Are Blinds The 2015 Answer To Double Glazing?

by Mrs Money

Cast your mind back a couple of decades ago and two words were running off the tongue of most governmental authorities and home improvement experts; double glazing. This was the big concept back then and while it had been around a number of years, it’s only fairly recently that there was a big push to get it installed in most homes around the country.

The reasons are simple; double glazing shreds your energy bills. It offers significant thermal savings and in an age where our energy charges are always on the rise, this is of upmost importance. The science was fairly straightforward to follow as well which obviously helped its caused, with the extra layer unsurprisingly providing a further barrier against the elements.

However, we’re now reaching an era where further improvements are being suggested. As you may have gathered from the title, window blinds fall into this category and are arguably the 2015 equivalent to what double glazing was “back in the day”. More and more people are suggesting them and if we start to scrutinize the energy savings, it’s no surprise why.

A lot of the fuss relates to products that have specifically been released to target those homes that are looking to shave their bills. Forget roller and roman blinds, we’re now talking about insulated shades. They have a honeycomb-like design, meaning that heat can be trapped and be ultimately prevented from escaping a room. Additionally, any cold air can stop entering the property, which just multiplies the benefits.

While a piece of material (or several, depending on just how thick you want to buy your insulated shades in) might not seem like a big barrier to the cold, statistics suggest that it most certainly is. In fact, one study showed that some houses will save $500 a year after installing these products, so the savings can be marvelous.

Funnily enough, they can also work in very hot climates. They just function in the reverse way that we’ve been talking about; they stop the warm air from penetrating the glass and prevent your room from turning into a greenhouse.

However, if you do happen to reside in a warm environment, it will be the thermal shade that probably benefits you more. This has been designed to stop UV rays flooding into your home, whilst still allowing natural light into the property. In other words, you won’t look like a recluse with your window blinds shut all day, while your home won’t reach boiling point due to the heat filtering in.

Of course, we don’t seriously believe that window blinds are going to gather the euphoria that double glazing had several years ago. The point we are trying to make is that the savings from these window treatments can be significant and in some ways, these can be likened to the double glazing benefits.

Therefore, if you are on a crusade to lower your energy spend, your windows could again be somewhere that reaps the best rewards from this form of investment.

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The Priorities within a Mechanics Lien

by Kaylie Phelps

When a judge has to enforce a ruling and the debtor in the case owns real estate property, then recording liens and ensuring the priority of the lien is clear is of tremendous importance. In theory, when a debtor has sufficient equity in their property, the property should be refinanced in order to pay the money that is owed. Alternatively, the creditor may agree to have the money paid to them once the property is sold. In most cases, the first person to have recorded a lien will be the winners.  However, it is very important to seek legal advice about this if you do have any concerns about a mechanics lien.

First to Record

The idea of the first to record a lien being the winner is because liens are recorded in chronological order. Hence, the first lien is ranked superior to any others. Some legal professionals will refer to these as the “senior liens”. So long as the senior lien is also valid, then all the other liens will have to wait their turn. So, for instance, if the property is sold for less money than the value of all the liens put together, the liens that were filed last are unlikely to be paid.

This is a strong possibility when properties are sold in Sheriff’s auctions or foreclosure. The money that is raised here will be used to pay the most superior lien, working its way downwards from there.  Indeed, any future lien, known as a junior lien, can be wiped out if no money is available for them.  Only if there is any leftover equity will these liens be paid, and they will be paid in chronological order.

If you have placed a mechanic’s lien on a property, you should contact the county recorder to see if any other liens are on the property, so that you know whether your lien is a superior or junior one. This can be very important, particularly if you were intending to ask a judge to foreclose on the property that you have placed the lien on. Additionally, you also have to consider the possibility that the debtor will die, in which case last illness and funeral expenses will have to be covered first as well.

First Recorder Is not Always the Winner

They say that the exception proves the rule. This is because different states have different laws surrounding their property laws. For instance, in Florida, liens placed by banks will always be classed as superior, regardless of when they have recorded it. Florida also has what is known as an unlimited homestead exemption, this means that if someone lives in the property against which you have placed a lien, you may still not be able to force payment until the property owner decides to sell, or dies. The exception to the homestead exemption, however, is a federal tax lien.

As you can see, there are many complicated rules and regulations to think about when it comes to liens. Make sure you seek proper legal advice.

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