For the love of Home Ownership

Easy to say and yes I am happy, actually I am ecstatic that I finally entered the home owner elite. Well it seems that way at the moment even though I know we are no more elite than anyone else. In actual fact nothing has really changed. I have to pay money to someone else every month for the privileged of staying in a house. I do not like where I am going with this. I love my new house, all mine now I need to make it my own. The mortgage and insurance are taken care of and I have my new carpets arriving next week so all is well.

Friday, June 19, 2009

How Eggs are Classed and Graded

By Amy Nutt

The grading of eggs is done with a series of tests where the eggs are examined for various qualities such as size and weight. There are three grades of eggs, which are Grade A, Grade B, and Grade C, in Canada. The grades in the US differ slightly by name only, as Grade A, Grade AA and Grade B. Grade A eggs are sold to consumers but the other Grades are for commercial uses.

In order to grade the eggs, they are first washed to make sure they are spotless then they are sent to be candled. Candling, which is usually performed by hand, examines the contents of the egg. This is done by passing the eggs past a light which allows the shell to be viewed internally. The conditions of the shell, the white, and the yolk, are checked for cracks and air pockets. In modern egg operations, the eggs are checked for cracks with the use of sonic sound. Tiny probes tap the egg a total of 16 times to accurately detect any blemishes in the shell. If a crack is found, a thud will indicate the egg is below standard and will be removed. An egg that is perfect will have the machine produce a high pitched sound. The candling or scanning allows the technician to see the size of the air pocket, cracks in the shell, and the centering of the yolk. This is what will later divide the eggs into different grades.

Once it has been determined the egg is worthy of carrying on, it then goes to be graded and weighed. The weight is done by the carton, not the individual egg, and computer controlled sensors weigh each egg over 60 times in less than one second. There is only a 3 ounce difference per one dozen eggs of a different size so the accuracy of the weight of each carton is important.

Grade A: The egg is found in perfect condition. The shell is not cracked at all, is fully clean, and the yolk is round and centered in a firm white with a minimal air pocket. These eggs will be processed for shipping to retail stores for consumers to buy.

Grade B: This egg also has an un-cracked shell but may have a rough texture. The white will be watery/thin and the yolk somewhat flat. These eggs are saved for commercial uses such as selling to bakeries or for processing into other foods like making mayonnaise or noodles.

Grade C: Eggs with this grade likely have a cracked shell, loose yolk, and very thin white. This will only be sold to commercial processors as use as an additive for other products.

Sometimes during the cleaning and other processes, eggs will get broken or punctured. These will be added to the Grade C eggs to be used in processed foods. The eggs are all broken by special machines at a "breaking station," where they are then pasteurized. The eggs are pasteurized by heating the eggs liquid form to a very high temperature in order to kill any harmful bacteria and micro-organisms. Once the pasteurization process has been completed, further processing of the egg is done and then packaged in liquid, frozen or dried/powdered form for sale. Preservatives or flavorings, and food coloring may be added before selling to companies who will use the processed eggs for production of food or condiments as well as such things as shampoos, pet food, and in adhesives.

Technology has played a significant role in the production of eggs. Now, all eggs are able to be used in a variety of food areas, while the best eggs are provided directly to the consumer.

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Why is Car Insurance so High for Teenagers?

By Amy Nutt

Car insurance can be expensive at any age. One group of drivers where the rates tend to be the highest is teenagers. If you have a teenager who is about to start driving, it is important to explain why their car insurance premium is so high.

Statistics show that teenage drivers are higher risk drivers therefore they are a higher risk to insure. Statistical research has shown that drivers under the age of 20 are three times more likely to be involved in an accident. According to the CDC, "in 2005, over 4,500 teen deaths were a result of injuries sustained during an automobile accident, and 400,000 suffered nonfatal injuries. As well, teens in 2005 accounted for only 10% of the population but were victims of 12% of fatalities caused by motor vehicle accidents."

Boys under the age of 20 are at a greater risk of getting into an accident. Statistics also show that young male teens under the age of 20 are more at risk of violating such traffic laws as speeding, and they tend to drive more at night when there is a higher risk of an accident. For young people who just start to drive, they tend to make a number of driving mistakes. Teenage drivers are twice as likely to have an accident within their first year of driving, than a driver over the age of 25. Therefore their premium reflects the risk. Lack of experience and recklessness are two of the main factors affecting the price of a teens insurance premium.

