Everything You Need to Know About a Solar Home Heating System

Perhaps you are indefinite on the fact that you want to have a solar home heating system installed in your house, or you have maybe just begun to get interested in the idea, either way there are a few things that you are going to want to be aware of first. Remember that the more that you know about a solar hot water heating system before having it installed in your home, the better off you are going to be. Visit us at: http://www.energysmart.com.au/ for more details.

What it is

A solar home heating system is a system used to heat the home that runs purely off of solar power. This is readily available energy that is given off by the sun, and which offers homeowners and the world in general, quite a few benefits.

Before you can have a solar home heating system installed, there are a few questions you will need to answer. One is what size of solar system you are going to need and this will all depend on the amount of energy that you are going to require.

For a typical family of four, 4 square meters of collector and a total tank storage of 80 gallons are normal. Just be aware that these are only variables and may be different depending on the amount of water and heat that you use in your own home.

Build or Have Built?

Are you thinking of building your own solar home heating system or do you prefer the idea of having a professional company come in and get the job done for you? Most homeowners prefer the latter because then they know that they are going to get the best results and will not have to worry about spending money in case they mess up if they choose to build it themselves.

There are some great professional companies out there who specialize in the field of solar power and who will be more than willing to come in and get the work done for you.

Reliability and Durability

Although there are many different benefits that are offered by a solar home heating system, two of the most vital are reliability and durability. Properly designed and installed solar heating systems will last a lifetime, and with very little care and maintenance required at that. Normal maintenance consists of checking pipe insulation, roof penetrations and collector mounting, all of which are quite simple to do.

How Much Could A New Water Heating?
Solar water heating is another option for your home which creates substantial savings.

Solar Power Home
“It makes more sense for people to go and buy a solar heating system than a brand new plasma TV for a few thousand dollars – which we see every day” Rasken said.

How To Create Home Solar Energy
Be sure to read about installation process and cost, primary equipments and accessories used, and warranties offered by each home solar energy dealer.

Heat Pumps
The key to a good ground source heat pump installation is insulation. Great insulation will benefit any home, whatever the type of heat system.

Home Solar Power Systems
Doing a complete study on the solar panels different providers have to offer can be very helpful.

Roller-blading Is A Fun And Fantastic Way To Build Kid Fitness

Roller-blading information and more. Positive Health Wellness Leave us your name and e-mail address and we will send you free weekly information on parenting, child safety, fitness, and health information to help you raise incredible kids. Don’t worry, your e-mail is safe with me. I pledge to never sell it or lend it to anyone.
Bauer Vapor 6 Roller Hockey Skate

In-line skating is a great way for kids to have fun while exercising.

Many parents are concerned about their kids health, fitness, and well-being. In-line skating can be a great addition to any exercise program.

Instead of getting locked into doing walking, running, or bike riding it is a good idea to have a multi-pronged approach to kid exercises.

Roller-blading builds strong lungs, lower back strength, shoulder developement and provides fantastic leg building potential.

The glutes (butt muscles) are firmed up, the hip flexors are stretched and the quadriceps, hamstrings, and calves get a lot of work.

If your child has some flab around the mid-section, in addition to doing ab exercises or stomach exercise, movement and aerobic exercise contributes to fat loss around the stomach, lower back, and “love handle” area.

Not to mention, it is a lot of fun when done with someone you like.

Roller blading can be considered an aerobic activity. Aerobic simply means the body is using more oxygen, the heart rate is increased, and the metabolism is engaged. These are all essential to child weight loss and fitness.

Helping your kids lose weight takes some work and proactive parenting, and establishing fun activities such as roller-blading a couple times a week, along with walking, or bike riding will add variety and keep exercise interesting.

Getting the right equipment makes it more fun.
Having a helmet is essential to their safety. I know they won’t want to wear one, but its easy to fall wearing roller-blades, and you don’t want to take a trip to the hospital, so make sure they have a helmet. It could save their life.

Elbow pads and knee pads help the joints if a child should take a spill. In addition to roller-blades, that’s about all your kids will need to begin adding roller blading to their child exercise program.

When buying roller blades, make sure you buy decent equipment. Exercise is so much more enjoyable when you are comfortable.

So buying some Barbie roller blades probably won’t cut it, so plan on spending somewhere in the range of $50 to $99 for a good pair that will be comfortable.

