Your Ad Here

Thursday, January 15, 2009

BC Homeowners Face Tough Times When Flooding Strikes

Residents of Southern BC have faced tough weather conditions this winter, with buckets of snow wreaking havoc on transportation arteries throughout the mainland as well as Vancouver Island. Rising temperatures and heavy rains are now causing the snow to melt quickly, which is overwhelming waterways and flooding streets and houses.
Chilliwack, for instance has declared a State of Emergency due to dangerous flood conditions. Mudslides are also hitting some homeowners in the Fraser Valley, putting not only property, but lives at risk. The melting snow and rain have caused an overflow in Victoria's sewage system, which has resulted in untreated waste flowing into the waters of the eastern coastline.
With flood waters hitting so many BC communities, homeowners need to know what to do to protect their homes in the event of a flood.
The first thing that BC homeowners need to be aware of is the fact that natural flooding is not covered by standard homeowners insurance. In the event that your pipes burst or city water mains fail, you will be covered for any water damage incurred, but cases of overland flooding are not covered.
According to the Insurance Bureau of Canada, flood insurance is not available in BC because it would not be cost effective. In general, only those who live in high risk areas are willing to pay for flood insurance, which means that insurance premiums would cost homeowners a mint. Flood insurance would only be feasible if more people were willing to pay for it; it would even out the mix of high- and -low risk policy holders, making it a more viable venture for providers.
Some areas are now eligible for financial aid under the Disaster Financial Assistance Program, which is run by the Ministry of Public Safety. This plan is designed to assist homeowners and small business owners whose property has been damaged from an event that is not covered by standard insurance, such as overland flooding. Those who qualify for assistance can receive up to 80% coverage for damages that are between $1000 and $300,000.
Areas that have been approved for assistance from the recent floods and mudslides include Abbotsford, Chilliwack, Surrey, Langley, the Fraser Valley Regional District, and communities along Southern Vancouver Island. If you live within one of these areas, you must submit an application within 90 days of the approved event. To apply, visit the Provincial Emergency Program website at pep.bc.ca.
If you're concerned about flooding in your own home, the best thing you can do is to minimize the amount of water that can get inside the house. If possible, have sewer backflow valves installed to keep floodwaters and sewage from backing up into your drains. If this isn't feasible, you can minimize backflow by stopping all drains with drain plugs, weighing down your toilet lids to keep them closed, and disconnecting dishwashers and washing machines.
Line up sandbags around the perimeter of your home and in front of any vents or openings. If you can't find sandbags locally, fill pillowcases with soil from your garden.
Move everything of value (including important documents) to higher ground. If you have more than one story, move everything to the highest floor. Appliances and furniture should be raised as high as possible, and you should be prepared to turn off gas, water, and electricity. Make sure to have food supplies, bottled drinking water, flashlights, medications, batteries, and a first aid kit with you on an upper floor, and don't forget to grab your pets, some food for them, and a litter tray.

