Mobile Homes… What to Look for

Mobile homes are usually mounted on grade-level wooden or concrete blocks, with the trailer wheels removed. They are typically skirted with vinyl or aluminum siding, or painted plywood sheathing. Mobile homes are sometimes installed on concrete block foundations, and it can be difficult to determine whether the foundations are mounted below the frost level, because the crawl spaces are normally back-filled to grade level. We’ve seen the odd mobile installed on a full-depth, finished basement. From an occupancy point point of view, there is essentially little to separate such installations from many other manufactured homes.  Private Label CBD 

Mortgage lenders and insurance companies generally request storm tie-downs for mobiles homes in most areas, unless they are bolted to foundations at least 5 feet deep.

Experienced home inspectors ask the same fee for mobile home inspections as for traditional homes. Although mobiles tend to be smaller than the average house, they do take as much, and sometimes more time to inspect. The same is true for most cottages. We frequently hear “It’s only a small cottage”, or “It’s only a mobile, why should it cost as much as a house?”

We do a number of mobile home inspections every year, however they account for less than 2% of our total volume. The following are some of the points that we pay particular attention to, some of which are specific to cold-weather climates. There are certainly more items than listed here, to check for – but these are some of the more critical items that come to mind, which are specific to mobile homes.

1. Check crawl space venting, and look for evidence of mildew, rot, rust etc. under the unit – especially exposed, retrofitted plumbing, electrical and duct work.

2. Are the supply and waste piping adequately insulated, and/or heated for winter conditions?

3. Is there adequate combustion air for a standard gas or oil furnace? Most of the furnaces we observe are standard gas or oil, forced-air, down-flow style. The make-up (combustion) air source is usually from under the trailer, excepting newer installations of direct-vent furnaces.

Is there adequate ductwork? In some mobile mobile homehomes the original configuration provided for supply and return air only at the furnace closet door. Much of the retrofit ducting is flex-duct, and may be damaged or deteriorated under the unit. Everything under the unit is also susceptible to rodents.

* Speaking of rodents, don’t be too quick to stick your head into dark spaces – you could meet any number of cats, rats, coons and other critters – they can be vicious when they’re cornered!

4. In cold-weather regions, uninsulated oil tanks (outdoors) are subject to condensation and rust, especially at their bottoms.

5. Depending on the soils under the trailer, the unit may heave and shift under heavy frost conditions, unless the pilings are mounted below frost level.

6. Many units are insulated with Urea Formaldehyde Foam Insulation (UFFI). This might, or might not be a consideration – depending upon history and attitudes in your local area. Polyurethane foam and other insulations are sometimes mistakenly identified as UFFI.

7. Mobiles are generally quite air-tight and (in cold-weather regions) retained moisture will cause excessive condensation on windows, especially metal-framed and/or single-pane units. Many mobile home in colder areas are re-fitted with wooden or vinyl, double-pane windows.

8. Older mobiles had 50 or 60 amp electric capacity, and newer models most often have 100 amps. However, depending on the mobile home park, they may be connected to a pole-mounted shut-off, of less than 100 amps.

9. In many mobile home parks, water and sewage are private or communal – not municipal. It is important to know how your sewage is managed, who is responsible and who pays for maintenance and repairs to private or communal systems.

10. Beware of owner-installed porches and additions. These demand diligent inspection. There is frequently wood-earth contact, and poor ventilation underneath – and frequently unorthodox framing methods. The porch roof-to-wall flashings are frequently substandard and problematic.

In our search for standards information…

* Building Code Officials inspect only ‘built-on-site’ structures. 
* The mobile home sales and service outlets suggested we contact the manufacturers for standards information. 
* One manufacturer directed us to CSA (equivalent to UL… they test everything from bread makers to woodstoves.) 
* CSA directed us to the Building Code Officials for post-installation concerns… it appears that mobile homes, at this time in our local area, are in an administrative “grey” area.

More notes regarding the installation of mobile homes…

* In regions not considered “high-wind” zones, over-the-top tie-downs have not historically been used for single-wide manufactured homes. 
* Piers or pilings comprised concrete and/or wooden blocks, placed on-grade at intervals beneath the trailer frame, have historically been accepted as the norm in most parts of Canada. 
* Tie-downs consisting of spun steel cable, wrapped around the trailer frame and fastened to driven or screw anchors are typical in most locales, although not necessarily consistent among all manufactured homes. 
* The mounting and tie-down methods typically employed may, or may not comply with the manufacturer’s recommendations. 
* Although mention is often made of manufacturer’s installation manuals, these documents are rarely, if ever available. 
* See also: CBD-188. Wind Forces on Mobile Homes by National Research Council Canada, 1977

Notes on Moving Mobile Homes…

* Under some circumstances (leased land, for example) a lender or insurer may want some assurance that a mobile home is still transportable. 
* Older mobile homes may or may not be transportable, depending upon whether moving service personnel are able to mount axle assemblies, and whether the unit is roadworthy. 
* The actual process of moving a mobile home as a vehicle is a point of interest which a home inspector cannot address or confirm, and involves considerations which only the selected mover could evaluate. It is however reasonable to believe that if axles could not be installed for any reason, or if the unit is found to be not roadworthy as a vehicle in its original configuration, it could possibly be moved by other means, much the same as any small house.

