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	<title>Home Practical Improvements &#187; Homes</title>
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		<title>Solar Power as a Practical Free Energy Source</title>
		<link>http://www.homepractical.com/solar-power-as-a-practical-free-energy-source.html</link>
		<comments>http://www.homepractical.com/solar-power-as-a-practical-free-energy-source.html#comments</comments>
		<pubDate>Mon, 21 Mar 2011 13:02:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Direct Posts]]></category>
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		<category><![CDATA[Australia solar power]]></category>
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		<guid isPermaLink="false">http://www.homepractical.com/?p=822</guid>
		<description><![CDATA[With growing concerns over energy sources and consumption these days, it is quite a relief for us to hear issues about the so – called “sources for free energy”. The utilization of solar power is no exception to this issue at all.Aside from those windmills that you see in several countries to generate electricity, those [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><img class="size-medium wp-image-824 alignleft" title="national solar power" src="http://www.homepractical.com/wp-content/uploads/2011/03/national-solar-power-300x143.png" alt="" width="300" height="143" /><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;">With growing concerns over energy sources and consumption these days, it is quite a relief for us to hear issues about the so – called “sources for free energy”. The utilization of solar power is no exception to this issue at all.Aside from those windmills that you see in several countries to generate electricity, those <a href="http://www.nationalsolarpower.com.au/solar-panels/" target="_blank"><strong>polycrystalline solar panels</strong></a> used in the <a href="http://www.nationalsolarpower.com.au/" target="_blank"><strong>solar power Australia</strong></a> homes and residencies to save operating cost in terms of electricity. Not to mention that you only source is the scorching heat from the rays of the sun.</span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;"><span id="more-822"></span>At first, you may think that getting your house installed with solar panels will be a “pain in your pocket”. But on second thought, maximizing the sun’s energy with these solar panels will not only save you money in the long run (as I’ve mentioned earlier), but you’ve also helped the environment by reducing coal generation which is needed<br />
for electricity production. And in some countries, <strong><a href="http://www.nationalsolarpower.com.au/solar-power/" target="_blank">government solar rebate</a> </strong>is considered to be great strategies to eventually encourage households to resort for “free energy” in their everyday living.</span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;">So, when it comes to home practicality, why not give this “free energy” concept a try and see for yourself the benefits in the long run.</span></p>
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		<title>“Superheroes inside our homes”</title>
		<link>http://www.homepractical.com/%e2%80%9csuperheroes-inside-our-homes%e2%80%9d.html</link>
		<comments>http://www.homepractical.com/%e2%80%9csuperheroes-inside-our-homes%e2%80%9d.html#comments</comments>
		<pubDate>Sat, 19 Feb 2011 05:08:58 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Direct Posts]]></category>
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		<category><![CDATA[Home Security]]></category>
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		<guid isPermaLink="false">http://www.homepractical.com/?p=809</guid>
		<description><![CDATA[Gotham City has Batman. For New York there is Spiderman. Iron Man protects America. How fantastic it is to watch this superheroes protect us citizens from the ever scheming villains. But the protection these Marvel Superheroes offer are only available at theatres. And, if there was ever a chance they’d exist besides the dimensions of [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;"><img class="size-full wp-image-1716 alignright" title="Honeywell Vista 20P Security" src="http://www.itsoftmedia.com/wp-content/uploads/2011/02/Honeywell-Vista-20P-Security.jpg" alt="" width="300" height="250" />Gotham City has Batman. For New York there is Spiderman. Iron Man protects America. How fantastic it is to watch this superheroes protect us citizens from the ever scheming villains. But the protection these Marvel Superheroes offer are only available at theatres. And, if there was ever a chance they’d exist besides the dimensions of our TV screens, they’d be in trouble for real. Why? Because, crimes don’t happen one-act-at-a-time. There are moments that these heroes also need to attend to their personal lives. They’d take a break and who knows what happens while they’re sipping their coffees at home or watching movies. We need something that can protect us 24/7. We need effective security systems! Unlike superheroes this high-end security devices don’t have time to take a break.</span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;">So let’s go and check these real-time superheroes in <strong><a href="http://www.homesecurityguys.org/home-security-system-reviews.html" target="_blank">Security System Reviews</a> </strong>.Imagine yourself being given the chance to choose which Marvel Superhero to guard your house the whole day through. Again, these effective security systems don’t have time to blink. Like superheroes their primary objective is to give you the protection you need.</span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;">There is also <strong><a href="http://www.homesecurityguys.org/home-security-system-reviews/HONEYWELL-VISTA-15P-20P-SECURITY-SYSTEM-REVIEW.html" target="_blank">Vista 20P Review</a> </strong>to give you a head start on these security devices. Here you’ll find the advantages and descriptions of the products you want right under your nose. You might want to have a vivid description of what you install at home before you go and purchase them. I bet those superheroes would have installed security systems while away from home too. Who’d keep watch over the watchers after all?</span></p>