Property auction at a lesser price

Many properties have repossessed this year. Due to recession, there has been an increase in home repossession. According to a survey, there were nearly 19,000 properties that were repossessed in the first half of 2008. It is not easy to digest who have lost their houses. If you are planning to buy your dream home at a reasonable price, you can look for those repossessed properties which are now available for auction, at a lesser price. If you would have purchased a new home you would have paid 50 percent more but if you buy the same house through auction you will pay half the amount. In the past three years there has been an increase in the percentage of repossessed properties that are auctioned by over 300 per cent. In numbers the repossessed properties that were auctioned were nearly 3,102 in the first half of 2008 from 800 in the first half of 2005.
A survey from the Royal Institute of Chartered Surveyors tells that the properties that were sold easily through auction over the past three years are going through a bad phase due to credit crunch. But there is a plus point with less competition in auction you can bargain for the property at a price you wish to buy. Many bankers and lenders sell repossessed properties on a single day itself because they want to receive their amount and so they don’t wait for achieving a higher price. Due to this many properties are sold at a low price which is enabling investors to get some excellent deals. Even newly build flats are being sold at huge discounts. If you buy a property at auction you can save as much as half the value of the property. But remember before you step into the auction room do your homework well.
See to it that you auction the property at a price that you can afford, because if you raise your hand once you have to buy the property. The timescale that is involved in a property auction is much tighter when compared to real estate agent. If you’re planning to buy a property through auction see to it that your finances are in place, as there is limited time frame. You have to make 10 percent of the purchase price on the day of auction and the rest within 28 days. So contact a lender in advance who will help you out. Many lenders will not be able to process the mortgage application in such a limited period of time. So it would be better if you take guidance of a good broker. Remember to inspect the property properly before going for a bid. Some auction properties have legal minefields like bad titles of ownership. So try to spot it in advance. On the day of the bid you should have 10 per cent of your maximum bid, solicitor’s bid, two forms of identification and auction catalogue. If you don’t carry these don’t go for a bid.

What Else Can Your Home Do For You?

“What do you mean, what *else* can my home do for me?” you say. “A home is to live in and build equity; isn’t that enough?” Well, yes and no. If you just want a straightforward home with a straightforward mortgage, you don’t have to bother answering this question. Most people don’t and do fine. But if you’re wondering how you can buy a home that provides the maximum amount of income and/or the minimum amount of expense, read on!Ways your home can be used to make money or minimize expenditure:

Multifamily homes

Everything from duplexes to apartment units can be shared with other people to save money on maintenance, repairs and electricity. Consider teaming up with friends or family members to buy a home that will provide both parties with the benefits of a private single-family home for a smaller price.

Gardens

1 acre or even several pots on a balcony can add fresh fruit, vegetables and herbs to your diet. Many plants can also be raised indoors, making the air fresher.

Livestock

Even some suburban homes support a few chickens or rabbits grown for eggs and meat.

Home business

Save on overhead by working at home. Whether you do office work or childcare, you can save on transportation, food and clothing.

Space for repairs and construction

A home with the space to create and repair appliances, tools and clothing can save you a lot of money in the long run.

Cheap or free heating

Does the home have heating that you can fuel yourself for cheap, like a fireplace wood stove, pellet stove or some other kind of heating appliance that doesn’t require connection to the electric grid? Wood stoves can double as cooking appliances, so don’t discount their value for cooking meals and making hot drinks.

Energy-efficiency

Is the home energy-efficient? Today, such programs as EnergyStar certify homes and appliances for their efficiency in conserving resources like electricity and water. Can you add more systems to take your home further off the grid, like wind turbines and/or solar paneling?

Environmental friendliness

A home that is eco-friendly is also easier on your health and your wallet in the long run. There are many healthy alternatives to standard chemical-laden building materials, décor and protectants. Look for sustainable natural materials and low or no VOC (volatile organic compounds) paints, treatments and stains.

Walkability

Buying a home that is close to amenities you visit often can save you money on gas and improve your health.

When you want to live frugally and use your home as a way to maintain an economical lifestyle, it’s a smart idea to buy with these things in mind. A home that provides some or all of these options can save you money and put a little in your pocket.