Insuring your teenager could lead to insurance rates doubling. There are a number of methods one can employ to lower a teens car insurance premium. Not all insurance companies offer the same price, so make sure that you shop around to compare insurance rate quotes. You should be aware of discounts that may be offered. Students who maintain a "B" (3.0) grade point average can often receive a savings of up 20% off their insurance premium. Most insurance companies will provide savings for a teen that completes a student safety driver program from a certified and recognized driving institute.

The type of vehicle also determines the price of the premium. New and expensive cars will result in a high premium. A teen should drive an older car and maintain a clean driving record so that when they are ready to upgrade to a newer car, premiums will not be so high.

Many parents add their children to their policy. Adding a teen to a parents car insurance policy should involve explaining the type of car incidents that can increase a car insurance premium Parents can also require that the teen pays for the increase in the premium. This will give the teen incentive to obey traffic laws to avoid any further increases in the premium. Insurance companies will also include mileage as a factor. Keeping mileage low will keep your premiums low. Parents can set driving limits regarding how long the teen can use the car.

Car insurance for teen drivers does not have to cause your premium to skyrocket. When you and your teen are aware of the many ways you can lower your premiums and you implement them, it will help reduce insurance costs Taking time to explain why car insurance rates for teenagers will teach them fiscal responsibility and keep them safe when they are driving.

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What Are Mellow-Roos Property Taxes?

By Valerie Faltas

Proposition 13 was passed in 1978 by the Howard Jarvis Administration to limit propety taxes in the state of California. Proposition 13 extremely controlled the ability of government to use property taxes to build public improvements and services. As a result, California Residents had to discover different ways to fund government community facilities in their communities like roads, schools, parks, etc. The Mello-Roos Community Facilities Act of 1982 was enacted by the State legislature, the Act created Community Facilities Districts (CFD's) to be established as a means of obtaining this critical community financing.

Each Community Financial District has varies Mellow-Roos Property Tax. Normally|Generally|Typically, an adopted method that applies to the residence size or parcel size is utilized to ascertain the quantity of specific assessment. So a smaller home in a community will pay less than a larger house in the same neighborhood. In general, the special property tax and assessments do not exceed 1% to 1.5% of the market value of new homes. Also, the total quantity of all yearly property tax normally do not go above 2% to 2.5% of the residence's taxable property base value. If you take action to lower your taxable base value meaning, your property taxes you will save a substantial amount of money especially, if you have Mellow-Roos Taxes on your house since of the increased percentage in property taxes you pay. Most likely you will save thousands every year because even though the percentages are low values in California are high enough to make them significant.

In California many homeowners in most urban areas have lost in excess of $200,000 in market value on their houses and at the normal rate of 1.25% in property taxes they will save $2,500 per year for every year they keep their house! Yet, that same taxpayer at a 2% property tax rate because of Mellow-Roos taxes will save over $4,000 every year in property taxes! If you are paying Mellow-Roos and have lost $200,000 since you purchased your home and let's say you intend to stay in your home for the next 10 years, you will save $40,000! Don't settle for Proposition 8 the temporary decline in property taxes, its only temporary. Learning to PERMANENTLY lower your taxable base value in California is the key to saving thousands over the course of your home ownership which is disclosed in the California Little Black Book.

Frequently Mellow-Roos Property Taxes are applicable to newly built communities like large Planned Unit Developments (PUD) where there have been many new homes built at once and the property taxes are needed to establish city services. Ive seen Planned Unit Developments that had more than 5,000 homes built! So, the county and city governments need to scramble for financing to establish the roads, sewage systems, schools, recreation centers, parks and so much more. Prior to purchasing a home with Mellow-Roos property taxes you will be notified in the initial negotiation stages of buying the house and while in escrow that these property taxes apply. You will never be blind sighted by Mellow-Roos Taxes, it is required that you are notified prior to buying.

About the Author: Valerie Faltas, Property Tax Expert has been involved in all facets of real estate for over ten years including assessments, appraisals, estates and trusts, investing and much more. She is a Certified Property Tax Appraiser, Licensed Residential Appraiser and a member of the International Association of Assessment Officers. As a real estate investor and advisor she is well versed in all aspects of real estate. To contact Valerie Faltas go to her website: www.propertytaxlittleblackbook.com.