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		<title>Modern Furniture for Your Modern Home</title>
		<link>http://www.homepractical.com/modern-furniture-for-your-modern-home.html</link>
		<comments>http://www.homepractical.com/modern-furniture-for-your-modern-home.html#comments</comments>
		<pubDate>Sat, 05 Feb 2011 10:51:12 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Direct Posts]]></category>
		<category><![CDATA[For Sale]]></category>
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		<category><![CDATA[modern bed]]></category>
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		<guid isPermaLink="false">http://www.homepractical.com/?p=799</guid>
		<description><![CDATA[We are now living in a modern world and we have modern homes now. It is then just right that we have modern furniture to fit the new face of our modern home. In your living room, you need to have a Modern sofa. That way, your visitors will feel great whenever they wait for [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="text-align: center; line-height: 150%;"><img class="size-full wp-image-800  aligncenter" title="farelli home furnitures" src="http://www.homepractical.com/wp-content/uploads/2011/02/farelli-home-furnitures.jpg" alt="" width="461" height="108" /></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;">We are now living in a modern world and we have modern homes now. It is then just right that we have modern furniture to fit the new face of our modern home. In your living room, you need to have a <a href="http://farrelli.com/" target="_blank"><strong>Modern sofa</strong></a>. That way, your visitors will feel great whenever they wait for you to come out or for other reasons that they need to wait for. In your room, you need to have a <a href="http://farrelli.com/" target="_blank"><strong>Modern bed</strong></a>, perfect for you and your wife and even for your kids. That way, your sleep will be really tight and sound. You must also have <a href="http://farrelli.com/" target="_blank"><strong>Modern coffee table</strong></a>. That way, you will enjoy drinking hot coffee with your guests or with your family. Everything should be modern in order to be in line with the age of modernity.</span></p>
<p class="MsoNormal" style="text-align: center; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;"><img class="size-full wp-image-801    aligncenter" title="modern bed" src="http://www.homepractical.com/wp-content/uploads/2011/02/modern-bed.jpg" alt="" width="484" height="261" /></span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;"><span id="more-799"></span>The problem now is where you can possibly get all these modern furniture sets at a very cheap price. I mean, since you are after modern stuffs, it is expected that you will spend much money for it. But this is actually a mistake. There is no need for you to spend much because there are websites over the internet such as farrelli.com that represents companies that sell modern furniture at very affordable prices. That way, you can get all of these modern furniture sets at a very affordable price, without compromising quality of course.</span></p>
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		<title>Having Your Bathroom Remodeled</title>
		<link>http://www.homepractical.com/having-your-bathroom-remodeled.html</link>
		<comments>http://www.homepractical.com/having-your-bathroom-remodeled.html#comments</comments>
		<pubDate>Wed, 20 Oct 2010 07:42:12 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Bathroom]]></category>
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		<guid isPermaLink="false">http://www.homepractical.com/?p=761</guid>
		<description><![CDATA[The time will practically come when the need to remodel some parts of our homes will arise. This might be caused by damages brought by calamities, such as typhoons, fires or even if you have just thought that the need for it is necessary. Whatever the reason is, the fact of the matter is that [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="line-height: 150%; text-align: justify;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;"><a href="http://www.homepractical.com/wp-content/uploads/2010/10/Bison-Bid.jpg"><img class="size-medium wp-image-765 alignright" title="Bison Bid" src="http://www.homepractical.com/wp-content/uploads/2010/10/Bison-Bid-300x149.jpg" alt="" width="300" height="149" /></a>The time will practically come when the need to remodel some parts of our homes will arise. This might be caused by damages brought by calamities, such as typhoons, fires or even if you have just thought that the need for it is necessary. Whatever the reason is, the fact of the matter is that when it comes to <strong>remodeling</strong> some parts of your home, you&#8217;ve got to have the best partners that you can have.</span></p>
