How To Earn Money While Lounging Back At Home

Many students and people who can't leave their houses are looking for ways that they can earn money without going out for a 9 to 5 job. Thanks to the evolving world all around us there are now many ways that you can earn money while you sit back at home. These types of things are particularly useful for students who don't have enough time on their hands to go looking for proper jobs and housewives who have some time on their hand between the busy routines and want to earn an extra buck in that time. Though these are just some of the techniques, there are many ways that you can earn money in your own way. So without further ado, here are some of the ways that you can earn money without leaving your house:

1. Sell Airline Miles
If you are someone who has traveled a lot over the past few years, then this is the fastest way to get some cash. Airline miles are worth a lot of cash if you know where to sell them. Many online sites nowadays offer a lot of different rates and packages where you can sell miles for a profit depending on the program and company of airlines that you choose.

2. Write articles
Nowadays many online websites are present where you can go online and take on writing jobs which contain work that can be completed within an hour or two. And if you want something longer like a month or two such tasks are also available. It all depends on the type of work you're looking for and how much time you're willing to take out for it. The websites that offer such work usually have a very easy sign up process after which you are ready to get to work.

3. Cook Food
That's right. This may be more than a part time job but if you're passionate about cooking then this is possibly the best way to solve your money problems. You can cook and sell it out to nearby office workers who would always prefer homemade food then eating out every day. You'll end up making money and they will end up saving money. So this is like a win win situation for everyone.

4. Graphic Designing
If you have a little skill in Photoshop, then trust us when we say that you could be earning loads of money while sitting at home. Many companies hire people part time to work on graphics and logos and pay them loads in return. So start polishing your Photoshop skills, and start looking for graphic design work online.

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Saving Money and Heating the Home

Using Solar Heating costs can get expensive when the weather is cold, making it imperative to find ways to save money on heating your residence. Solar panels are used to collect energy from the sun and transform it into electricity that can be used throughout your home. This same solar energy technology can be used to heat your home.

Heat collectors, or solar thermal systems, work similarly to solar power cells, except they absorb heat as well as light that is generated by the sun and uses it to heat the air or a liquid. This heated air or liquid is then used to transfer heat into your home. You have many options that allow you to enjoy a warm home and save money on gas and heating costs with solar energy.

Passive Solar heating is highly effective on large windows that face south, allowing sunlight to stream into your home. Solar light and warmth are absorbed by the floors, walls, or any containers or dark-colored items. When this warmth is absorbed, it raises the temperature in the home by several degrees. Since hot air rises, heat will spread through the entire home quite efficiently.

Active Solar

With active heating using solar energy, heat collectors that contain liquids or air will be used to collect heat from the sun. This warmth is stored much like solar panels store energy in their batteries. When you want to heat the home, the heated air is used to send warmth throughout the house or just individual rooms, depending on the system you have installed. Using liquids, the home is heated using a pump that allows the liquid to be moved though pipes in your home, bringing warmth.

Liquid Active Solar using liquids requires pipes or tubing, a radiant slab system, to be installed underneath the floors or in the walls of your residence. To heat your home, the liquid is heated, and the warmth radiates from the pipes, causing temperature to increase. Other methods of heating the home, such as furnaces and hot water radiators, use stored hot water to provide heat in rooms. When using liquid active solar heat, water can be heated as well – saving you a ton of money.

Combination Solar & Geothermal

Solar collectors absorb warmth from the sun and store it to be used to heat the air, or even the water, in your home. Warmth can also be collected due to geothermal heating systems. These systems require water pipes to be installed near your home underneath the ground. They connect to heat pumps, transferring warm water from the ground so that it can be used in the home. Pairing geothermal systems and other solar heating methods can increase efficiency in areas with extreme cold or long periods with little sunlight.

When it comes to solar power, there is no end to what can be accomplished. Not only can you save money heating your home with solar energy, you can heat water as well.

For more information …

The Importance of Home Flood Insurance

A flood insurance is separate from your usual homeowner's insurance. It is provided by a few insurance companies and comes with its own terms and pricing. This kind of insurance is not mandatory for every homeowner but only to those who live in a designated flood area and has a home mortgage. These places are usually designated by the Federal government as close to main rivers, oceans and dangerous flooding zones. For those who live away from these bodies of water, this insurance is available but only optional. Nevertheless, it is still a good idea to get a policy if your home has a history of flooding from small ponds nearby, excessive rainfall or snow melts.

