Handcrafted Gifts – Make a Special Gift For Someone You Know

Custom handcrafted gifts are gifts that mean something to the recipient. Receiving a handcrafted gift lets you know that the giver has taken time to make a special item for you. Some handmade gifts take many hours to complete while others take only a short time. No matter how long you spend on an item, the gift will surely be appreciated by the one that is on the receiving end.QuiltsReceiving a quilt from someone is a very special gift. You know that if you have gotten a quilt as a gift the person that has given this to you has spent many hours sewing. A quilt is a wonderful gift for anyone, from the new baby down the street to the next door neighbor. Quilts always send a message of love and caring.EmbroideryDepending on the detail that is in a pattern you may spend hours on an embroidery project. These gifts are custom handcrafted gifts that last a lifetime. You can easily find patterns for any holiday or special occasion. These are fun and inventive gifts that are a breeze to craft.JewelryThere are many things that you can make for a jewelry gift. Necklaces, bracelets, and earrings are all wonderful gifts and if they are handcrafted by the giver they mean that much more. You can make any style that you like and these items are easy to make. You can buy the kits with everything that you need. These make fun and stylish custom handcrafted gifts.CrochetAny gift that you receive that has been crocheted you know that the person has spent ample time on this precious gift. Crocheting is a learned art that is beautiful, from hot pads to blankets these are all wonderful gifts to receive.Wall DecorWith all the new equipment that has become available to the consumer there are many handmade items that can be given as beautiful gifts. These can include wall decorations for the home or office and can be personalized for the recipient. These items are fun to create with a touch of your own personality, and that of the person that is receiving the gift.Any custom handcrafted gift that you receive is a gift that can last for generations to come, being passed down to those who are younger. These are presents that have taken the giver time and thought to create that special gift made only for you, a gift from the heart. From quilts to jewelry and all that lies between, handcrafted gifts are memories that will not be forgotton. Spend a little extra time on those who are precious to you and make them something for that special occasion, these gifts will be cherished for years to come, and in the future when all those store bought gifts are gone, the ones that are handcrafted will still be there.

Beginners Golf – Learn Golf Etiquette That Every Golf Player Must Know

Golf Etiquette is Very Important!Experienced golf players follow a set of unwritten rules while on the course. These rules are typically referred to as golf etiquette. When beginners golf it is important for them to learn proper golf etiquette from the more seasoned its players in their group. As a beginners golf game improves they must begin to incorporate these rules into their usual routine on the golf course. Most country clubs don’t demand that player’s golf with courtesy, but it is expected. Following the commonly accepted rules of golf etiquette will create a congenial atmosphere in which the game of golf can be fully enjoyed by all.Beginners Golf – Maintain a Good Pace in Your Golf GameIf you have ever been stuck behind a slow moving group ahead of you on the golf course then you know how frustrating it can be. Not only does a slow group eat up a lot of time, but they can also cost other golfers strokes by throwing off the natural rhythm of their game. When beginners golf they need to keep in mind the fact that it will take them a longer time to reach the green than it will a more experienced player.If you find that your group is holding up another it is a common its courtesy to allow the other group to play through. You can also speed up your golf game by not spending an excessive amount of time looking for a lost golf ball. Another great time saver is simple preparation. Instead of admiring the clouds while your companions are taking their shots, spend that time planning your own upcoming shot.Beginners Golf – Golf Etiquette Also Involves SafetySafety is an important consideration in any sport and golf is no different. The use of golf carts is an area of safety where many golfers would receive a failing grade. Make sure to read all of the rules posted in the clubhouse, cart, and on the course. Keep golf carts in designated areas only!Beginner golfers must also be on alert when preparing to make a swing. Always look around before taking a swing; this will go a long way in promoting the safety of the other golf players in your group. You should keep your eye on the ball after making a shot and call out a warning if others are in danger of being struck.Beginners Golf – Good Golf Etiquette Requires the Consideration of Other Golfers Your actions toward other golfers are perhaps the most important part of golf etiquette. Golfers must focus when making a shot and that requires quiet. When beginners golf they must remember not to speak or make unexpected noises while others prepare to take their shots. There are a few specific rules for conduct on the green as well. When beginners golf if is very important that they are conscious of where their shadow falls on the green. All shadows must be kept well away from the putting line.

So You Want to Find a Vacation Home in Orlando Florida?

