How to Save Money on Insurance for Santa Cruz CA Homes
Dec/090
When buying a home, whether Santa Cruz CA home or a home anywhere else in the world, there are a host of other factors and costs you will need to consider, that will affect your monthly costs. Insurance is certainly one of those.
If you own a Santa Cruz CA home, or a home anywhere else, you can use the following tips to lower your monthly insurance premiums.
Have a look at security. Santa Cruz CA homes, like any other, may be broken into. Check the security measures on your house, and consider adding items like burglar proofing, burglar alarms, infra red beams or perimeter security. Most insurers offer rebates on premiums, based on the security measures you have.
Shop around. Insurance premiums can fluctuate wildly from one insurer to another.
If you’ve been with your insurer for a while, don’t assume you’re getting the best deal. Insurers, as a rule of thumb, increase premiums across the board, regardless of whether your risk has increased, at least once a year. Call a few competing companies, and if they’re offering a better deal, negotiate with your insurer. If they won’t budge, switch! Although most insurance companies will give you a better deal, particularly if you are a loyal client.
Find out how much you can save by having more than one product with a particular insurer. For instance, if you insure your home, vehicles and take a life insurance policy with a single company, you may find you get a better deal than having individual products with different companies.
Read the fine print. There’s no use getting what you think is a great deal, only to find, at crunch time, when you need to claim, that there are more exclusions than inclusions in your policy. If your Santa Cruz CA home gets broken into, for instance, and you aren’t able to claim via a technicality, you’ll end up fuming.
Before you buy Santa Cruz CA home, find out what the crime rate, and average insurance premium for the area that interests you is. Often, the suburb you live in can have a big impact on the premium you pay, and if you haven’t budgeted for it in your monthly payments for your Santa Cruz CA home, you may be in for a nasty surprise! You could even call an insurance company or two for a quote, to find out what you’re likely to be looking at.
Insurance is, at best, a grudge purchase. It’s something we purchase because we have to, not because we want to.
When looking for insurance on your Santa Cruz CA home, be sure to follow the above mentioned tips, look online for great deals or websites that offer insurance comparisons, and make your choice based on price and service.
If you have friends who own Santa Cruz CA homes, finding out who they insure with can help you make an informed decision, and if they’re willing to give a particular company a referral, there’s probably a reason!
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Smart Survival Gear (Combined Savings20%) Home*Office*School*Marine*Auto*Camping
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Combined Survival Packs for Home*Office*School*Marine*Auto*Camping*Hunting
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Bivouac12 LED Rechargeable Emergency Search Light Lamp Home Camping Travel O1
$15.99 |
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Camping/Home Heart Emergency LED Light Lamp Flashlight Free Shipping
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Combined Survival Packs for Home*Office*School*Marine*Auto*Camping*Hunting
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CAMPING Street Sign backpacking tent sleeping bag hiking gift RV motor home
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36 Leds Led Rechargeable Recharge Emergency Home Camping Lamp Light
$0.01 |
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36 Leds Rechargeable Emergency Home Lamp Camping Light
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30 Led 8 Led Recharge Rechargeable Emergency Torch Home Lamp Camping Light
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TRAVEL TRAILER SUNCATCHER (MOTOR HOME, CAMPER, CAMPING)
$3.50 |
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Lodge Logic Skillet
$59.99 The Lodge 10 1/4-inch Skillet was rated as one of the two dozen essential tools in the home and kitchen (Martha Stewart Living February 2008). We have a size and shape to meet any of your cooking needs, with assist handles for ease of movement on the stove top, in the oven or on the campfire. There are more expensive skillets on the market, but none can match the versatility, durability, and value... |
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Bialetti 6800 Moka Express 6-Cup Stovetop Espresso Maker
$29.99 Stovetop brewer makes 6, 2-ounce cups of espresso in just 4 to 5 minutes Made of durable polished aluminum in a unique shape Wash by hand with warm soapy water and rinse clean ... |
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Lodge Max Temp Handle Mitt, Black
$3.81 The Lodge Logic Max Temp Handle Mitt lets you concentrate in comfort on your culinary art of creating delectable cast iron dishes. The heavy-duty outer Pyrotex fabric resists scorching and burning. Steam barrier, heavy cotton batting and thick terry lining combine for the ultimate heat protection up to 450° F. Features: Durable handle mitt protects hands from hot handles Resists scorching and bur... |
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Sing Along Songs - Campout at Walt Disney World
$2.99 SING ALONG SONGS:CAMPOUT AT WALT DISN - DVD Movie... |
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Barney's Favorites Vol. 1
$7.96 ... |
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Hee Haw Gospel Quartet
$15.89 In the 23 years that Hee Haw was on the air, one of the most memorable and beloved segments was the Gospel Quartet performances. Now, for the first time, 30 treasured Gospel classics performed on the show are brought together in this one stirring collection, the Hee Haw Gospel Quartet. Our 2-CD set features timeless songs.... |
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5mW Blue Violet Laser Presentation Pointer
$4.55 Blue lasers are on the cutting edge of consumer laser pointers. This beautiful blue-violet laser is more pleasing to look at than red or green! Please note, because the human eye is more sensitive to green than to blue, this laser pointer will appear less bright than a similar green one. However, the milliwatt output is factory-calibrated and accurate. In daylight or bright places, the blue laser ... |
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Small Fan & Mini-Air Conditioner: The Original Handy Cooler in Blue. Portable and convenient. Runs on batteries or USB. Cools air up to 30F.