Three Reasons to Choose Wooden Rattles for Your Baby

Three Reasons to Choose Wooden Rattles for Your Baby

Wooden rattles for little ones are crafted with care by Scandinavian designers using sustainable materials – something we care deeply about! Cam Cam wooden baby rattles are made with sustainable wood, making them safe for your little one and the environment! We love the handcrafted look that Cam Cam adds to their adorable baby rattles and soft toys. Not only do these lovely soft toys and rattles help to sooth and entertain your child, they also add to your overall nursery decor! Here are our top three reasons to choose wooden rattles for your baby:

1. Naturally antibacterial

Did you know this one? Wood actually has natural antimicrobial properties and is therefore naturally antibacterial. How cool is that?! As parents, we are constantly worried about germs around our babies so this aspect of wooden baby toys is a huge plus! Not only is it one less thing to worry about, baby teethers are constantly in babies’ mouths so this factor is especially important for a product like this one.

2. Sustainable

Beech wood is uniquely sustainable in that it can be grown in renewable and managed forests. This means that more wood can be grown to replace the trees that have been used and cut down. sustainability is a HUGE factor in all of the products we carry. So, of course we have gravitated towards these amazing wooden teething rings as the best option for soothing babies’ gums!

Wood is far more durable that plastics – which many baby toys are made out of. This means that your wooden teething ring will far outlast any plastic or cheap baby toy you could purchase for your little one. The durability of these wooden rattles makes them last longer, which in turn creates less waste from otherwise disposable products. The durability factor of these wooden teethers brings us to our next benefit – sustainability.

3. Chemical free and non-toxic

One of the primary benefits of opting for wooden rattles over plastic or other popular baby toys is the fact that wooden teethers are non-toxic and free from harmful leads, metals, BPA, chemicals or phthalates. We want our customers’ children to be as safe as possible by providing them with the safes and best products. The safety factor of these amazing wooden baby toys is a major reason why we’ve decided to stock them and why we recommend them to parents.

Hopefully we’ve shed some light on the amazing benefits of all-natural baby rattles and wooden rattles. Not only are they durable and environmentally sustainable, they are also the safest bet for your baby during playtime. Be sure to visit Australian online boutique, Nordlife, to shop these amazing all-natural baby toys and rattles plus more!

Getting Health Insurance in an Emergency

That is an try to drive folks to pressing care facilities or physician’s workplaces that are cheaper and may save the insured cash. Exceptions exist for referrals from a doctor to the ER for non ER providers, non ER providers offered to kids below age 14, situations when an pressing care clinic is greater than 15 miles away and when care is run on Sundays and main holidays.

Needed ER Visits

There may be loads of gray space right here however the Reasonably priced Care Act defines an emergency as something that “a prudent layperson, possessing a median information of medication and well being” would consider to be emergent and in want of rapid consideration.

That leaves it to the affected person to self-diagnose after which resolve which is probably the most prudent place to go. In fact, it doesn’t assist that ER employees and docs typically can’t decide if an ER go to is critical with out inspecting the affected person and probably performing extra checks to rule out a situation.

True Emergencies

Whereas coughs, sore throats, and complications are normally not emergencies, the truth is that the Journal of American Drugs found that six of the highest ten causes for pointless ER visits are additionally within the high ten signs of actual emergencies!

Earlier than You Head to the ER:

  • Strive telemedicine or a digital physician’s go to. This strategy is simply starting to get traction. Many main insurance coverage firms present this protection profit.
  • Select a retail or “nurse in a field” clinic typically situated in massive field or drug shops. The bulk have non-business hour availability.
  • Try a faith-based program. That is the place participant’s assist one another’s medical wants throughout the nation and world by using Medical Value Sharing Ideas.

Earlier than an Emergency Occurs – Know Your Coverage

Be sure you know what your insurance coverage coverage says about emergency care reimbursement and what defines an emergency. That is extra vital than ever in a world of rising deductibles, increased co-pays and co-insurance, much less protection and rising premiums.