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Try 3D Software to Design Your Bathroom

By Darren Smith

If you're looking for a terrific means to refresh the look of your house and make it appear spanking new, then you ought to consider remodeling the bathroom. The bathroom is one of the most frequently utilized spaces in any residence. Consequently refurbishing it through modern flooring, fixtures, and lights can truly transform the way you think about your home.

If you've decided to go forward with a bathroom restoration, you might like to consider using 3D bathroom design software to help you design your new look. These software programs help you to produce a complete design of your remodeling task, and you can test various layouts to see how they might look. They have become extremely trendy with the home handyman crowd in recent times.

There is a computer program to plan pretty well any room of your home, from the dining room to the living room, and even the deck or porch. You can purchase several programs either on the internet or at certain stores. Here's a look at a few of the rewards of utilizing 3D computer programs for your bathroom refurbishing tasks.

One of the core benefits of designing your redecoration with 3D design software is that you will be able to get a proper representation of what the final outcome will be. You will not just be able to make certain whether or not your designs are doable, but you can also shift things around to see if there are other alternatives you hadn't thought of. You might have something in mind regarding the style you would like in your dream bathroom, but utilizing a three dimensional prototype will make obvious precisely how your design will turn out and if it's workable for the current or intended floor plan. Three dimensional software takes your vague ideas and breathes life into them so that you have a visual plan to follow. This can make both the preparation and the final outcome a good deal more pleasing.

Another reason why these programs are so beneficial is that they're filled with important information. They can provide you with up to date ideas on goods and design aspects that will help you make knowledgeable decisions concerning your renovation plans. For instance, if you're unsure of the options in bathroom floor covering or what looks are to be had for fittings and lights, the program can present ideas to you. If you know what's available, it's easier to plan what you would like your dream bathroom to look like.

When it comes to designing the bathroom you long for, a bit of education goes a long way. And 3D design programs can give you the facts you require to make your DIY home improvement project a success.

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The True Problem With Nearly All Christian Marriage Counseling

By Josiah T. Barttlett



Have you and your spouse become that couple that you promised yourself you would never become before you got married?

You definitely would know this couple when you saw them. The couple that makes you cringe because of the incessant bickering. The one where it's obvious that everyone is frustrated with one another.

The kind where you know in your heart that at least one -- and probably both -- are cheating.

No one wants to admit it, but this type of couple is the majority. In the Christian church, we have a higher than 50% divorce rate.

It's pretty apparent that whatever path we've been following so far hasn't been very effective.

So what's wrong?

Why haven't all the sermons, counselors, books, programs, courses and who knows what else -- all of which are supposed to help you have a successful marriage -- worked?

In a second, when we reveal the answer to that question, you're going to see why the couples who have finally had their eyes opened to the simple truth that forms the foundation of outrageously happy Christian marriages, your own relationship will be completely transformed.

But we don't want to jump too far ahead. I'm going to show you in just a second a few resources I think you should use that will help to completely turn your marriage around, no matter what's happened in the past, but first let's talk about a few things.

The simple truth of the matter is this...

Traditional Christian marriage counseling just doesn't work.

But what's even worse, the years that we've spent teaching thousands of couples how to have outrageously happy marriages have proven that traditional marriage counseling makes it more likely that your marriage will fall apart.

We understand that a lot of people aren't going to be pleased to hear that. No doubt you've given the traditional advice a chance - maybe you're tried the "wife must submit to her husband plan," or the "wife should respect her husband plan," and perhaps even the "husband as servant leader plan."

But still nothing seems to work.

Fourteen years ago, our own marriage was headed for divorce. And we were headed for disaster despite the fact that we were doing everything we were told by traditional "experts" who insisted it was God's plan for marriage.

Until we discovered the truth, there was no way we were going to be able to save our own marriage.

Problem is, the advice that you've probably followed has been misinterpreted. Many of the strategies taught by traditional counselors for Christian couples just isn't true.

Just so you understand, it's not that every single one of these experts is teaching tactics they know are wrong. Most of them don't mean to harm your marriage.

The real problem comes from their faulty assumptions more than anything else.

Now, we should discuss how to save your relationship by getting over these dangerous beliefs once and for all.

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