$20.00 Small fan that can cool air up to 30F. This revolutionary evaporative cooling fan is the closest thing to a hand held mini air conditioner! Use it outdoors or keep it indoors as a desk fan. Provides gentle cool breeze. Uses evaporative cooling technology. Add water to soak the cooling filter. Ambient air is forced through the wet cooling filter and cools down. Works best in dry and hot climates. F... |
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Belkin 2 Outlet Dc/Ac Inverter
$20.99 12V DC - 110V AC - Continuous Power:300W... |
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Sing Along Songs - Campout at Walt Disney World [VHS]
$9.99 Sing, dance, and play along with Mickey and the gang in fun-filled musical adventures! It's easy as you read the on-screen lyrics to favorite kid songs! In CAMPOUT AT WALT DISNEY WORLD, Mickey, Minnie, Donald, Goofy, and the Sing-Along Kids pitch their tents and explore Discovery Island, River Country, and even participate in a Talent Show! It's the most fun you'll have on a campout!... |
Emergency Plan for Homes
Dec/090
Most of us do not think of disaster or emergency plans for our homes. We think of our home as our comfort and safety zones. The fact of the matter is that not one person knows just exactly when disaster will strike. The best thing one could possibly due is make himself prepare for anything that could happen. The following are some of the emergency plans for homes
1. First aid kit ready – Having a first aid kit is always useful to treat wounds. The individual should check that it is complete at all times because no one can tell when this will be needed.
2. Water supply – Water is life, life is water. As much as possible, try to keep a water supply of a gallon for every person each day and one that would be enough to go on for up to three to seven days. Water should be kept in containers made of plastic. Also, make sure that you also have filters and tablets for the purposes of purification ready and available when needed.
3. Food – Food that is not as easily perishable should be stored for you and your family, and such foods must be enough to last you, your family, as well as your pets, for three days up until one week. Examples of such foods are canned goods, powdered juices, boxed vegetables and food.
4. Portable cooker – It is always a wise idea to have a portable cooker that could serve as an alternative besides the usual electric stove you may be used to. Having a ready barbecue stove or a propane stove on hand is the best recourse if in case the electricity goes out or if gas becomes no longer available. However, if you are to utilize propane, ensure that the tank is completely full and that an extra propane tank is also available.
5. Collect clothes – Have a ready and available stock of clothes for your kids and yourself as well as sleeping bags.
6. Collect wood – Having a steady supply of good wood is also a good idea as these could be used for those fireplaces or for stoves that use wood for burning.
7. Light – A flashlight is the item that you simply could not do without especially during emergencies. Try to consider using recharging through solar means as well as units that are cranked by hand. This is in order to avoid any future worries on batteries.
8. Medical prescriptions – As much as possible, try to keep any prescriptions that you or your family member may have filled. Also, try to maintain an added supply of medication both non-prescription and prescribed ones. Contact your healthcare provider for any refill prescriptions in advance.
9. Have cash and some gas – Credit is good unless there is an emergency. Try to keep ready cash just in case the ATM fail or the system of your bank is not working. Also, it is best if you keep the gas tank of your car half full. This is so to avoid the long lines in gas stations.
10. Books and games – During emergencies, it could be safe to have some books and some board games available to entertain yourself during power failure.
11. Know thy neighbor – It is also better if you acquaint yourself with the neighbors you have in your area. There could be instances where you need each other’s help if ever the basic services are somewhat interrupted.
All in all, preparation is always the best cure against any unexpected circumstance that an emergency might bring.