Do your due diligence earlier than you obtain an ER invoice and in addition test the hospital’s monetary help pointers. Whereas many of us assume that is just for non-insured or low-income conditions, there sometimes is an possibility for insured to under-insured sufferers as properly. You should meet their pointers to qualify.

Health Insurance: The Race Against the Clock

There’s nonetheless time for Congress to choose up the items of adjusting the healthcare system to assist stabilize it. The destiny of the Reasonably priced Care Act is but to be decided. Within the meantime, individuals wait whereas paying extraordinarily excessive premiums and have mountains of out-of-pocket payments on the kitchen desk. The place is the affordability of the Reasonably priced Care Act?

Tick Tock for the insurance coverage corporations as effectively. They’re beneath a timeline for submitting dates this summer time. Insurance coverage corporations have time to determine if they may nonetheless supply ACA plans or not. By withdrawing ACA plans, issues will begin shifting again to earlier than the legislation was signed. This time capsule could be good for a lot of.

The insurance coverage corporations could start screening for well being circumstances. Don’t panic simply but! Years in the past, the one downside with pre-existing circumstances was not ‘if’ an insurance coverage firm would take you, however which one. Every insurance coverage corporations had personalities for well being circumstances. Simply because a giant title insurance coverage firm turned somebody down, that didn’t imply you might not get medical insurance from one other firm. Insurance coverage brokers simply needed to match the persona with the insurance coverage firm. It is so simple as that.

If nothing occurs by late March, we may very well be shifting into extra will increase on the well being plans in 2019. That is horrible information for people on the point of shedding their medical insurance attributable to value. Not everybody does effectively sufficient to pay for his or her medical insurance with no downside, and rather more don’t qualify for any authorities subsidies for the premiums.

Governors in Alaska, Ohio, Colorado, Pennsylvania, and Nevada got here up with “A Bipartisan Blueprint for Bettering Our Nation’s Well being System Efficiency.” It brings collectively a high-level overview of what some modifications ought to happen. It doesn’t get particular sufficient to make a distinction. Perhaps it’s too quickly at this level. Nevertheless, policyholders want some solutions, and laborious proof one thing will change that may profit them.

Collective motion by 20 U.S. States not too long ago sued the federal authorities claiming the legislation was not constitutional after the repeal of particular person mandate beginning in 2019. People and households not having ACA compliant protection will not be fined a tax penalty in 2019. The Particular person Mandate was the very rule that was decided by the Supreme Courtroom in 2012 saying it was constitutional as a tax penalty.

The way forward for the legislation and well being plans are but to be decided. Since 2014, it appears that evidently most insurance policies are altering yearly. Yearly the premiums go up, and the insurance policies cowl much less. At what level is the breaking level? With this race in opposition to the clock, we must wait till the clock stops to know if we’ve actual change coming.

Overusing Your Health Insurance

When reviewing well being plans and evaluating price, consider medical insurance wasn’t designed to cowl each penny associated to well being care.

Every part underneath the solar on an open bank card is good, however not when you find yourself paying the invoice. However you might be.

The aim of insurance coverage is to cowl sudden very costly losses. It is about making you entire once more and never have the monetary duty of a ton of cash to do it. By some means all of us determined during the last 60 years that the standard plan ought to pay for every little thing.

Medical insurance is the one insurance coverage product, for essentially the most half, that pays for first greenback protection like physician visits and prescribed drugs. The healthcare system gamed the system on the larger checking account paying the invoice, not the small man. The tables have turned…

Staff are extra accountable for their healthcare in paying extra for premium out of their examine and better prices. Employers ought to interact their staff in being extra proactive of their healthcare. Listed here are just a few concepts:

  1. Do not run to the ER or the physician go to for each little factor. What occurred to house cures or ready to see the physician as an alternative of working to the ER? It will prevent 1000’s in a 12 months when you have youngsters.
  2. Attempt saving cash on remedy by discovering options. Typically skipping the drug might not have an effect in your well being, however retains you coming again to the physician. The opposite factor you are able to do is store round. Simply because they’re handy does not imply it’s the most cost-effective.
  3. Simply because your physician recommends a take a look at, it does not imply you must soar to it and have it accomplished. The physician went by way of a few years of faculty, however they’re additionally attempting to run checks to guard them and receives a commission. Ask extra inquiries to see should you really feel it is the suitable factor. Similar to you’d in case your mechanic urged objects. It is your cash.
  4. In case you are scheduling a process, have a look round. Many new amenities are popping as much as assist scale back price from outpatient testing to outpatient surgical amenities. The hospital is not the most cost effective. Removed from it. This finally ends up driving the value up for you and the insurance coverage firm.
  5. You don’t want to go to a state-of-the-art instructing hospital, for many factor. There are a time and place for the superior care that a few of the predominant instructing hospitals deliver to the desk. Nonetheless, for many issues folks undergo its overkill and overcharged.