A Roller Blade Child Exercise Workout

When first starting out try roller-blading for 15 minutes at a slow pace. As your child gets better at it, increase the amount of time to up to 30 minutes at five minute intervals.
Spice it up a bit by throwing in some competition against a stop watch or another child. Set up a sprint of 25 to 50 yards and time them. Challenge them to beat their time, and make sure you provide a reward that is motivating.

When a child sprints, there is increase heart rate and blood flow. The lungs build up greater capacity and overall health is increased. Additionally, sprints add muscle mass to the legs and buttocks, which helps burn fat from the body more efficiently.

Adding roller-blading to your child’s exercise endeavor will make it more interesting and add fun. Children should get 30 minutes of sustained activity a day, and mixing it up for them helps them develop the healthy habit of child exercise and fitness.

What to Look Out For When Adopting a Dog?

If you are in the market for buying a dog, why not think of adopting a pet from your local shelter or rescue? Adopting a dog and providing him with a loving home also blesses you with a lifelong companion flood damage Brisbane and the knowledge that you have helped to save an animal’s life. If you are open to the idea, visit your local animal rescue center or local shelter armed with a few questions before making your decision. Prior to even looking at the pups and dogs up for adoption, make sure that the shelter has a licensed veterinarian on its staff. This will indicate that all the dogs are under medical care and have been vaccinated and checked for disease. Some people may voluntarily adopt a pet which has been injured. In such cases, find out all the details about the injury, the extent of medical treatment required and the cost of future treatment if the need arises.

Shelters also classify dogs up for adoption on the basis of their temperament. Professional caretakers can identify characteristics and personality types in dogs and can help you when choosing the best pet for your home and family. The shelter staff should be able to advise you on whether the dog in question can be trusted with children or how he reacts to other dogs or people. Choosing the right dog for your lifestyle and family set-up is very important. For example, if you live alone in a small apartment, you definitely do not need a large boisterous dog, which needs people and activity around him at all times. On the other hand, if you have children and a large backyard, such a dog may be the best match for you. When adopting, keep in mind the dog’s size, his friendliness, the exercise regime he requires, and his assertiveness. Speak to the shelter staff for information on various breeds to find the pet with the qualities you are looking for.

Most shelters have both mixed breeds and purebreds up for adoption. Keep in mind that adopting a purebred puppy will give you a good idea of how he will behave and how big he will grow as most conform to a particular ‘breed standard’. Adopting a mixed breed may be a bit of wild card as predicting their physical personality traits is not always possible. That said, a mixed breed is likely to be stronger and healthier than certain purebred dogs as they are generally free of genetic defects.

When choosing a shelter dog, remember that his true colors may not be evident until he is away from the hustle and bustle of the place and the other animals. Dogs feel shy and scared so spend time with each animal before making your choice. Adopting a puppy is ideal if you are willing to spend time in training him and correcting his behavior. If you lack the patience or willingness to do this, an adult dog may be better suited for you. Once you have chosen your new companion, the next step is keeping him safe and secure. Shelter dogs may have been found off the streets and could have a tendency to run off and get lost. To prevent this from happening, invest in a dog GPS locator. GPS canine tracking such as the SpotLite 2.0 GPS pet locator will provide you with 24/7 tracking of your pet’s location using the latest GPS technology. This device is small and easily attaches to your pet’s collar, and it will inform you of your pet’s whereabouts at all times. You can track him 24/7 online or with your mobile phone, and you can also receive text and email alerts if he wanders away.

How to Measure Risk

Investing in stocks is a risky business. There are some risks you have some control over and other that you can only guard against. Thoughtful investment securities selections that meet your goals and risk profile keep individual Låna 40000 stock and bond risks at an acceptable level.

However, other risks inherent to investing you have no control over. Most of these risks affect the market or the economy and require investors to adjust portfolios or ride out the storm.

There are two ways to measure risk. One is by using modern portfolio theory and the capital asset pricing model and the second is to look at the various risk factors which affect a business.

