home improvement

As spring arrives and the days get longer, the sun feels warmer, and fresh buds start to pop out of the ground and on tree branches, green thumbs can't wait to get their hands in the dirt. Those living at higher elevations typically have to wait a bit longer to dig in than other flatlanders, as the nights can still be frosty, and the soil may still be wet from the snowmelt.
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With colder temperatures and snow on the horizon for those located in the northern part of the country, this is the time of year to batten down the hatches as they say. In doing so, one of the most important factors to check is your insulation. Proper insulation not only keeps the cold out, but it also keeps the energy bills down.
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Winter is coming, whether we're ready or not. Every year, despite all of fall's colorful warning signs, shorter days, and brisk mornings, the first blanket of white always seems to come as an abrupt surprise, dusting all that summer gear you never made it around to storing with regret. This year, no regrets! You're going to clean up, check, and double-check your way to being properly prepared. And here's how you're going to do it.
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"If you're not getting better, you're getting worse." It's hard to say who was first to utter that phrase but you hear it most used in sports banter. It is a round-about way to say that we're not living in a static world – everything changes and the same is true for factors affecting the costs to replace your home. Your policy might have been up to the task of covering the expense of rebuilding your home at one time. But, chances are, it may no longer afford enough coverage unless it has been changed to reflect the reality of replacement cost. Insurance industry experts and others routinely estimate that up to two-thirds of homes in the U.S. are under insured. For most of us, checking our home's replacement cost periodically is a good idea.
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