<p class="MsoNormal" style="line-height: 150%; text-align: justify;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;">One of the areas in your home that you should take into consideration when you are thinking of remodeling process is your bathroom. It is considered to be the most important part of your home and <strong><a href="http://www.bisonbid.com/" target="_blank">bathroom remodeling</a></strong> is not a matter that you should just ignore or take for granted. There are lots of things that you need to consider when you want your bathroom to be remodeled such as the budget, what will it look like after the process and many more. The good news is that you don&#8217;t have to worry about this anymore because there are websites over the internet, such as the bisonbid.com that can take of these things for you. All you have to do is to tell them the model you want, and the budget allocated for it. After that, you can consider things already done and you don&#8217;t have to worry at all when it comes to remodeling of some parts of your home, particularly your bathroom.</span></p>
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		<title>Learning More about Security Products</title>
		<link>http://www.homepractical.com/learning-more-about-security-products.html</link>
		<comments>http://www.homepractical.com/learning-more-about-security-products.html#comments</comments>
		<pubDate>Thu, 03 Jun 2010 14:14:24 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<category><![CDATA[home security  system reviews]]></category>
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		<guid isPermaLink="false">http://www.homepractical.com/?p=688</guid>
		<description><![CDATA[Only few of us are really competent enough when it comes to comprehensive knowledge about security products. One of the reasons behind it is the belief that we do just fine not knowing about these things at all. This is a wrong belief for it will be our lost if we are not aware of [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="text-align: justify; line-height: 200%;"><span style="font-size: 10pt; line-height: 200%; font-family: Verdana;"><img class="alignleft" src="http://www.myce101.com/wp-content/uploads/2010/06/home-security-guys.jpg" alt="" width="290" height="196" />Only few of us are really competent enough when it comes to comprehensive knowledge about security products. One of the reasons behind it is the belief that we do just fine not knowing about these things at all. This is a wrong belief for it will be our lost if we are not aware of the things that we should know about something that is supposed to be very important in our lives. We need home security and therefore, there is also a need for us be knowledgeable about home security systems. That way, we can be sure of the things that we will do and we can also get rid of the concept of being ignorant. With that said, I think it will serve us best if we learn more about these things.</span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 200%;"><span style="font-size: 10pt; line-height: 200%; font-family: Verdana;"><span id="more-688"></span>One way to learn more about home security system is by reading <a href="http://www.homesecurityguys.org/" target="_blank"><strong>Home Security System Reviews</strong></a>. These reviews are made in such a way that it provides a lot of information for us. One good thing about reading these reviews is that it seems to provide us every little detail that we need to know about the product being reviewed or featured. It includes the functions, the uses, prices and many more. All of these things are essential and thus we should really know these things. It is a good thing that these reviews provide us with such information.</span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 200%;"><span style="font-size: 10pt; line-height: 200%; font-family: Verdana;"> </span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 200%;"><span style="font-size: 10pt; line-height: 200%; font-family: Verdana;">Learning more about security products give us a lot of benefits but of all of these benefits, the eradication of being ignorant is the greatest of all. We donâ€™t need to be ignorant on things because we can learn about them.</span></p>
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		<title>Perfect Pets for Perfect Homes</title>
		<link>http://www.homepractical.com/perfect-pets-for-perfect-homes.html</link>
		<comments>http://www.homepractical.com/perfect-pets-for-perfect-homes.html#comments</comments>
		<pubDate>Thu, 08 Apr 2010 08:13:44 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<category><![CDATA[best puppies for sale online]]></category>
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		<guid isPermaLink="false">http://www.homepractical.com/?p=678</guid>
		<description><![CDATA[When we talk about the beauty of our home, we should not only refer to decorations and designs. We should also focus on the things that might help in making it look more beautiful. For example, a perfect home will need a perfect pet and when it comes to pets, nothing beats the original favorite [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="text-align: center; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;"><img class="size-full wp-image-679  aligncenter" title="puppies-forsale" src="http://www.homepractical.com/wp-content/uploads/2010/04/puppies-forsale.jpg" alt="puppies-forsale" width="277" height="376" /></span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;">When we talk about the beauty of our home, we should not only refer to decorations and designs. We should also focus on the things that might help in making it look more beautiful. For example, a perfect home will need a perfect pet and when it comes to pets, nothing beats the original favorite of man-dogs. <span> </span>Cute puppies will surely be a great â€œdecorationâ€ for your homes and on top of that, you can treat them as your best friends. Having pets is equally enough to match the happiness of having your peers of your friends into your home and it is also a great way to make your home look livelier and colorful.