Thursday, January 10, 2013

Cheap Insulation for an Apartment wall that not too hard to put up or take down down besides draperies?

Q. I live an apartment and cannot put in permanent insulation. My bedroom is on the right on the side of the street and long driveway where many cars pass by. It's also where people front door is so I get lost of noise. Please help me.

A. Several ideas:
Cloth of any type will deaden sound; the fluffier the better. You could tack up some old comforters. You could use carpet padding. You could find a furniture store or warehouse that throws away styrofoam sheets and use that.

I would go with the carpet padding. If you hang it vertically you could staple it up with a minimum of holes, then cover it with cheap flat sheets for better aesthetic appeal. Walmart sells reasonably priced sheets individually packaged, and you can get the carpet padding from a discount carpet dealer.

I would also recommend getting a white noise machine. My husband used one for years when he worked midnight shift. It really helped deaden the neighborhood noises and allowed him to sleep through lawnmowers, kids , barking dogs, etc. He liked the ocean wave setting. Here's an example of a noise machine:

http://www.amazon.com/Conair-SU7-Sound-Therapy-Relaxation/dp/B000OCK9S2

Best wishes,
-Lady Di


What are real differences between Dwelling Insurance policy and Home Insurance policy?
Q. The situation most likely applies to your home that you either completely occupy, or you live in there and rent out one or two bedrooms that are extra that you do not use. If you have tenants in the home that you own and live in should require liability coverage for the tenant residents.

This is a very practical situation that many home owners have as they rent out extra bedroom to single student or professional.

A. OK, the situation you're describing, where you rent out bedrooms, isn't going to qualify for a dwelling fire policy, either.

But, here are some basic differences:

Homeowners - requires that the deeded property owner live in the house. Typically, there is NO business exposure on the premises (or limited business exposure - like your kid delivers papers). The standard policy has six built in coverages - it's a package.

Dwelling - property owner does NOT have to live there. Typically, you'd have one family unit renting per living unit. It's NOT a package deal, it only comes with "building" insurance, but you can add contents, loss of rents, liability, and maybe a few other coverages.

But BOTH applications have a vital question on it - are there any roomers or boarders.

If the homeowner is living there, and renting out two bedrooms to two different people, this is PROBABLY not going to qualify as a homeowners policy, because of the tenants. More than one tenant, is going to be a problem.

Same with dwelling fire, unless you're insuring a TWO FAMILY house - one tenant per unit.

If you have one tenant, your underwriter might agree to add the endorsement, to cover your liability as landlord, to one tenant. But if, for example, every bedroom has it's own lock on it (so the tenant can lock the bedroom when they leave against other tenants), and there's shared common area, this is not a homeowners or a dwelling - it's a rooming house. You'd need commercial property and general liability for that.


What are useful little item around the house?
Q. (Bedroom, Bathroom)
Examples: Alarm Clock, Power Strip, Shower Caddy
Please list one or a few.

A. Flashlights
Plenty of batteries for remotes, electronics, and the flashlights
Tools: Vise Grip pliers, Channel Lock pliers, regular pliers, hammer, phillips screwdriver, flat head screwdriver, a set of metric and standard Allen wrenches, a set of Torx (star) wrenches for electronics and many automotive uses, Crescent wrench, tape measure, and a utility knife.
Tape: Scotch, packing, and duct.
Extra power strip and a couple of extension cords because you never have enough of them.
A couple of more flashlights because your kids will lose the first two.
An ABC fire extinguisher for the kitchen and garage (one that will work on wood & paper, oil or grease, and electrical fires.
A carbon monoxide detector and a smoke alarm (check the batteries once in a while, too).
Soft Scrub with bleach because it cleans and disinfects any hard surface.
Zip It Bath and Sink Hair Snare - a flexible piece of plastic with little barbs cut into it that is indispensable for pulling hair out of sinks and bathtub drains. And they cost less than $3 at a home center.
Two plungers. One for sinks and tubs (don't forget to block the overflow or vent hole or you only move air between it and the drain without putting any pressure on the clog) and the other for more disgusting, but vital use.
A bulk pack of light bulbs because you can get them a lot cheaper that way.
A decent first aid kit or at least a few packages of Band-Aids in various sizes and anti bacterial cream because the Army did a study a few years ago and found that soldiers that used an ointment with bandages for common cuts and scratches healed about twice as fast as those who didn't. They also found that regular petroleum jelly was just as effective as the anti bacterial stuff, but those come in the little tubes.
About a dozen pairs of scissors because I can never find them when I need them.
Same with pens, I just bought a box of them and now I can't find one.