Poop Your Way Free of Back Pain

Whether you have flat abs or a beer belly, you can experience pain due to excess abdominal gas and excess fecal matter in your intestines. It has been said that if you have only one bowel movement a day, you have up to eight meals left in your intestines. Gas can develop in a matter of hours after eating and stay around for a long time so listen up.
How does this relate to back pain? Allow me to explain… Abdominal gas can be devastating to the back-pain sufferer, especially one who is trying to take a more natural approach and is using stretching and exercise to get relief. Here's why: The position of your pelvis and the curvature of your spine are the two biggest factors that affect any condition that causes back pain. Even if the treatment you are using is a good one, your results will be hindered by a distended belly.
Big Belly Gas Pains
Let me give you an example: Suppose the last thing you eat at night is fruit. Your body will begin to digest it, and because fruit ferments very quickly, gas will be an automatic byproduct of that breakdown. Without any other food matter to push the gas along, it will get trapped. All night long your body will be fighting the effects of that gas, and you will wake up in the morning with killer back pain.
That's why I never recommend fruit as a midnight snack. Right now you may be thinking: What's so bad about a little gas? Answer: If your belly gets distended—much like a pregnant women—your abdominals are going to get stretched out, which means they are not going to be able to stabilize your pelvis as they should.
There is no amount of abdominal strengthening you could do to overcome the outward push of that abdominal gas. If your belly is distended, you will never achieve the neutral position for the pelvis that you need to get relief.
Flat Abs Gas Pains
I know what some of you are going to say: "But what if I have flat abs and back pain?" Even if you have rock-hard abs, the gas—instead of pushing your belly outward—could be pushing your intestines back into your spine and the muscle of your spine. That irritation of your intestines could be just as bad as, if not worse than, the outward forces. In either case, you will be amazed at how fast you'll get relief if you work on getting that gas out of your system.
5 Things You'd Rather Not Know
If having too much gas was not bad enough, there are at least five other irritating conditions that can affect your back pain due to improper bowel movement.
1. Most people are chronically dehydrated, which usually leads to constipation. Other reasons you might be constipated include the medications you are taking and the foods you eat. With constipation, you go through your day with excess pressure on your bowels. And whenever your colon is full of waste matter, it will be stiff and rigid. Because your colon is so close to your spine and the muscle of your spine, mobility becomes an issue, not to mention more pain.
2. Constipation creates strain. If your fecal matter is dry, hard, and difficult to eliminate, you will have to work harder to get rid of it. This can be murder on your body—your blood pressure spikes, your rectum is traumatized, and the pressure on your spine is tremendous.
3. Food allergies cause inflammation. Whether we know it or not, many of us have food allergies (nuts, wheat, milk, beans, etc.). With any allergies, you will have an inflammatory reaction, and the inflammation that emanates from your intestinal track is so close to your spine that the inflammation is going to affect the muscle of your spine.
4. Poor nutrient absorption can add pounds. A digestive track that is not absorbing nutrients properly will not allow your body to get the nutrients it needs to repair itself. This can bring on a chronic cycle of eating to try to satisfy your nutritional needs, which likely will lead to weight gain.
5. Stress on internal organs weakens tissue. The weight of the excess stool will put stress on your internal organs—your stomach, small intestines, and large intestines, all of which are held in place by very delicate fibrous connective tissue. As that connective tissue is weighed down over time, it will start to fail than sag and than your trouble are going to be compounded.
Poop Away Pain
Most people would do almost anything to get rid of their back pain. If you are undergoing any type of treatment (including the principles of Muscle Balance Therapy™) and want to improve your odds of getting relief sooner, try these tips:
• Drink more water. A good rule of thumb is to drink one ounce of water for every two pounds of your body weight. For instance, if you weigh 100 pounds, drink at least 50 ounces of water each day.
• Give yourself a visceral massage (called Sun-Moon). To begin, lie on your back and with both hands starting just above your right hip, apply inward pressure on your abdomen, going straight up to the bottom of your rib cage. Then follow along the bottom of the rib cage to the left and then down to the top of the left hip. Go slow and repeat to tolerance.
• Try Hydro Colon Therapy. Also know as colonic irrigation, it is a highly effective, although somewhat uncomfortable, method of flushing out the colon, or large intestine. Similar to an enema but more extensive, this procedure can be pricey (it has to be done by a trained professional).
• A less-invasive option is to find a good all-natural colon-cleansing product. Many of the new formulations taste okay, work gently, and cause no cramping or bloating. Most of these products begin to work overnight. The better products come with an anti-parasitic and an herbal tea.
To get the best results from whatever back pain treatment you are trying right now, do yourself a favor and drink more water and cleanse your colon. You will be amazed at the results and your waist line will love you too…