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Chef Mate Model CM-1000 Portable Butane/Propane Stove/Boating/Camping/Home/Excl
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Portable Gas Propane Burner Stove + 18" Stand Combo New Home/Business Camping
$86.25 |
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Portable Gas Propane Burner Stove + 18" Stand Combo New Home/Business Camping
$86.25 |
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Lodge Logic Skillet
$59.99 The Lodge 10 1/4-inch Skillet was rated as one of the two dozen essential tools in the home and kitchen (Martha Stewart Living February 2008). We have a size and shape to meet any of your cooking needs, with assist handles for ease of movement on the stove top, in the oven or on the campfire. There are more expensive skillets on the market, but none can match the versatility, durability, and value... |
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Aroma AHP-303 Single Hot Plate, Black
$15.68 Perfect for travel home buffet or office. High medium low and warm temperature settings. Power on indicator. Easy to clean. durable die-casting burner perfect for dorms offices traveling and entertaining high medium low and warm temperature settings power-on indicator light easy to use and clean... |
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Waring DB60 Portable Double Burner
$67.98 1300-watt large plate and a 500-watt small plate Durable cast-iron plates heat up quickly and ensure stable heat retention Individual adjustable thermostats Separate "on" and "ready" indicator lights Brushed stainless-steel housing Non-slip rubber feet Low-silhouette design Measures 19-1/2 by 11-1/2 by 4 inches 1-year limited warranty... |
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Mr. Heater F276172 Propane One Pound Tank Refill Adapter
$9.99 Refill Adapter, Allows You To Refill A LB Cylinder From A 20 LB Tank.... |
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Coleman SportCat PerfecTemp Catalytic Heater
$34.25 Whether you're staying in a cabin, tent, or under the stars, the Coleman 5035-700 SportCat Perfectemp Catalytic Propane Heater will enhance any camping adventure. The 1,500 BTU output operates up to 14 hours from one 16.4 ounce propane cylinder (not included). The Coleman heater features a portable integrated handle making it easy to carry, and the stable, detachable base provides a strong stand ... |
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Mr. Heater 75,000 BTU 12-Foot Propane Hose Assembly #F273702
$24.97 12' Propane hose assembly with hand tightened swivel on both ends, 1" 20 Male Throwaway Cylinder Thread x POL With Handwheel. Connects 5- pound to 20-pound propane tanks to disposable propane cylinder appliances. Rubber hose and metal hand tighteners.... |
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Camco 57341 Olympian RV Wave-6 LP Gas Catalytic Heater
$248.21 An ideal primary or secondary heating source for your RV, home, cabin or in some cases your tent, Camco Olympian series Wave heaters can be used as portable space heaters and in most cases can be wall mounted, either in a recessed position* or on a flat surface. Olympian series Wave heaters operate on low pressure HD-5 propane gas only and are equipped with a 100% safety shutoff valve to prevent... |
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Camco 57331 Olympian RV Wave-3 LP Gas Catalytic Heater
$192.50 An ideal primary or secondary heating source for your RV, home, cabin or in some cases your tent, Camco Olympian series Wave heaters can be used as portable space heaters and in most cases can be wall mounted in the vertical position.* Olympian series Wave heaters operate on low pressure HD-5 propane gas only and are equipped with a 100% safety shutoff valve to prevent accidental non-ignition fu... |
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Camco 57351 Olympian RV Wave-8 LP Gas Catalytic Heater
$290.75 The Camco Olympian RV Wave-8 8000 BTU LP Gas Catalytic Heater is an ideal primary or secondary heating source. This wave heater operates on low pressure LP gas, and can be wall-mounted or used as a portable unit. It comes equipped with a 100-percent safety shut-off valve to prevent accidental non-ignition fuel discharge. The built-in automatic piezo electric spark starter will last for 20,000 star... |
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Coleman Two-Burner Propane Stove
$43.97 The Coleman® 2-burner propane stove features a PerfectFlow™ system, which regulates fuel flow for constant, even heat. WindBlock™ shields burners from the wind for maximum heat, and adjusts to accommodate different sized pots.... |
Santa Cruz Eco-Friendly Homes: What makes a home Eco-Friendly?