Remember that while floods can cause a huge destruction, the damage it caused is not covered by a homeowner's insurance. A home flood insurance offers the special coverage you would need to protect your home and things from rising waters. Furthermore, the insurance covers damage to home structure, water heater, furnace, furniture, appliances, rugs, clothing in basement areas, expenses incurred to protect your home against flood damage by sandbagging and covers cost after a flood, which includes removal or debris.

Flood insurance for your home is not as expensive as you might think and the coverage benefits definitely outweigh the cost of replacements and repairs. Homes situated in low to moderate risk areas could be eligible for PRP or Preferred Risk Policy, an affordable option that allows homeowners and business owners protection against the destructing effects of flood. Flood insurance for your home can be purchased through the NFIP or National Flood Insurance Program and other private companies. The government often backs most private insurance companies offering flood insurance. When purchasing an insurance from a private firm, it is necessary to check its financial capacity and reputation to make certain that it will be around if you file for a flood claim.

The price of a flood insurance is based on how much policy you purchase. There are typically maximum amounts available to replace home structure and personal possessions. Furthermore, it also depends on whether you purchase actual cash value or replacement cost insurance. A replacement cost insurance pays a claim to rebuild your home to be the same as to what it was before the flood damaged it. Cash value insurance replaces property and possessions less the value of depreciation.

Another thing to take into consideration when buying flood insurance is the excess insurance. If your home and belongings is worth more than the maximum limit amount of a standard insurance, then you could consider paying for more insurance aside from that known as excess insurance. Again, it is best to consider the financial standing of an insurance company for your excess coverage and the flood insurance rate as well. Typically, it will take thirty days after you purchase that the policy can be effective. Therefore, it is necessary to be prepared ahead of time and consider buying a home flood insurance policy …

Standard Home Insurance and Lightning Damage

The National Lightning Safety Institute gives us the statistics on lighting strikes.
Did you know that the odds for a person to be hit by lightning are quite slim – 1 in 280,000. When it comes to lightning striking a home there is much greater frequency, however: a likelihood of one in two hundred!

The insurance companies seem to underscore the possibility with a 2015 report that found related insurance damage claims surpassed even the high $ 825 million index.
Alarming as it is, the fact that standard home owner insurance can cover this type of peril up to the limits of the particular policy provides a form of peace of mind to those thinking individuals that are concerned about disasters like a lighting strike.

Losses associated with lightning may incorporate the following:

• Damages related to personal property, including things like electronics and appliances

• Structural as well as damages on property that were caused by a fire sparked by a lightning's direct strike

The issues involving lightning strikes are not resigned only to the above information. Read on for a summary on further related matters.

Additional Matters regarding Lightning Damages Coverage to Know

Electrical surges that are caused by a lightning strike may significantly damage connected personal electronic equipment. Possible losses can run into reach immense financial proportions in today's society where electronics is an investment most make. Because insurance payment is based on the actual cash value, equivalent to the present day price for similar items, reduced by depreciation, it may be worth the while of someone in a high frequency lightning occurrence to add replacement cost coverage to their home insurance policy.

Insured homeowners are advised to read through their homeowners' policies to see if additional living expenses are included in coverage. If a related fire makes a home unfit for occupancy while it is being repaired or rebuilt, such coverage will pay for temporary comparable housing accommodations.

Insurance experts also have another underscored recommendation for the homeowner: make sure to draft a comprehensive list of all the items in your home so that in the event of a related claim, there will be less complications to the process.
Just as every face in a household differs in its uniqueness, so does every home owner's exposure to perils. Let an experienced independent agency navigate your homeowners insurance so you know you will have coverage for your individual needs and requirements.

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Home Improvement Loan or Personal Loan

Personal Loan or Home Improvement Loan? That is the question.

We love decorating our houses.

And there are phases in our lives when maybe we've spent too much time watching Food Food or TLC and thus have built castles in the air of visions of turning our kitchen into a chef's paradise. Or perhaps our master bath is just one shower away from a disaster. For we really do love Italian tiles on our bathrooms.

And if so, then cheers, you're not alone. Recently, the Joint Center of Housing Studies for Harvard University has investigated and reported that the home improvement industry should continue post record-level spending in 2016. For many people, this means borrowing money to pay for the well planned home improvements and home decorating schemes .