</span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;"> </span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;">If you are looking for <a href="http://www.puppies-forsale.co.uk/puppies-for-sale/" target="_blank"><strong>puppies for sale</strong></a>, you donâ€™t have to go anymore to pet shops these days. With the power of the internet, you can shop your pets over it. You can visit websites like <strong><a href="http://www.puppies-forsale.co.uk/" target="_blank">www.puppies-forsale.com</a> </strong>and many more. Having <a href="http://www.puppies-forsale.co.uk/puppies/" target="_blank"><strong>puppies</strong></a> as pet has never been made easier than before but today, with the use of the internet, it will be easy for anyone to have a perfect pet that will make their homes perfect. Aside from this purpose alone, you can have best friends by having pets like puppies. They can even relieve you of your stress and that is the greatest benefit that you can get from taking care of pets like these.</span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;"> </span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;">With regards to your homes, do not just make it beautiful by simply adding decorations and designing materials. Make it more colorful by having things that will make it look lively. Try to have pets inside your home and see its beauty that is about to unfold. It is such a big achievement to have pets like puppies because at the end of the day, you will end up having a best friend that will just be there for you always.</span></p>
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		<title>Flower Arrangement as Part of Home Design</title>
		<link>http://www.homepractical.com/flower-arrangement-as-part-of-home-design.html</link>
		<comments>http://www.homepractical.com/flower-arrangement-as-part-of-home-design.html#comments</comments>
		<pubDate>Sat, 13 Mar 2010 07:16:27 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<guid isPermaLink="false">http://www.homepractical.com/?p=633</guid>
		<description><![CDATA[Home designing means that you are to make your home look like a great one. There are lots of things that you can do in order to make your home look a great one. One way is that you make flowers arrangements as part of your design. When we speak of this, it means that [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="text-align: center; line-height: 150%;"><img class="size-full wp-image-634  aligncenter" title="home-flower-arrangement" src="http://www.homepractical.com/wp-content/uploads/2010/03/home-flower-arrangement.jpg" alt="home-flower-arrangement" width="480" height="400" /></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;" lang="EN-US">Home designing means that you are to make your home look like a great one. There are lots of things that you can do in order to make your home look a great one. One way is that you make flowers arrangements as part of your design. When we speak of this, it means that <strong><a href="http://www.1800flowers.com/" target="_blank">flowers</a> </strong>are combined in such a way that they will have a beautiful outcome. If someone sees that this is present in your home, they will surely have a lot of good impressions and this is going to be good for you.</span></p>
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<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;" lang="EN-US">Home designing is not an easy thing to do. You need to make sure that every detail is taken care of with outmost attention and fashion sense. When you do decide to improve your home, you will have the need to have creative ideas. If you have this, home designing will be easy for you and you will have an easy time in carrying out the best design that you have thought for your home.</span></p>
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<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;" lang="EN-US">We should see to it that our home is great looking for it will reflect our own personalities also. We should then do our best in order to make our homes stand out from others. This is not done for competition. This is done for the purpose of competition. This is done in order to make homes look great and not just a plain one. It brings out the best among us and so if we can, we should do the designing ourselves.</span></p>
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		<title>Finding the Best Place for Our Homes</title>
		<link>http://www.homepractical.com/finding-the-best-place-for-our-homes.html</link>
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		<pubDate>Sat, 06 Feb 2010 12:31:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Direct Posts]]></category>
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		<guid isPermaLink="false">http://www.homepractical.com/?p=611</guid>