Dec/090
Nestled along California’s Central Coast, Santa Cruz is a city whose very existence is characterized by an Eco-friendly mentality. Whether it’s current efforts to add a desalinization plant to provide water, or the community’s interest in green power sources, Santa Cruz is one of many communities across the United States that has inspired Eco-friendly behavior in its citizens. There is probably nowhere easier for people to take environmentally positive steps than between the walls of their own homes. So what does it mean to have an Eco-friendly home? We’ll discuss the materials used in home construction, the energy efficiency of a home, and the construction techniques relevant to Santa Cruz real estate that make Santa Cruz homes, Eco-friendly homes. Location, location, location The location of a home can be the single largest factor in the amount of energy used to maintain the home. Homes in extreme climates will require more energy to maintain comfortable internal temperatures. Additionally, homes in extreme climates will require more maintenance than homes in moderate climates. This added maintenance consumes resources and energy further increasing the energy consumption of homes in extreme climates. By contrast, homes located in mild climates such as Santa Cruz will use less energy to maintain a comfortable internal temperature. Because of the mild climate along California’s central coast, homes in this area require less energy for heating and cooling. The cool ocean breeze that comes in every afternoon mitigates afternoon heat associated with many other parts of the nation during the summer. Built smarter, maybe by accident Current green building techniques involve facing homes to the south to take advantage of the sun for natural heating. In California our climate is generally warm enough that many times the only temperature issue we face is cooling our homes in the summer. Because many of the homes in Santa Cruz are situated to face the west, the brunt of southern afternoon sun falls on the southwest portion of the home as opposed to the western face of the property. Generally this results in slightly lower internal temperatures. The orientation of the home combined with the onshore afternoon breeze in Santa Cruz mitigates the need for running air conditioning. Green construction and furnishing in Santa Cruz Up until recently Santa Cruz enjoyed having two dedicated Eco-friendly materials providers for construction and furnishing. Despite the economic hardships that have curtailed spending in many areas, you can still get everything you need for your Santa Cruz eco-friendly home at Greenspacecompany. By having a local green building materials provider, Santa Cruz contractors and residents have access to ecologically friendly paints, plaster, flooring, counter tops, sealers, and landscaping supplies. Operating an Eco-friendly home is just one aspect of going green. Choosing to use ecologically friendly materials in the construction of your home will ensure that every aspect of your residence makes a minimal impact on our environment. Each of us individually can make a difference, eventually our leaders will follow.
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Smart Survival Gear (Combined Savings20%) Home*Office*School*Marine*Auto*Camping
$50.81 |
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Combined Survival Packs for Home*Office*School*Marine*Auto*Camping*Hunting
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Bivouac12 LED Rechargeable Emergency Search Light Lamp Home Camping Travel O1
$15.99 |
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Camping/Home Heart Emergency LED Light Lamp Flashlight Free Shipping
$16.99 |
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Combined Survival Packs for Home*Office*School*Marine*Auto*Camping*Hunting
$65.00 |
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CAMPING Street Sign backpacking tent sleeping bag hiking gift RV motor home
$6.99 |
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36 Leds Led Rechargeable Recharge Emergency Home Camping Lamp Light
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36 Leds Rechargeable Emergency Home Lamp Camping Light
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30 Led 8 Led Recharge Rechargeable Emergency Torch Home Lamp Camping Light
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TRAVEL TRAILER SUNCATCHER (MOTOR HOME, CAMPER, CAMPING)
$3.50 |
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Lodge Logic Skillet
$59.99 The Lodge 10 1/4-inch Skillet was rated as one of the two dozen essential tools in the home and kitchen (Martha Stewart Living February 2008). We have a size and shape to meet any of your cooking needs, with assist handles for ease of movement on the stove top, in the oven or on the campfire. There are more expensive skillets on the market, but none can match the versatility, durability, and value... |
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Bialetti 6800 Moka Express 6-Cup Stovetop Espresso Maker
$29.99 Stovetop brewer makes 6, 2-ounce cups of espresso in just 4 to 5 minutes Made of durable polished aluminum in a unique shape Wash by hand with warm soapy water and rinse clean ... |
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Lodge Max Temp Handle Mitt, Black
$3.81 The Lodge Logic Max Temp Handle Mitt lets you concentrate in comfort on your culinary art of creating delectable cast iron dishes. The heavy-duty outer Pyrotex fabric resists scorching and burning. Steam barrier, heavy cotton batting and thick terry lining combine for the ultimate heat protection up to 450° F. Features: Durable handle mitt protects hands from hot handles Resists scorching and bur... |
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Gerber 31-000751 Bear Grylls Survival Series Ultimate Knife, Serrated Edge