Now, one is ought to face a tough and difficult and perhaps hypothetical question.

So, which home improvement loan is right for you?

Many homeowners and homemakers look to tap the equity in their homes. But home equity loans or home equity lines of credit may not be possible or very practical for some borrowers. In that case, one should consider using a personal loan.

While it is known that one can use a personal loan for a variety of reasons, there are a few reasons why a personal loan can have advantages over home equity loans when it comes to a renovation loan, to be specific.

The application process for a personal loan is usually quite simple and quite straightforward. Your own financial situation-for example, your credit history and earning power; This is often the main deciding factor for whether or not you will be able to get a loan, for how much, and if so, at what interest rate. Some personal loans even boast of having no origination fees.

However, home equity loans or home improvement loans on the other hand, are akin to applying for a mortgage (in fact, home equity loans are sometimes called second mortgages). How much you can borrow depends on several factors, including the value of your home. Because you can only borrow against the equity you already have (ie the difference between your home's value and your mortgage), you may have to arrange – and pay for – a home appraisal.

Let's now see this case in the case of a home improvement loan. With a home equity loan or a home improvement loan, you can only borrow against the equity you have – which, as a new homeowner, is probably not much. You maybe have not had enough time to chip away at your mortgage and the market has not yet elevated your home's price. A personal loan lets you start home improvements regardless of how much equity you have. So, that is one benefit of availing a Home Improvement Loan.

With a home equity loan, you use your home as collateral, which means an inability to repay could result in your home going into foreclosure. While failing to pay your personal …

5 Tips for Home Insurance Discounts

You can get yourself an on-line policy that will cover you perfectly at a very low rate. By investing a little time and effort on researching online a good premium rate can be often be achieved.

Let’s begin by listing the 5 best ways to save money on home insurance online.

1. Raise your Deductibles

A deductible is the amount of money you state you will agree, in advance, to fund as part of the settlement when you file a claim. Subject to your claim being successful, your insurer will make the remainder of the payment to balance your claim; or a sum as mutually agreed. Claims can only be made based on the terms of your homeowner policy. You may be asking a question like ‘What is the effect of increasing my deductible?’ Increasing your deductible gives you the opportunity to save a lot of money on premiums. For instance, you can save up $20 or more when you have a deductible that’s a sum of say $2,000 or more.

Also, remember that in areas like Florida, and some parts of Louisiana, you might be asked to have different deductibles for different forms of damage. Such as windstorm damage as a result of hurricanes.

Huge discounts are often offered by insurers; this is due to the fact that clients with high limit deductibles rarely file for claims. No matter the size of deductible you choose, endeavor to keep that sum of money safe. If ever the need arises for you to file a claim, your money is then always available towards a repair or replacement.

2. Bundle your Automobile and Homeowners Policies

There are many insurance companies and the majority of those companies are into the sales of both auto and home insurance. Because they want to be involved in doing business with you, they offer discounts if you bundle your homeowner and vehicle coverage together with them. When you do this, not only do you get good discounts, you also save yourself the stress of paying two separate bills.

3. Install Home Security Devices

You can have security devices installed in your home for relatively little cost. This is highly important as it allows you keep your home protected and your insurance premiums down. This can be achieved by spending few hundreds of dollars on minor improvements and doing this can earn you special insurance discounts. Home security devices include installing a sprinkler system, fire and intruder alarm systems and upgraded dead bolts on your doors and windows.

Home security monitoring packages that connect your security systems with the police and fire departments will fetch you extra discount on insurance coverage. This might be a bit more expensive to get done, but you will have peace of mind when you are sure that your home is adequately and skillfully supervised. At the same time earning yourself a price break on your home insurance.

4. Upgrade your Home to be Disaster Proof

You can do many things to improve …

Does Home Insurance Protect Against Skunk’s Smell?

The frigid temps of winter have got us shivering even if we do layer on the outerwear. The one saving grace of this awfully suffering climate is the sanctuary called home.

Ah, home, every man’s castle, where each one of us can take comfort from the freeze of this brutal season!

Considering the above, imagine one family’s grief upon returning home from work during a particular cold spell. The welcoming they encountered when arriving at the doorstep was not as welcoming as they would have liked. A horrid odor accosted their nostrils: the unmistaken putrid stink of a skunk.