Effective Back Pain Exercises

The answer to a healthy back is appropriate exercise. The problems associated with back pain can be minimized with exercises. It is widely known that regular exercises will improve the appearance and health in general, but very few realize the benefits that good physical conditioning can have on their back pain.
The benefit of exercises for the back depends on the following three key principles:
To attain satisfactory aerobic fitness. To focus part of the exercising on the muscle groups that supports the back. To avoid exercises that cause heavy stresses on the back
The right kind of exercise program helps in keeping the back pain under control and can make it easier to continue doing the daily chores. A break from vigorous exercise can be taken if the pain becomes worse. A Doctor or physiotherapist can be consulted before starting an exercise program for deciding on the type of exercises that can be done to relieve back pain and to stay fit.
Warm up is important before exercise and deep inhaling has to be repeated before each exercise. Regular exercise helps a lot and if it is skipped for a day, unavoidably walking can compensate it, to some extent.
Exercises to strengthen the back and hip muscles:
Wall slides exercise helps to strengthen the back and hip muscles. Leg muscles also get relieved. By standing against a wall on the back, try to slide down with knees bent. The bend should be 90 degrees and count till 5. Then come back to standing posture. This has to be continued for five times.
Raising the leg also helps in strengthening back and hip muscles. Lay down on the stomach. Try to tighten the muscles of a leg and bring it up. Count till 10 and bring it down. Continue this for 5 times each for both the legs.
Sitting up partially strengthens the abdomen muscles. Lie on the back and keep the knees bent. Raise the head and shoulder above the floor and try to reach the knees with hands. Leg rising also benefits stomach and hip muscles.
Exercises to minimize the back pain:
An aerobic conditioning program for 30 minutes, thrice a week is ideal for overall fitness. Recommended aerobic exercise includes Bicycling, swimming and brisk walking. Aggravation of low back pain can happen if step aerobics and exercises like jumping and running are practiced. Aerobic exercises make the heart and other muscles consume oxygen more efficiently.
Swinging back legs could strengthen the muscles of hip and back. Stand in the back of a chair and raise a leg up and down without bending the knee. Repeat this for each leg.Posture training for sitting, standing, sleeping and even during motion is needed if posture is a factor. The type of shoes viz. High Heels that are worn can also affect the posture by adding more stress on the lower back by changing the posture.
Stretching exercises can be done for keeping the muscles flexible and less prone to injury.
Physical therapy: There are different forms of physical therapy viz. Passive Physical therapy and Active Physical therapy. Passive physical therapy includes Heat/Ice packs, TENS units and Iontophoresis. Active Physical therapy is the exercises like Stretching for back pain exercise, Low-impact aerobic conditioning and strengthening for back pain exercise.
While there are merits if a pattern of good conditioning is followed the wrong type of exercise may actually worsen the low back pain. Activities that pass on too much stress on the back like lifting heavy weights, jumping, running, step aerobics and climbing are not advised. Slow Cycling on a recumbent stationary bike can also relieve back stress. To sum up, exercise will decrease the severity and frequency of lower back pain and can be prevented when a comprehensive exercise program is followed.