Health Insurance: Why It Is Important

In case you do not know, medical insurance is a kind of assurance that’s given primarily based on agreed phrases in case the insured individual falls sick or wants medical therapy. The insured life could have a power situation requiring medical look after years to come back. Let’s know extra about it. Please visit for more information.

Who can pay for the medical bills?

This is among the most typical questions that individuals ask. You probably have a medical insurance, you’ll be able to have the peace of thoughts that your well being might be taken care of. Really, it’s a sort of settlement or contract between you (policyholder) and the corporate offering medical insurance. The aim of the settlement or contract is to supply safety towards prices. At instances, the prices are so excessive that the sick individual is unable to pay the payments. Consequently, the individual is unable to get the care he must get well.

Whereas you’ll pay a month-to-month or annual premium, you need to count on that the quantity of premium you’ll pay can be far lower than the quantity you’ll pay in case of sickness.

Understand that medical insurance is a kind of profit that a non-profit group, non-public enterprise or a authorities company offers. As a way to determine the associated fee, the corporate will get an estimate of the collective medical price of the entire individuals within the state. Then the danger is split among the many coverage subscribers.

So far as the idea goes, the insurer is aware of that one individual could endure from large surprising well being care bills whereas the opposite individual could incur no bills in any respect. So, the expense is unfold throughout a big group of individuals in an effort to make the medical insurance far more reasonably priced for all of the insured lives.

Apart from this, public plans are funded by the federal government. Due to this fact, they provide further medical insurance to the susceptible teams like individuals with disabilities and seniors.

Let’s take an instance to know the idea higher. An individual with Cerebral Palsy wants particular therapy by way of their lifespan. It is understood that a power sickness prices much more cash than a typical care. Cerebral Palsy could end in a bodily impairment which will final for the entire lifetime of the sufferer.

The therapy for this situation could require common physician visits, many therapies and lengthy hospital stays. Primarily based on the diploma of impairment, you could want particular medical insurance. Many well being care professionals will contain, equivalent to vocational therapists, occupational therapists, bodily therapists, orthopedic surgeons, radiologists, pediatrician, neurologists and so forth.

Some sufferers may have the providers of a couple of. Some could even want a speech pathologist, registered dietician, beauty dentists or urologist, to call a couple of.

So, the protection provided may help you get some reduction so far as the burden of the bills is worried. In case you do not enroll, you could endure from loads of monetary pressure and you could need assistance from different sources like charity organizations and group teams. Due to this fact, it is a good suggestion to profit from a medical insurance.

Are You Ready to Rethink Major Medical Insurance Costs?

For those who consider you might be paying an excessive amount of for medical insurance or in case you are presently uninsured, it could be time to buy round. Most main medical insurance plans value so much. Then, you find yourself paying for advantages you don’t use, and excessive deductibles and co-pays make it tough in your plan to pay you any advantages in any respect. One thing wants to alter. Possibly you need to attempt fastened indemnity hospital insurance coverage or minimal important protection. To get more information please visit

A set indemnity hospital insurance coverage plan pays pre-set greenback quantities for particular well being care providers. The advantages you obtain for well being care service is similar no matter the place you obtain your care or how a lot your supplier costs. This makes you a client as a result of you will have to buy round to search out suppliers that provide the most effective costs. Some plans are extra sturdy than others however they don’t seem to be meant for individuals who must see the physician repeatedly. The truth is, these plans usually don’t settle for pre-existing situations.

These plans will also be used to reinforce your main medical insurance. Each coverage could have gaps in protection, even when that hole is only a very excessive deductible. A hospital indemnity plan would possibly really fill that hole with extra protection at an inexpensive value. Additionally understand these advantages are sometimes paid on to the insured and wouldn’t have a coordination of advantages settlement. This implies you could be reimbursed for a service your main medical insurance plan already paid for.

The minimal important protection plan relies on the person mandate language within the inexpensive care act. The federal legislation made it necessary for everybody to have medical insurance however solely at a stage that coated what they referred to as minimal important protection. This protection is mainly annual checkups, particular screenings and counseling for sure people. Primarily you probably have certainly one of these plans the irs couldn’t penalize you for not having enough well being care. These plans are ridiculously low-cost however are actually just for people who find themselves match and wholesome. It is a complete new plan developed particularly due to the inexpensive care act and the belief that not everybody can afford a significant medical insurance coverage.