		<description><![CDATA[One of the most important things to consider when having a home is the place where it will be put up. You should pick the perfect location for our homes so that we will really enjoy staying on it. Choose that place that is easy to find; that place that will not need any guide [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="text-align: justify; line-height: 200%;"><span style="font-size: 10pt; line-height: 200%; font-family: Verdana;"><img class="alignleft" src="http://www.myce101.com/wp-content/uploads/2010/02/travel-destination-guides.jpg" alt="" width="340" height="100" />One of the most important things to consider when having a home is the place where it will be put up. You should pick the perfect location for our homes so that we will really enjoy staying on it. Choose that place that is easy to find; that place that will not need any guide for you to be able to go to. But if in case find that the place you want is that place that is way far and a bit confusing in terms of the way that will be take to go there, you can make use of <strong>travel destination guides</strong>.</span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 200%;"><span style="font-size: 10pt; line-height: 200%; font-family: Verdana;"><span id="more-611"></span>The best place for our homes is that place that will best suit our interest and for that, we should really give our full attention in finding the best place for our homes. It is because we will be the ones that will be benefited if we find that perfect place and we will also be the ones to be disappointed if we are not satisfied with the location of our home.</span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 200%;"><span style="font-size: 10pt; line-height: 200%; font-family: Verdana;"> </span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 200%;"><span style="font-size: 10pt; line-height: 200%; font-family: Verdana;">Let us not forget the value of finding the best location for our homes because it will also determine the level of comfort that we will be getting from staying in that place.</span></p>
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		<title>Managing Your Home for Rental Services</title>
		<link>http://www.homepractical.com/managing-your-home-for-rental-services.html</link>
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		<pubDate>Sat, 06 Feb 2010 10:10:30 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<guid isPermaLink="false">http://www.homepractical.com/?p=600</guid>
		<description><![CDATA[One of the basic needs of humans is a home to stay in. It is one of the priorities of every human being. Having a home is an assurance that you have some place to stay in at times of great troubles and great happiness. With this, when you have finally built your own home, [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="text-align: center; line-height: 200%;"><img class="size-full wp-image-601  aligncenter" title="homes-for-rent" src="http://www.homepractical.com/wp-content/uploads/2010/02/homes-for-rent.gif" alt="homes-for-rent" width="450" height="110" /></p>
<p class="MsoNormal" style="text-align: justify; line-height: 200%;"><span style="font-size: 10pt; line-height: 200%; font-family: Verdana;">One of the basic needs of humans is a home to stay in. It is one of the priorities of every human being. Having a home is an assurance that you have some place to stay in at times of great troubles and great happiness. With this, when you have finally built your own home, you need to manage it properly because if not, it may have damages that are hard to repair. What if you have plans of having your homes be rented? Do you think this will be good for it? Of course this will not be good for you and your home. Therefore, we really need to have <strong>proper home management</strong>. If you think you canâ€™t do this, you donâ€™t have to worry because services of this kind are available and up for grab for you.</span></p>
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<p class="MsoNormal" style="text-align: justify; line-height: 200%;"><span id="more-600"></span><span style="font-size: 10pt; line-height: 200%; font-family: Verdana;"><img class="size-full wp-image-602  aligncenter" title="arizona_property_management" src="http://www.homepractical.com/wp-content/uploads/2010/02/arizona_property_management.gif" alt="arizona_property_management" width="466" height="124" /></span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 200%;"><span style="font-size: 10pt; line-height: 200%; font-family: Verdana;">Did you know that <strong>Property Management Companies In Arizona</strong> helps those individual homeowners that want to <strong>Rental Homes</strong>? They see to it that your homes are being taken care of because they want to make your <strong>Homes For Rent</strong> have a beautiful recall to the clients that have rented it. That way, good flow of income and good impression about you and your home will be given to you. Let us make sure that our <strong>dream homes</strong> are being taken care of because it will determine the personality of the owner also.</span></p>
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<p class="MsoNormal" style="text-align: justify; line-height: 200%;"><span style="font-size: 10pt; line-height: 200%; font-family: Verdana;"><strong>Homes for rents</strong> are indeed good and practical today and indeed, there are lots of people that avail of this kind of service. We should not however engage in this kind of business if you think that your home is not being taken care of because it may just cause disappointment ob the part of the one renting it. Always see to it that your homes are properly managed either by you or some companies.</span></p>
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		<title>What can you do with a mortgaged house damaged by the floods?</title>
		<link>http://www.homepractical.com/what-can-you-do-with-a-mortgaged-house-damaged-by-the-floods.html</link>
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		<pubDate>Fri, 05 Feb 2010 10:02:53 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home Improvement Loan]]></category>
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		<category><![CDATA[what to do do with a mortgaged house damaged by the floods]]></category>

		<guid isPermaLink="false">http://www.homepractical.com/?p=597</guid>