Back Pain – Causes, Diagnosis And Yoga Tips

If you've ever groaned, "Oh, my aching back!", you are not alone. Back pain is one of the most common medical problems, affecting 8 out of 10 people at some point during their lives.
Back pain can range from a dull, constant ache to a sudden, sharp pain. Acute back pain comes on suddenly and usually lasts from a few days to a few weeks. Back pain is called chronic if it lasts for more than three months.
Most back pain goes away on its own, though it may take awhile. Taking over-the-counter pain relievers and resting can help. However, staying in bed for more than 1 or 2 days can make it worse. Acute or short-term low back pain generally lasts from a few days to a few weeks.
Most acute back pain is the result of trauma to the lower back or a disorder such as arthritis. Pain from trauma may be caused by a sports injury, work around the house or in the garden, or a sudden jolt such as a car accident or other stress on spinal bones and tissues. Symptoms may range from muscle ache to shooting or stabbing pain, limited flexibility and range of motion, or an inability to stand straight. Chronic back pain is pain that persists for more than 3 months. It is often progressive and the cause can be difficult to determine.The lower back is a complex area that connects the upper body (including the chest and arms) to the lower body (including the pelvis and legs). The lower back is composed of several vertebrae, disks of soft cartilage, muscles, joints, ligaments, and nerve tissue.DiagnosisBlood and urine tests will make sure the pain is not due to an infection or other systemic problem.
X-rays are useful in pinpointing broken bones or other skeletal defects. They can sometimes help locate problems in connective tissue. To analyze soft-tissue damage, computed tomography (CT) or magnetic resonance imaging (MRI) scans may be needed. X-rays and imaging studies are generally used only for checking out direct trauma to the back, back pain with fever, or nerve problems such as extremity weakness or numbness. To determine possible nerve or muscle damage, an electromyogram (EMG) can be useful.
Structural problems
In some cases, back pain may be caused by structural problems, such as: · Bulging or ruptured disks. Disks act as cushions between the vertebrae in your spine. Sometimes, the soft material inside a disk may bulge out of place or rupture and press on a nerve. But many people who have bulging or herniated disks experience no pain from the condition.· Sciatica. If a bulging or herniated disk presses on the main nerve that travels down your leg, it can cause sciatica — sharp, shooting pain through the buttock and back of the leg.
Below are some best yoga poses for strengthen the lower back:1.During the first week, practice the following yoga asanas:2.Pawan Mukta Asana, Bhunga Asana, Shalabha Asana, Uttanpada Asana, Shava Asana 3.From the second week onwards, the order of yoga practice should be as mentioned below:4.Pawan Mukta Asana, Bhunga Asana, Shalabha Asana, Uttanpada Asana, Ekpada Uttan Asana, Rechaka-Puraka Pranayama, Shava Asana

How Pillow Covers Achieve The Artistic Effect In The Case Of Decorative Items

Unless there is a very special pillow design, all models come together with their adjacent pillow covers; these external items are the ones that actually achieve the artistic effect in the case of decorative items. We should make a clear distinction between the pillow covers used to sleep on and the pillow covers used for the nice cushions on armchairs or sofas. The former are only made of certain types of material that are good for direct skin contact: cotton or silk on a regular basis. No synthetic texture should be used for the pillow covers you sleep on, as they increase the risk of skin infections and irritations.
Sleep pillow covers are usually bought in matching sets with the rest of the sheets and mattress covers; they have the same material, the same design and look great in any bedroom. Pillow covers or casings should be changed at least every weak, or even more often in case you have a skin problem such as acne. They are easy to wash and likely to last for a large number of uses. Not the same thing could be said about decorative pillow covers that usually require extra care when it comes to cleaning; due to the artistic pattern used in the design, such pillow covers are more exposed to deterioration.
We should not forget the fact that most pillow covers need to be a perfect match for the rest of the room decorations: too adorned items would contrast with a very simple interior design for instance. Sometimes, there are special cases when decorative pillows have no casings at all; this is the situation with leather made cushions that are the match for leather-covered couches. Nevertheless, such examples are pretty rare, as in general house owners have regular pillow covers, which can be alternated according to the season for increased good looks.
Thus you can very well use some great pillow covers with Christmas or Easter decorations; you can also alternate pillow covers with flowery or fall motifs depending on the season. The flexibility of use specific to such elements allows one to add an ever new colorful look to any house corner. Pillow covers can be changed according to the house owner's wish particularly since their main role is to give comfort and warmth. Sometimes, old drapes provide the material for pillow covers, and all one needs to do is to be skilled enough to design and sew the casings at home.