Capital Asset Pricing Model

We will not discuss in detail this theory of asset pricing as it requires you to have a working knowledge of first or second year university level statistics and finance. Since this is an introductory article, readers who are interested to learn more about the CAPM and Modern portfolio theory are encouraged to attend a course in finance or seek advice from a qualified advisor.Basically, the CAPM makes some major assumptions about investors and their preferences. In order to use the CAPM to find the proper discount rate, one must know three things: a stock’s beta, the nominal risk free rate, and the expected return on the market. Stock’s with betas greater than one are more risky than the market and betas of less than one are less risky. For example, a stock with a beta of 1.5 is expected to gain 1.5% when the market rises 1%.
Modern portfolio theory is also where the main ideas about diversification come from. We will look at this concept in more detail later. For now, we can define a diversified portfolio as containing securities which have little or no correlation to other securities in a portfolio or the market. These securities are then placed in a portfolio in such a way as to minimize the volatility of the portfolio.

You may be scratching your head by now but this is essentially the basic concept of diversification and minimizing risk. There are a lot of disadvantages and advantages to using the CAPM and MPT. One assumption of the CAPM I will mention is that there are two types of risk. Market risk and firm specific risk. The CAPM assumes that investors only get a premium return for taking on market risk because the firm specific risk can be entirely eliminated through diversification. Thus, beta only measures market or nondiversifiable risk.

Second Way to Measure Risk

The second way to measure risk is to start by taking a nominal risk free rate. How do you do this? Well you take the yield that is currently offered on US Government bonds that match your investment horizon. For example, if you plan to invest for 5 years, you should use the yield on 5yr U.S. bonds. Now add to this the premium for risk and voila-you have your required return or discount rate. You may be asking, what makes up the risk premium? Well, remember from lesson one there are five things: financial, business, liquidity, foreign exchange, and political risk.

Financial Risk:

Financial risk involves a company’s capital structure. What is their debt/equity? What is their current ratio? etc. We will look into how to assess financial risk in greater detail later in lessons on accounting and financial statements analysis.

Business Risk:

This involves the economics of the firm you are looking at. Ask yourself, how will this company look ten years from now? Do they have barriers to entry? (ie patents, economies of scale etc. more on this in the economics lessons).

Liquidity Risk:

It has been shown through various studies that firms which are private or thinly traded are sold at a significant discount to their value compared with similar firms with active markets. Firm’s which can be easily bought or sold with little transaction costs are called liquid or marketable. The lack of liquidity can occur if the stock you are researching is not widely followed. It can also happen if you plan to liquidate a large block of stock. Your transaction could bring down the price significantly.

Foreign Exchange/Political Risk:

This involves firms which derive significant portions of their sales overseas. For example, many exporters to Asia have been affected by weaker demand for their goods. Foreign Exchange/Political risk can also happen because the company you are looking into is heavily restricted by the government. Finally, different countries have different accounting rules so you should be aware of this when investing in foreign stocks.

When investing in foreign stocks, you also run the risk of the U.S. appreciating. To adjust for this, you should restate your foreign returns to U.S. returns.

Searching for the Perfect Car

Searching for a new car can be a daunting task. car detailing Melbourne There are so many factors that go into choosing the right vehicle, and given my love of cars, I’m always searching for the perfect one. So, this time around, I decided that functionality, safety, interior appointments, and overall enjoyment while driving would be the deciding factors.

After all, I live in suburbia and spend practically 1/3 of my day driving, so an enjoyable ride experience is important to me.

After spending 7 years in small sedans (Audi A4, VW Jetta), I decided that I wanted an SUV. I know, I know. SUVs consume way too much gas and contribute to global warming. I saw An Inconvenient Truth and even have a copy of the book on my nightstand. I really wanted to consider a hybrid SUV, but the Ford Escape has poor rollover ratings, and the Lexus RX400 is out of my price range. I probably should have considered the Toyota Highlander, but I couldn’t bring myself to buy a $40,000 crossover with such a hideous exterior. (Note: the 2008 Toyota Highlander, due out this summer, is much better-looking than its predecessor).

With much attention on SUV rollover safety, I was adamant that my future SUV receive at least a 4 star rollover rating (The NHTSA gives a 1 to 5 star rating to cars and SUVs). Four stars means a car or SUV has a 10 to 20% chance of rolling over in a single-vehicle crash. Many conventional, body-on-frame SUVs (Ford Explorer, Chevy Tahoe) receive 3 stars or less. These days, car manufacturers are coming out with more stable crossover SUVs that are much less likely to roll.