Holding their noses, the family members attempted to locate any sign of black fur with a white strip running through it. No visible sign – thankfully – of the dreaded species. But the undeniable powerful reek of a skunk’s spray was there – everywhere – in every nook and cranny – on all three levels of the structure!

Braving the cold again, the threesome entered their car and drove to the local supermarket to purchase any form of sweet smells that would cover and/or eliminate the stench.

The reality did not allow anyone with a healthy sense of smell to remain in that ‘castle’ for long. After strategically spraying the anti-bad-smell around, the family spent the night at a neighbors’ home. The next morning, they entered their house with a good dose of trepidation. Fortunately, the smell had mitigated immensely.

When Mom pulled open the kitchen shade and let out a loud gasp, all knew the reason. Gathering around the window, the family members surveyed the pitiful sight of a dead skunk on their lawn.

Dad called the animal control department to remove it. And fortunately, the smell dissipated more and more.

The one lingering thought was, “What if the odor could not be contained? What if it would have contaminated house, and all contents therein, rendering them unusable and home unlivable? Would the homeowners insurance kick in to help?”

Here is what the insurance industry says about skunk damages.

As per the standard policy, you will be covered for any damages resulting from a wild animal. What fits under that particular classification? Well, not a mouse or rat. These are called rodents. But, yes, a skunk would fit the definition of a wild animal.

So, in an uncomplicated one-time event of a skunk damaging property – an incident that the homeowner would not have been able to prevent – the policyholder’s submitted related claim would most likely be honored and processed.

Naturally, not every occurrence is a ‘black and white episode’ (pun intended!) so it’s best to consult with a knowledgeable independent agent about your coverage and how it pertains to the likelihood of a wild event like the aforementioned!

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What TN Home Buyers Need to Know About THDA Loans

Some of the best loan programs in TN are right under our noses, and THDA loans (TN Housing Development Agency) are one of them. A few reasons why there isn't a ton of press about these great loans is because 1) not all TN lenders can do them, 2) THDA loans tend to be smaller loan sizes (on average) and coupled with the limitation on allowable fees , many loan officers who could do them choose not to, and 3) many loan officers do not offer them because they believe that THDA loans are a lot harder to get closed, which is not true at all as long as they know the program guidelines . For brevity's sake, this article will provide an overview for the THDA program rather than detail each of the 3 loans THDA offers (Great Rate, Great Advantage, and Great Start).

The THDA loan programs were designed to offer help to low to average income buyers in TN seeking to purchase an affordable home. Here are the main things to know about THDA loans:

  • These loans can be used only for primary residences in TN from one to four units
  • the loans are always 30 year terms with fixed rates.
  • the borrower must qualify for an FHA, USDA Rural Development, or VA loan program before the loan can "become" a THDA subsidized loan program. The vast majority of THDA loans are FHA, since FHA loans have the broadest in eligibility requirements. Minimum credit score for any THDA loan is 620 as of right now.
  • THDA loans can effectively make FHA loans near-100% or 100% financing when combined with available THDA grant money, a "community" 2nd mortgage program like the Housing Fund, or THDA's "Stimulus" 2nd mortgage program.
  • THDA loans are made generally to first time buyers (including people who haven't owned a home in 3 years); the exception to this rule is when a buyer is purchasing in a "targeted" county ; for example, middle TN "targeted" counties include Cannon, Clay, Dekalb, Franklin, Giles, Grundy, Hickman, Houston, Jackson, Lawrence, Lincoln, Macon, Marion, Maury, Stewart, Trousdale, Van Buren, Wayne, and White.
  • THDA essentially sets its own subsidized or below-market rates, which are dependent on how much grant assistance one might need. There are 3 basic loan types: Great Rate (0% assistance), Great Advantage (2% assistance), and Great Start (4% assistance)
  • Since THDA loans are intended for "modest" homes, properties must meet eligibility requirements ; for example, the sales price cannot exceed the county's limit. There are only 2 limits in the whole state of TN- either $ 226,100 or $ 200,160 (these limits are actually fairly liberal by TN's standards). The counties which have the higher limit are the following counties: Cannon, Cheatham, Davidson, Dickson, Hickman, Macon, Robertson, Rutherford, Smith, Sumner, Trousdale, Williamson, and Wilson. All other counties in TN fall under the lower limit.
  • the household income of the borrower (s) cannot exceed the median income limit for the county, based on the number of persons