So you are thinking about buying a vacation home in Orlando Florida? You will not find a more perfect great destination. There is just so much to see and do, and climate wise it is comfortable all year round. The most popular attractions include:Walt Disney World: Who hasn’t heard of Disneyworld? Well it is only the most popular vacation destination in the universe! It is made up of four gigantic theme parks that are almost the size of Boston. People mistake Disneyworld as a “kiddie” park but it really does offer something for all ages.Season passes are surprisingly affordable if you consider all that you get with it. Disneyworld is so huge that it would take a very, very, long time to see everything. Disney is even more enjoyable during the off-season. You can’t beat the short lines and cooler climate! The best part is the attractions run year round.You could also consider owning a home that you travel to during the off-season, and then rent it out during the summer. The money you would make on this would pay for your home!Universal Studios: Universal consists of two big themeparks. One of the parks is your basic “thrill park, featuring huge rollercoasters and spectacular special effects. The other park is based on the many movies that Universal has put out, some of which are incorporated into rides while others offer behind the scenes looks. There is also an adult nightlife section that even features dance clubs.Endless Supply of Beaches: Orlando is just a skip away from Florida’s many beautiful beaches. Even Tampa is a car ride away. The best part is that the climate allows you to enjoy the beaches almost year round.Orlando Florida Nightlife: There are tons of adult themed places and activities in the Orlando area. Planet Hollywood and the Hard Rock Cafe, in addition to Universal and Orlando’s offerings are just some of the many available places.Orlando Florida has a bit of something for everyone, year round. I hope you will consider it!

Property Insurance Explained for Property Investors

As an investor, your primary concern is maximizing cash flow on each owned and/or managed property. Investors typically view insurance as the necessary evil required by the mortgage company and which premiums are collected year after year and rarely, if ever, file claims. However, investors who feel the lowest premium is the best insurance find that come claim time, they are not getting what they feel they paid for. That feeling comes from a false sense of insurance security. The lowest premium is not always the best policy.Property insurance for investment property is written on Dwelling Property (DP) insurance forms. They are standardized across the country and insurance carriers to make selling, knowing and purchasing easier for all involved. DP policy forms for residential SFR are quoted and issued under two types, DP-1 and DP-3. The following is a brief explanation of the differences between the two policy forms.DP-1 is a Basic Form named peril policy. Named peril means the insurance company will list in the insuring agreement what specific losses are covered. If a loss is not listed then it is NOT covered, hence the term Basic Form. The typical named perils are: fire and lighting; sudden and accidental smoke damage; windstorm, hurricane and hail; explosion; aircraft and vehicles; Riot and civil commotion; and vandalism and malicious mischief. That’s it. If the property experiences any other type of loss then the insurance company is not required to pay a claim.DP-1 policy forms do not include liability. This is the protection against slip and falls and bodily injury to someone NOT related the insured or living in the property. This is the portion of insurance that protects your assets from claims against you personally for acts of wrong doing. For usage with rental properties, the coverage is typically thought of as protection when the tenant or someone invited by the tenant is hurt due to poor maintenance of the property. Liability can either be added by endorsement for a premium (usually higher than liability within a DP-3) or, if your homeowners’ insurer offers, liability can be extended from your primary residence to cover a rental property. Most carriers have strict limitations on how many properties liability can be extended to. Personal umbrellas do not cover claims on investment property if underlying liability does not exist on the property at the time of loss.DP-3 policy forms are Broad Form named peril policies. The named peril definition expands to include the following perils, in addition to the perils listed under DP-1: theft; sudden and accidental discharge of hot water or steam; falling objects; collapse; freezing; and loss of use. The most concerning to investors is Loss of Use coverage. This affords the insured/property owner actual sustained loss of rents for a maximum of one year. Example, a property earns $1,000 month in rent and sustains a covered named peril loss forcing the tenant to move away from the property, the property owner/insured is entitled to $1,000 for every month the property is undergoing renovation until rented. The coverage is actual sustained up to policy limits for no more that 12 months. If this example takes 8 moths before the property is rented, the property owner is entitled to $8,000 loss of rent reimbursement. This is not offered in DP-1 policy forms.DP-3 policy forms DO include liability. Typically, insurers will include $100,000 for no additional premium with maximum liability limits of $500,000 for nominal premium increases. Liability plus loss of use/rents are the two biggest protections for an investor for the following reasons. Liability is the least expensive coverage in relation to dollar limits. Typical limit increase to $500,000 creates less than $70 per year increased premium. Loss of Use/Rents is actual money-out-of-pocket the property owner loses while the property is being reconstructed.Best options to save money, insurance premiums using the above information: raise deductibles to the investors maximum out-of-pocket amount without causing hardship; do not increase liability beyond the standard amount included in the base policy (DP-3) and list the property insurance on an umbrella policy; make sure the agent inputs property characteristics correctly (builder’s grade, economy grade, standard grade) to keep the replacement cost at lowest acceptable value; keep the property in good working condition/maintenance.As a real estate investor, the primary concern is cash flow of each property owned and managed. Consider saving $85 per year per each 10 owned properties: Annual Increased Cash Flow $850! All without sacrificing coverage and protection.