I spent five days driving a 2007 BMW X3 and enjoyed its decent gas mileage and agility. I truly felt like I was driving a sports car, and was able to maneuver in and out of city traffic with ease. Disappointingly, on a few highway trips going approximately 75 MPH, the X3 was noisy and didn’t feel completely stable. The interior, while functional, is rather bleak for a $42,000 SUV (or SAV, as BMW calls it). There are no current rollover statistics for the BMW X3 either, so the X3 was pretty much out of question.

Then, a few weeks later, I went to check out the Audi Q7, Audi’s first SUV that came out in 2006 as a 2007 model. I already had an Audi A4 1.8T, and was happy with Audi’s service and my A4’s reliability, so I went to the dealership to see the Q7. The salesman gave me the keys to a 3.6 Premium and let me take it out on my own. The first thing I noticed was its massive size. Coming from the A4, I felt like I was driving a bus. The interior cabin is very similar to the Audi A6 and features a driver-centered cockpit. All the controls face the driver. The Q7 is a pleasure to drive and unlike my Audi A4 1.8T, has loose steering, which I prefer. Because of its massive size and poor rear-view visibility, I would be hesitant to recommend getting this SUV without the $3,000 technology package that includes a backup camera. Although I wasn’t in love with the Q7, I wanted to see what kind of deals Audi had on it. The completely apathetic salesman took off $1500 from the invoice, and said that was Audi’s final offer. I didn’t love the Q7 or Audi’s boring, unenthusiastic salesmen, so I decided to go to a Volkswagen dealership a few miles away.

The Volkswagen dealership was a complete 180 from the Audi dealership. The Volkswagen salesmen were excited about their vehicles (yes, I do realize they are salesmen, but the uninterested and aloof ones at the Audi dealership were a huge turnoff). And then I saw her, a shiny black Touareg. It was smaller than the bus-like Q7, and in my opinion, has more attractive rear lights. The Touareg interior exudes luxury. I didn’t feel like I was in the same 2000 Jetta I used to have; I felt like I was in a miniature Range Rover. The Touareg interior is flawless, and the front cabin actually felt more comfortable than the Q7. I took a V6 out on the road and was sold. The Touareg filled all my requirements. It is functional (I have an 85 pound Golden Retriever and a bicycle), safe (the Touareg consistently receives 5 star safety ratings, as well as a 4 star roll over rating), enjoyable to drive, and has a gorgeous interior. I ended up with a 2007 black Touareg with beige interior, and premium package 1, which includes leather and back-up sensors. I also got her for under invoice because the dealership was moving out the last of the 2007 models. While I have no complains about reliability to date, I’ve only logged 1800 miles on her so far. I have read worrying complaints about reliability, but hopefully will not have to deal with those in the future. I will make sure to let our readers know if I do.

As much as I love driving the Touareg, I can’t help but feel guilty about her impact on the environment. In city driving, I consistently get around 15 MPG. Sadly, I don’t think SUVs are our main problem. For us to ultimately be able to reverse our dependence on oil and the effects of global warming, we need to completely overhaul our way of life and the technology we use. Hopefully, solar power SUVs made out of recycled materials (made in an eco-friendly plant, too!) are in our future.

How to Choose Financial Planners

inancial planners task are to advise and encourage the client to save the money, invest in promising sectors, and make the client’s wealth grows. They will help the clients to achieve certain goals related to finance. It can include preparing the funds to buy a house, encourage client into long-term investor or business, and much more. If you have financial problems such as debt in the bank or mortgage låna 30000 kr that has not paid off, they will also help you to handle these problems by regulating the circulation of financial of yours through your own hand. Each planner has different specialties. One of them concerns on pension matters and the others will pursue the world of finance in other sectors such as managing finances when the client is still productive.

It would be better if you take some tips below that describe the proper way to look for a trusted financial advisor. Financial planners are not a stock broker who will manage your finances during the trading takes place. It is not accountant who will give advice so that your tax and bill is reduced. It is also not an insurance agent who will give you protection and guarantee based on terms and conditions or a person who invites you to cooperate in business property.

They have certified and qualified to be financial planners

If you need financial advisor, make sure that the person has a financial finance certificate. Then, they are trustworthy, licensed, and has qualified in financial planning stuff. Everyone could be a planner but the licensed and certified one always gives the client the best service financial planners can do.

How the salary structure

Notice how the planners get the salary. Make sure if the planner you choose earns the money based on the hourly rate or fix rate every time you use the service of the planner. But if they got the money from commission, you have to be aware because maybe your planner is planning something.