$79.99 From Gerber, the 31-000751 Bear Grylls Survival Series Ultimate Knife is designed to help you endure in the toughest environments. It features an ergonomic grip for comfortable handling and a dependable stainless steel blade with a versatile serrated edge. Additionally, the knife and military-grade nylon sheath are packed with innovative survival tools, including a fire starter, a diamond blade sh... |
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P3 International P4400 Kill A Watt Electricity Usage Monitor
$29.99 Empowers You to Save Hundreds on Electric Bills Electricity bills are rising. Now you can cut down on costs and find out what appliances are actually worth keeping plugged in. Simply connect these appliances to the Kill A Watt, and it will assess how efficient they really are. The large LCD display counts consumption by the kilowatt-hour, the same as your local utility. You can calculate your elec... |
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Rayovac SE3DLN Sportsman Xtreme 300-Lumen LED Lantern
$22.66 With optimized beams, rubber grips, and tactical switches, Rayovac's Sportsman Xtreme lights are what you need for the outdoors when you head for the hills, woods, or even the backyard. Nicely compact and ultra-portable at just 7 inches tall and under 3.5 inches wide, this Rayovac SE3DLN lantern also provides an incredibly bright 300-lumen light. See larger image. Rayovac... |
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Sing Along Songs - Campout at Walt Disney World
$2.99 SING ALONG SONGS:CAMPOUT AT WALT DISN - DVD Movie... |
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Barney's Favorites Vol. 1
$7.96 ... |
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Hee Haw Gospel Quartet
$15.89 In the 23 years that Hee Haw was on the air, one of the most memorable and beloved segments was the Gospel Quartet performances. Now, for the first time, 30 treasured Gospel classics performed on the show are brought together in this one stirring collection, the Hee Haw Gospel Quartet. Our 2-CD set features timeless songs.... |
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Sing Along Songs - Campout at Walt Disney World [VHS]
$9.99 Sing, dance, and play along with Mickey and the gang in fun-filled musical adventures! It's easy as you read the on-screen lyrics to favorite kid songs! In CAMPOUT AT WALT DISNEY WORLD, Mickey, Minnie, Donald, Goofy, and the Sing-Along Kids pitch their tents and explore Discovery Island, River Country, and even participate in a Talent Show! It's the most fun you'll have on a campout!... |
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Are Hostels, Camps and Private Homes Safe for Travelers
Dec/090
Yes – and no. As with any traveling and staying in an unknown spot, there will be some dangers. Most of them you can avoid. If you know the risks before you travel, you can be prepared for any situation.
If you decide camping is the accommodation style for you, you should have a good knowledge of the area you are going to camp in. Will you be staying in a public campsite or will you be camping wherever you feel the need to pitch your ten? If it is the latter, make sure it is legal to camp in the spot you have chosen. Check whether you need to provide your own drinking water. Camp grounds in remote places may require you take in water. If you are using water from streams or creeks, boil it first to get rid of bacteria.
Animals can provide a source of danger in campsites. If you are camping in bear country you will need to take special precautions. Take care of how you store your food and where you pitch your tent. You will need to either store all your food in a bear proof box or hang it from a tree. Check the area before you camp to make sure there are no signs of recent bear activity. If there are, move on to another site. Other dangerous animals that you need to be aware of when camping are snakes and spiders. These beasts like to get in and under things so always check before you put on any clothes and shoes.
Camping is a good way to meet fellow travelers, but you can not always be sure your possessions will be safe from unscrupulous people. Ensure all valuables are locked in the car or stowed safely when you are not at your campsite.
Hostels are a good, safe way to travel, but like any public place, you still need to take precautions. Hostels that are members of a network may provide a safer option as they are well controlled. You can take safety measures by locking up your valuables in lockers if they are provided. Or ask the manager if they have a safe you can lock your valuables in. Sleep with your money and passport at night if you are sharing a room with strangers. Most hostels have bunk rooms segregated by gender. But some don’t. If you are a female traveling alone, it might be wise to stay in a hostel that has only same sex rooms.
Staying in private homes with the owners living there as well, (charging you for board), is probably the least safe option when traveling. This is because you don’t know the people you are staying with and in some countries it is actually illegal for residents to hire out their rooms to travelers. If this option is one you want to pursue, try and book your room through the local tourist office or through an agency. At least if there is a problem, you will have someone to lodge your complaint with. In some countries this is a very popular form of accommodation and a cheap one. Make sure you negotiate your price before you agree to stay. Take the same precautions as you would in other styles of accommodations and be prepared to move on if it is not satisfactory or you feel unsafe.
This article is brought to you by: Stuart S. Travel – Your Online Travel Guru
www. stuartstravel. com
Sherry Hardesty has been a professional flight attendant for over 15 years. Her experience is extensive and she provides professional travel consulting and booking services at http://www. stuartstravel. com
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