/Performances

It’s always a good thing when families can enjoy outings together.
Attending Christmas plays, performances and concerts offer wonderful holiday
entertainment for all members of the family. Attending Christmas performances
and concerts offers wonderful entertainment for the entire family and provides
another way to enjoy the festivities of the Christmas season.
Families usually don’t have to venture too far from their home to enjoy a
Christmas play or concert. That’s because amateur actors, singers and budding
musicians in their neighborhood will usually take part in several Christmas
performances for local residents. These amateur but entertaining events can be
found at local schools, churches or at a community theater or performance
center.
It’s very popular for those groups to stage performances of the Nativity
story, or other Christmas related works such as ‘A Christmas Carol.’ churches
and school groups may even have a complete concert series that includes a full-
length production of a play along with choirs, soloists and the band singing
Christmas carols and other Christmas songs.
What makes local Christmas performances special is that members of the
community and maybe even of your own household can be among the entertainers.
It is therefore special to see familiar faces doing something interesting and
different. For those who are budget-conscious, the performances are usually
priced to be very affordable, therefore offering an economic incentive to go out
and have an enjoyable afternoon or evening.
Those people who are lovers of the arts and who are more interested in
seeing a professional performance will likely also have a professional
theatrical company within reasonable proximity of their residence. Professional
groups may also perform Christmas classics such as ‘A Christmas Carol’ or they
may do another dramatic production from the works of other playwrights.
Music lovers also have a variety of performances to enjoy at Christmas
time. While one can always catch various groups singing carols in downtown areas
or at malls, there are other places to hear rich, melodious performances of
Christmas music. These include concerts by acclaimed or recognized
conservatories, orchestras, symphonies and renowned choir groups.
The beauty of hearing Christmas music by these groups is in the accompaniment of
instruments and the harmonious blending of voices, which all happens in a venue
that has acoustic features to optimize the auditory pleasure of the
performances. The different components that together make the whole performance
offers a richer quality to Christmas songs and carols that may be described as
‘sounding heavenly.’
Another popular artistic performance that is popular during the Christmas season
is classical dance in the form of ballet, and particularly the performance of
the ‘Nutcracker’ ballet. With music written by Tchaikovsky, the story is about
a young girl who has a dream on Christmas Eve of a Nutcracker Prince and a
fierce battle with a Mouse King that has seven heads. After a fierce battle
between the Nutcracker, who leads an army of toy soldiers, and the Mouse King
who leads an army of mice, the Nutcracker is captured. But the little girl
throws her slipper at the Mouse King, hits him in the head and kills him. In the
end, the Nutcracker turns into a Prince and takes the little girl to the magical
and enchanting Land of Snow with dancing snowflakes and the Land of Sweets with
the Sugar Plum Fairy.
Attending Christmas plays, concerts or musical performances serves the basic
purpose of providing enjoyment, but it can also help young people, and even
adults, to develop an appreciation for the arts. Seeing different variations and
the creativity in performances of Christmas plays, as well as hearing different
renditions of Christmas songs, can be the first exposure that leads to a
lifelong love of the arts and maybe a dream to pursue a career in the arts.

Solar Power in the US

Solar Power in the US

Sunlight contains energy and if you can capture it using a special gadget, you can turn it into electricity. For many years, solar power was always overlooked. But now that the world is becoming warmer, the sources of fossil fuels are depleting, and the cost of electricity is continuously rising, many people now realize the importance of solar power.

With solar power, you will no longer have to worry about electricity once you’ve installed the solar power system. Aside from that, you will get clean and renewable energy. When you install a solar power system, you’re able to hit two birds with one stone – you’re able to save the earth and you can save a lot of money in the coming years. The system can last for about twenty years and that’s like a lifetime already. With proper care and maintenance, the system might reach thirty years of service.

In the US, solar power is gaining popularity. Years ago, it would have been impossible to use solar power in homes because it was too expensive. But thanks to modern technology, many homeowners in the US as well as businesses now make use of solar energy. Power bills can surely be reduced thereby saving the environment and the pockets of homeowners or businesspersons.

Some places in the US enjoy a lot of sunlight particularly Los Angeles California. There are so many solar power systems available today and solar panels are just one of them. Despite the many benefits of solar power, have you ever wondered why very few people use it? At this point, experts claim that solar power is still inefficient. To generate more electricity, then larger solar panels are needed which are quite bulky. Just imagine putting a large and ugly panel on your rooftop which can destroy your home’s overall beauty? Ready made solar panels are quite costly that ranges from $35,000 – $250,000 depending on the size.

Scientists are still conducting researches and at present, solar power is said to be more efficient now unlike many years ago. Drastic changes were made thereby improving the solar panel’s price and appearance. With the invention of the photovoltaic cells, solar power was greatly improved. The cells will be placed on steel substrate to capture sunlight and the energy will be stored within the battery. The photovoltaic panels contain n layers of cells thereby increasing its efficiency. These new panels make use of the ‘amorphous silicon thin alloy technology’. Through this technology, the cells are not bulky anymore and highly efficient. With stylish photovoltaic panels, your house or office will still look pleasant eve with the panel on top.

Aside from the cell, photovoltaic shingles were also invented. Basically, the shingles modified solar panels. If you don’t want to use bulky solar panels, this is an excellent choice because of its aesthetic and convenient design. The photovoltaic shingles look like ordinary shingles and are colored black.

The photovoltaic cells and shingles have definitely enhanced the solar power technology. Who knows? Perhaps in the future, experts and scientists can now develop smaller cells, panels, etc. Check out LA and see the solar powered homes there. You can now start calculating your home’s electrical requirements so that you can determine the right size of the power system. Start with a small project and work your way up but if you can afford to pay for ready-made ones, go ahead.

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