Agreement and code of ethics

Read the agreement and code of ethics that is offered by your financial planner. Maybe from there you can discuss something first before make a new step on financial stuff. Actually you can manage your finance without any help. But when it all becomes complicated, it does not hurt to pay for planners services. Moreover when you are busier because the stuff is getting bigger, then the financial plan to maintain the economic stability is needed.

Why and How to Build your Twitter List

Whyshould Allied Health Professionals bother with a twitter account? I’ll tell you why, its because its the easiest, cheapest and most real time connection to your clients, your peers and your community and chat with a stranger.

Lets talk about easy- 5 minutes is the estimated time it should take to set up an account. Just google Twitter and follow the prompts to sign in. Create a username that is in keeping with your overall branding strategy. If your practice is called “Lifecare Holland Park” then a suitable twitter username would be @lifecarehollandpark. Keep it simple people. Upload a photo to be your Avatar. For a business I suggest a staff photo or a shot of the physical building which your clients will recognise. You can customise your background to match your logo colours and follow the prompts to link any facebook accounts or other social media platforms. That would have taken all of about 15 minutes tops.
Lets talk cost. ZERO Dollars. Yes, zero dollars to have an audience follow you. Unbeatable value and will slot happily into most clinics’ marketing budgets.
Final reason why you should create a business twitter account is because it is in REAL TIME. An example of real time benefit for allied health clinics is when a patient cancels an hour before their appointment. Twitter allows you to immediately tweet your followers with the available time slot and a possible incentive discount. Within minutes you will most likely have filled the time slot and your return on investment (which was zero dollars) will be significantly positive. This one example has the potential to save your business several hundreds of dollars a week, or thousands a year. In addition you are providing another level of customer service to clients who find pre-booking appointments a little difficult.
Now that we have discussed the Why… lets talk about the How? There are some basic rules. Use the proper #hashtag and throw in some good content and you will be building a following within no time. Notice I said build a following. You have got to engage and build a relationship with people to gain this following but when you do its going to monetize itself. Often when content is mentioned, people shut down. The thought of researching, writing and presenting content screams “time consuming”. This certainly doesn’t have to be the case. A tip I use is to visit http://popurls.com/ and enter in the search box the keyword relevent to your field of service. Hopefully, on a good day you will be given a list of relevent articles with links to quality content your audience may appreciate. You can hit a ‘tweet’ or ”facebook” button and share this content automatically. A second tip, visit http://www.twellow.com/ which is the yellow pages of Twitter. You will find it easy to search for people with shared interests in various regions of the world rather easily. Follow those people who seem to have the same interests as you and you will be well on your way.

Your twitter buddies will enjoy reading what you write if they like what you have to tweet! Those tweets have to be more than links to your latest blog posts, more than quotes and not just about what’s great about you or what you are trying to sell. Engage. Hi @twitterfriend what’s up? Hiya (Name) @twitterfriend how’s it going? Yes, talk to people and listen to what they say. Search a topic and location in search.twitter.com in the advanced setting and name your topic then listen. Ah, there’s a good one. They are talking about my favorite new exercise for abdominals. I’m joining in that conversation. Presto, you have new friends. You could also click on the ‘trends page’ and follow a hot topic of conversation that interests you. As I write this blog… Michael Clarke seems to be ranking right up there in ‘trending people’ …? something about being highest cricket runs scorer for Australia.

Follow people that are likely to follow you back. If someone is following 500 accounts and has 20k followers, they aren’t likely to engage with you. People who follow close to the same amount of accounts as they follow are out there to engage and see what you have to say.

The cool thing about Twitter is # tags. If you tag it in the appropriate category anyone that searches that topic can find it. You get to be in the awesome twitter search engine under the topic YOU pick. That takes some time in Google.

My Golden Rules of Twitter…

Engage with people and don’t just try and sell them something

Follow people with shared interests (otherwise it is just too boring to wade through garbage)

Use the right hash tags. (#fb – sends it to a linked facebook account, #in – sends it to a linked in acccount)

If you use twitter the right way it’s a goldmine of traffic that can send your IDEAL client walking straight through your door. If you have a website or blog, then it can eventually be used to get that blog traffic we all crave.

How do you use Twitter for business ? Have you met your ideal client on twitter? Share your experiences in the comment section below. PLEASE.

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