That's all I can come up with off the top of my head, but I'll probably think of a couple more later.


Which is the best Disney hotel for families?
Q. We are 2 families with 4 kids age 8 - 14 and want to spend 1 week in Disneyworld, Orlando. We definitely want to stay in one of the Disneyworld hotels. Can you tell me which one is the best for families - I have heard some are already really old and should not be used anymore?

A. It depends on what you want out of your resort. First of all you made a great decision to stay on property, there is not a resort or hotel anywhere around the Disney area that can hold a candle to what the Disney resorts themselves offer in terms of service and perks. Disney takes great care of their resort guests, whether you are in the value or the deluxe.

The decor of all of the resorts is outstanding, so it just depends on what you are looking for. Each of the families is going to need 2 rooms in most of the resorts, since they will only accomodate 4 people per room. The home away from home resorts/Disney Vacation Club resorts all have suites that accomodate from 4 to up to 12 people, so that could be an option. I also believe that the All-Star value resorts are adding family suites that can accomodate 6. Lets start with the values.

There are 4 different categories of Disney resort, value, moderate, deluxe, and Vacation Club. First, the value resorts are just that. They are expertly decorated, have huge pools, a good food court, but on the downside they are inexpensive so the rooms are on the smaller side and there is not a sit down table service restaurant. However, these are excellent choices for families. My favorite in this category is the All-Star Movies resort, with Pop Century a close second.

The moderates are a bit bigger than the values. The rooms are a little bigger, and they offer a sit down table service restaurant along with the food court. There is a large themed pool, but there is also smaller pools in each section as well. There are plenty of things to do in each of these resorts besides the Disney parks as well. Keep in mind that these resorts will probably only be able to accomodate 4 per room, so you will need 2. My favorite in this category is the Caribbean Beach resort. The resort itself is very large, but we loved our stay there.

The deluxe resort are the top of the resorts in price and amenities. These are the resorts that are located around the Seven Seas Lagoon in front of the Magic Kingdom, and are all connected by the monorail system (except for the Animal Kingdom Lodge, which is near the Animal Kingdom). These have so much to do, have multiple restaurants, and even have character meals (don't miss the character breakfast at Chef Mickey's in the Contemporary, regardless of where you stay! It is a favorite of ours.) My favorite in this category and my favorite overall is the Polynessian.

The Disney Vacation club resorts are the home away from home resorts. They have everything from a studio, one bedroom condo, two bedroom condo, to a grand villa (basically a townhouse that sleeps 12.) These come with a kitchenette (in the studio accomodations) or a full kitchen complete with utensils and everything you need to cook a meal. My favorite in this category is Saratoga Springs (and a close, close second to the Polynessian.)

There are a few websites you can go to and get tons more info. First, I would recommend going to the Disney website and using their resort comparison tool. You can compare the resorts in each category and decide what is going to work for you. You can even get a quote as to what your particular package will cost. Also, check out the disboards. The disboards is a message board website that is all about going to WDW. You can ask questions, get trip reports, itineraries from others guests, dining reviews, resort reviews, and tips from people who go to Disney often and know what they are talking about. Also, go to the bookstore and pick up the Birnbaum's guide to WDW. There are a ton of guide books out there, but that is the one that worked best for us.

I would also suggest that when you get your passes to the parks to at the very least add the Park Hopper option. It will add a small amount to the price of the passes, however it is worth the cost. The base ticket allows you to enter one park per day. With the park hopper you basically can come and go as you please. For example, if you were to go to the Animal Kingdom for the day, then decide you want to go back to MGM to ride Tower of Terror and catch the Fantasmic night time show (both must sees!) you would only be able to do that with the Park hopper option. It just gives you the ultimate in flexibility, which is what you want going to Disney.

Hope this helps, have a great trip!!





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Title Post: Cheap Insulation for an Apartment wall that not too hard to put up or take down down besides draperies?
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