Wholesome individuals could be paying an excessive amount of for medical insurance. It’s because they’ve been fooled into pondering a significant medical insurance plan is their solely possibility. Fastened indemnity hospital insurance coverage and minimal important protection plans each provide an alternate answer at nice costs. It can’t be reemphasized sufficient that these plans will not be for individuals that aren’t match and wholesome. Any insurance coverage plan is an settlement to tackle a sure threat with an insurance coverage firm. Please discuss with knowledgeable earlier than deciding if both on of those plans is best for you.

3 Ways a Strong Personal Brand Propels Your Career Success

Today, I woke up to a news article about Suave – Unilver’s off the shelf shampoo brand. Unilever put Suave into new, premium-looking slick packaging, added a hefty price tag, called it “Evause” and sent it to out to beauty influencers (basically the folks who tell millions of consumers what is cool to buy) for their opinion/test. Most of the influencers gushed about the shampoo’s quality and rated it a luxury hair-care product or in other words, a premium brand.

Now, let’s not forget – “Evause” is a fake brand, and the shampoo that the influencers were gushing over is the same quality, no different from the cheaper looking, store bought variety. Then, what influenced the influencers into labeling it premium? In a single word, packaging.

Personal branding is the equivalent of packaging for people.

A personal brand helps you to show the best version of yourself to the world. It dresses you up, brings your strengths into sharp relief and influences people to give you a chance, which they may not have done otherwise. But it has to be done right. It has to be authentic version of you, grounded in your own actions and track record.

Let’s talk about a few situations where a genuine, strong personal brand can help you achieve your aims.

Scenario 1: Creating Credibility for a Start-up

You start a technology driven digital business, hoping to do business with total unknowns – over your own website, on an ecommerce platform, through smartphone apps – every way except face-to-face. Your business has no track record to lean on and no customer testimonials to flaunt. And, you are unlikely to get any customers until you first convince them to trust you.

Sure, you have clearly spelled-out privacy and shipping and refunds policies and you hope that tells folks, “Hey, I am honest.” But, people don’t simply want to take your word for it. They want to make up their own minds. So, how do you help them decide?

You borrow credibility. You create trust by leveraging your personal brand. People don’t buy from businesses. People buy from people. Connect with your visitors on a personal level.

Here is the bare minimum information you need to share:

  • Name, contact information, credentials (aka short resume)
  • Achievements and successes from your past roles and career
  • Glimpses of your personality and life experiences
  • The story of why you choose to do what you do.
  • Photographs of you and your team, so people can put a face to your business

Consider all of the above as your credibility baseline. Then, to really earn trust, build on that foundation:

  • Wear your values / convictions on your site
  • Care about a cause? Feature it on your site.
  • Give credit where it is due. Acknowledge your intellectual / emotional / inspirational debts.

Bottom line – You are much more than just an entrepreneur or business founder. Help people to see you as a person, as someone they would like to connect with. Use your personal brand to lend credibility to your new business.

Scenario 2: Accelerating a professional’s career advancement

Employers Google. It’s just as inevitable as death and taxes. Build social proof and make it easy for current and potential employers to see your value. Create focused content that showcases your expertise and positions you as a trusted adviser in your domain.

Here are some ways to build social proof:

  • Write articles / case studies / trends pieces for high-traffic and high-engagement sites that are respected in your industry and domain.
  • Offer to write a guest blog for reputed blogs/sites that your audience trusts.
  • Post on relevant topics in chat groups, and discussion boards
  • Write your own blog.

Bottom line – The more targeted content you create, and publish on high-traction sites, the more you are viewed as an expert advisor, and greater your value to employers. Keep your name constantly visible on respected sites and see your career advance rapidly. Read more about Sourajit Saha.

Scenario 3: Re-entering the workforce after a break

If you have taken a long break from work, and are looking to re-enter the work force, prospective employers are going to be concerned about how current your skills are and how rapidly you can become a contributing member of the team. In order to even score an interview, you need to allay these concerns up-front. This is where your personal brand – built on your domain knowledge and expertise – comes into play.

Some fairly easy ways to build a knowledge brand are:

  • Maintain a personal blog, where you collate current trends, news and insights about your industry.
  • Participate in contests, hackathons, gaming platforms etc that are relevant to your skillset
  • Host a podcast where you interview trendsetters and influencers in your domain
  • Utilize social platforms – LinkedIn, Twitter, Google+, Facebook etc – to connect with groups dedicated to your expertise, and participate actively in discussions

Bottom line – When you are returning into the workforce, you need to prove that your skills are current and valuable. This is the time to showcase a personal brand based on deep knowledge.