		<description><![CDATA[HOME 911:Â  By Tanya T. Lara Dear home 911, My family bought a modest house two years ago in Marikina on a 10-year bank loan. During typhoon Ondoy, floodwaters reached up to the second floor of the house, damaging everything inside. The wooden floors and walls have warped and all appliances and furniture have been [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="text-align: center; line-height: 150%;"><strong><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;">HOME 911</span></strong><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;">:Â  By Tanya T. Lara</span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><strong><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;">Dear home 911,</span></strong></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;"> </span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;"><img class="size-medium wp-image-598  alignright" title="house-damaged-by-the-floods" src="http://www.homepractical.com/wp-content/uploads/2010/02/house-damaged-by-the-floods-300x225.jpg" alt="house-damaged-by-the-floods" width="300" height="225" />My family bought a modest house two years ago in Marikina on a 10-year bank loan. During typhoon Ondoy, floodwaters reached up to the second floor of the house, damaging everything inside. The wooden floors and walls have warped and all appliances and furniture have been destroyed. Luckily, we all survived without physical harm. The problem is that with the extent of repairs to be done to make the house livable again, we just canâ€™t afford to pay the <strong>mortgage.</strong> And nobody wants to <strong>buy a house</strong> that was damaged by Ondoy, even if you sell it way below the market value â€” and what value is the house and lot now anyway? It is more practical for us to rent an apartment. While we can still meet the basic necessities, we feel desperate about the mounting bills. Itâ€™s easier for us to just let the bank repossess the property. Can we just stop paying and abandon the house? What are the consequences?</span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;"> </span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><strong><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;">Maya</span></strong></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><strong><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;"><span id="more-597"></span></span><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;">Dear maya,</span></strong></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;"> </span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;">When I was watching and reading about the aftermath of Ondoy, my heart broke for the loss of lives and for all the hardworking families whose homes were destroyed. There havenâ€™t been many reports about the middle class whose <strong>homes were destroyed</strong> and I can only imagine the hardship they are going through at seeing all those years of hard work literally being swept away by the floodwaters. Where do they go now? These families will not line up at the relief centers because they still have jobs to go back to, but how do they deal with the loss of decades of hard work, saving a little money here and there, denying themselves vacations or purchases â€” to eventually buy their own home? And then Ondoy happened. Now they have to face the realities: mortgage payments on a house that is now worth a fraction of what they are paying for. It sounds like a nightmare.</span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;"> </span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;">The first thing you have to do, if you havenâ€™t done so, is to meet with your bank manager. Ask <strong>about a moratorium</strong>. Banks are in the business of making money, but what happened to the country in these past three weeks has so shaken everybody that perhaps they might have payment schemes for Ondoy victims.</span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;"> </span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;">I asked my banker friend who works in the loans department of a top bank in the country and this is her answer: </span></p>
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<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;">â€œIf the house was damaged by Ondoy, the mortgage with the bank remains and the obligation of the borrower remains just the same. If the borrower opts not to settle, interest, penalties and charges will accrue, lalaki pa lalo ang utang. The bank will exert its effort to collect and if it is futile it will exercise foreclosure procedures. Once the bank has repossessed the property, the former owner will have a default credit record, the loan will still remain outstanding as far as the borrower is concerned but in the books of the bank it will be considered a bad debt. It may be best to sell the property and use the proceeds to pay off the loan.â€</span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;"> </span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;">Obviously, with a bad credit record, you will not be able to take out a loan from a bank again. While this may seem like a small thing now, think of the future, when you might need to take out a loan for whatever reason and you canâ€™t because of your record.</span></p>
<p class="MsoNormal" style="text-align: justify; line-height: 150%;"><span style="font-size: 10pt; line-height: 150%; font-family: Verdana;">Source:<span style="text-decoration: underline;"><span style="color: #0000ff;">www.philstar.com</span></span></span>- <strong>Modern Living</strong></p>
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