Author: AdminPOM

Ready, Set, Garden

With the wet, rainy reason drawing to a close, now is the time to begin garden planning and preparation. Cool season vegetable and colorful wildflowers are ready to be sown. While the soil is still warm, it’s an ideal time to prep and give your plants an opportunity to get established before the really cold weather sets in. Start out by sketching the layout of your vegetable garden, taking into account the sunlit and shaded area of your “canvas” and also noting the mature size of the various plants. Now is a good time to evaluate your landscape and consider possible replacements of trees, shrubs and perennials that may have been hurt during the summer storm season. The soil will need preparation. Whether it has been previously worked on or not, you’ll need to turn the soil to a depth of a foot or more. After turning, work in a generous amount of compost throughout and evenly about three to six inches and add fertilizer. Use a product made up of nitrogen and phosphorus. For soil that may be too hard or rocky, a raised bed will allow you to build your own soil. Cool season vegetables to plant now would include beets, carrots, peas, cabbage, broccoli, and spinach. By staggering the planting of seeds and transplants, you’ll protect a crop against loss over a hot spell. Tending to...

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5 Ways to Customize Your Home and Make it Stand-Out in a Crowd

Even if you share the same floor plan, roof line and landscape as your neighbor, you can still find ways to stand out from every other home on the block. Beyond making changes to crown molding and accent walls, giving your home a custom look on a limited budget requires planning it requires knowing what you want. From top to bottom, changes you make should be done so with a purpose. Here are some custom changes you can make to your home, particularly to add style to a bathroom, closet and other spaces, even if you are on a budget: Tip 1: Eliminate additional wall niches and replace them with dark stained bookshelves. A white cutout detail on mirrored cabinet doors can hide audio and video equipment. Tip 2: A wall screen provides an architectural element that adds sophistication to a room. Picture a wall framed with two by one inch boards. A design of three rows of four boxes each, connected with pieces of board- the whole thing painted white will pop against a darker wall. Tip 3: Replace bathroom vanities with a chest of drawers that you would normally find in a bedroom. Spruce the chest up with paint and chrome or gold handles to give the piece a nice flair. Tip 4: Make a storage space more accessible by taking down closet doors and adding shelving...

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Home Insurance: What Will It Cost?

It’s easy to assume that tragedies and disasters are things that happen only to others—never to ourselves. But the truth is that protecting yourself financially against events like storm damage, fire, wind storms, flooding, earthquakes and even theft or vandalism may mean the difference between keeping your home, or losing it to consequence. Homeowner’s insurance can save you and your family when you need a life raft most. The first question most people wonder about homeowner’s insurance is what it will cost them per month for their premiums. The answer is complicated, because the cost of insuring your home depends upon a number of factors. These include: The proximity of your home to a fire hydrant, police station or fire department The structural type of your home and how well it stands up to potential local disasters (earthquakes, storms) The presence of preventative systems in your home like burglar alarms or sprinkler systems The history of damages incurred on the property in the course of previous disasters (such as floods, earthquakes or seasonal fires) Whether or not you carry other insurance policies (such as auto or life) with the same insurer Age of the home Proximity of your home to sources of potential damage, such as homes on a river, or beach-front properties That said, it is possible to give some estimates on what a homeowner’s policy may cost. According to the...

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Safeco Homeowner’s Insurance

  Safeco Homeowner’s Insurance Safeco has been in the business of protecting its customers from financial harm since 1926, offering a broad selection of insurance coverage for autos, motorcycles, watercraft, RVs, and homes. Their unique homeowner’s insurance pricing system includes 30 tiers of coverage, that maximize your payment dollar and cater more closely to your exact and unique needs for coverage. Whether you need new home insurance, coverage for a condo, or umbrella insurance to cover your assets for unexpected difficulties and accidents, Safeco has a product that is right for you. Working closely with a certified Safeco agent—or by visiting online—customers can peruse the available coverage options and work out an insurance plan that meets both their practical and financial needs. Most policies include home damage and loss; personal property damage and loss; personal and medical cost liability; and cost of living assistance for a damaged primary home. Landlord coverage is also available for units with 1-4 dwellings. Quick Safeco Insurance Company of America Facts Corporate Address: 1001 4th Ave, Seattle, WA 98154 # of Employees: Over...

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Home Insurance Quotes: What You Need to Know

One of the primary pieces of advice given to anyone looking to reduce their new home insurance costs is “shop around.” While calling, emailing or going online to garner quotes from a bevy of different insurance companies can be time-consuming, the reward may be saving hundreds of dollars each year on your home insurance costs. In order to make your hunt for quotes as effective as possible, it’s important to create a “cheat sheet” that outlines an estimation of your insurance needs; once established, you can present the exact same insurance scenario to each company. Doing so allows you to compare “apples to apples,” confident in the knowledge that you are getting the best sense of what each company charges for an equivalent level of coverage. Here are some of the items you should include on your cheat sheet: 1. Replacement cost for your home. Use an online calculator to estimate the replacement cost of your current home. Remember, this is different than what you initially paid for your home, because you don’t need to repurchase the land! 2. Replacement cost for your personal property. You can also use an online calculator to estimate the replacement value of your belongings. Include everyday items like clothing, shoes and cookware, but don’t forget important sentimental or high-value items like jewelry, or collectibles. 3. Whether or not you will require coverage for special events...

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