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	<title>Panoramic Home Info &#187; Building</title>
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	<description>PANORAMIC HOME IMPROVEMENT Guide!</description>
	<lastBuildDate>Mon, 06 Feb 2012 01:37:06 +0000</lastBuildDate>
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		<title>The bridge was built byAtlanta deck building calculator of bridges</title>
		<link>http://www.panoramicassociation.com/the-bridge-was-built-byatlanta-deck-building-calculator-of-bridges.html</link>
		<comments>http://www.panoramicassociation.com/the-bridge-was-built-byatlanta-deck-building-calculator-of-bridges.html#comments</comments>
		<pubDate>Thu, 12 May 2011 17:37:28 +0000</pubDate>
		<dc:creator>mbotee</dc:creator>
				<category><![CDATA[Deck]]></category>
		<category><![CDATA[Building]]></category>
		<category><![CDATA[Calculator]]></category>

		<guid isPermaLink="false">http://www.panoramicassociation.com/?p=1243</guid>
		<description><![CDATA[Simulator bridge beams will help you when you plan how to build a bridge. This tells you are how the beam at some distance from each other by length of the span between support beams. Select the type of wood, size and spacing of the joists and know what works best for your plan, then &#8230; </p><p><a class="more-link block-button" href="http://www.panoramicassociation.com/the-bridge-was-built-byatlanta-deck-building-calculator-of-bridges.html">Continue reading &#187;</a>]]></description>
			<content:encoded><![CDATA[<div>
<p style="text-align: justify;">
<div id="attachment_1245" class="wp-caption aligncenter" style="width: 310px"><a href="http://www.panoramicassociation.com/wp-content/uploads/2011/05/deck-building-calculator.jpg"><img class="size-medium wp-image-1245" title="deck building calculator" src="http://www.panoramicassociation.com/wp-content/uploads/2011/05/deck-building-calculator-300x178.jpg" alt="deck building calculator" width="300" height="178" /></a><p class="wp-caption-text">deck building calculator</p></div>
<p style="text-align: justify;">Simulator bridge beams will help you when you plan how to build a bridge.</p>
<p style="text-align: justify;">This tells you are how the beam at some distance from each other by length of the span between support beams.</p>
<p style="text-align: justify;">Select the type of wood, size and spacing of the joists and know what works best for your plan, then transfer all the results in our <strong>deck building calculator</strong> to solve the planning of the beam.</p>
<p style="text-align: justify;">Platform Builders in Atlanta, which represents the best suppliers of services to facilitate the actual experience of life and improve their customers. The bridge was built byAtlanta <em>deck building calculator</em> of bridges to improve the home, giving owners the opportunity to enjoy a quiet, touch and quality time with loved ones.</p>
<p style="text-align: justify;">Platform Builders in Atlanta, qualified, experienced and experts in their work. They provide the best service in the construction of bridges and have experiences of building any kind of platform and includes the ability to enter the porch, sun rooms, patio enclosures, porch, pergola and gazebo. <span id="more-1243"></span></p>
<p style="text-align: justify;">A game well-behaved built by the company in Atlanta <span style="text-decoration: underline;"><a href="http://www.panoramicassociation.com/the-bridge-was-built-byatlanta-deck-building-calculator-of-bridges.html" target="_blank">deck building calculator</a></span> can be great art equipment and expertise to help improve the aesthetics of your home. Get amazing construction of your home as a bridge company in Atlanta and have a great experience!</p>
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<h4>Incoming search terms:</h4><ul><li><a href="http://www.panoramicassociation.com/the-bridge-was-built-byatlanta-deck-building-calculator-of-bridges.html" title="deck building calculator">deck building calculator</a></li></ul>]]></content:encoded>
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		<title>Thompsons Building Materials &#8211; Create A Tiki Bar In Your Backyard Tonight</title>
		<link>http://www.panoramicassociation.com/thompsons-building-materials-create-a-tiki-bar-in-your-backyard-tonight.html</link>
		<comments>http://www.panoramicassociation.com/thompsons-building-materials-create-a-tiki-bar-in-your-backyard-tonight.html#comments</comments>
		<pubDate>Mon, 09 May 2011 22:42:42 +0000</pubDate>
		<dc:creator>mbotee</dc:creator>
				<category><![CDATA[Building Material]]></category>
		<category><![CDATA[Building]]></category>
		<category><![CDATA[Materials]]></category>
		<category><![CDATA[Thompsons]]></category>

		<guid isPermaLink="false">http://www.panoramicassociation.com/?p=1166</guid>
		<description><![CDATA[Thompsons Building Materials - So you want to develop a tiki bar in your yard? That&#8217;s good, but you ought to know theres a top secret to constructing a tiki bar rapidly that I will display you later. You need to have to understand initially what it is that you need to develop a excellent bar. &#8230; </p><p><a class="more-link block-button" href="http://www.panoramicassociation.com/thompsons-building-materials-create-a-tiki-bar-in-your-backyard-tonight.html">Continue reading &#187;</a>]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;">
<div id="attachment_1167" class="wp-caption aligncenter" style="width: 310px"><a href="http://www.panoramicassociation.com/wp-content/uploads/2011/05/Thompsons-Building-Materials.jpg"><img class="size-medium wp-image-1167" title="Thompsons Building Materials" src="http://www.panoramicassociation.com/wp-content/uploads/2011/05/Thompsons-Building-Materials-300x200.jpg" alt="Thompsons Building Materials" width="300" height="200" /></a><p class="wp-caption-text">Thompsons Building Materials</p></div>
<p style="text-align: justify;"><strong>Thompsons Building Materials</strong> - So you want to develop a tiki bar in your yard? That&#8217;s good, but you ought to know theres a top secret to constructing a tiki bar rapidly that I will display you later. You need to have to understand initially what it is that you need to develop a excellent bar.</p>
<p style="text-align: justify;">Initial you will need these supplies:</p>
<p style="text-align: justify;">-You will need to look for out a roof kind material, the finest issue to use is straw mainly because its simple to come across and just as resilient.</p>
<p style="text-align: justify;">-Upcoming you need to find an aged table that you do not need to have any more. Yes just any aged table will do, it can even be dirty as long as it&#8217;s durable. Many individuals rush out to acquire the most expensive items nonetheless only a aged table is essential for a reliable basis. You will need to bear in mind that the tables surface will not be showing so it will not make any difference what coloration it is, <em>Thompsons Building Materials</em>.</p>
<p style="text-align: justify;">-Go to your nearby party town and seem for low cost table cloth content, you can very easily discover this at even places like Wal-Mart. You need to have to recognize that tiki bars are mostly meant for get together atmospheres, and no one cares how pricey your table cloth is. That&#8217;s the terrific thing you can locate a great deal of celebration decorations at many merchants.</p>
<p style="text-align: justify;">-Go to a local plant nursery and look for bamboo stalks, these are wonderful for giving the tike bar a tropical sense to it. You ca generally locate these are a quite low-cost price tag, and some areas in the United States even mature the plants effortlessly.</p>
<p style="text-align: justify;">-You also require the standard supplies such as nails, hammer and a glue gun.<span id="more-1166"></span></p>
<p style="text-align: justify;">Immediately after you have these supplies prepared you can now start off planning how to correctly tart building your bar. <span style="text-decoration: underline;"><a href="http://www.panoramicassociation.com/thompsons-building-materials-create-a-tiki-bar-in-your-backyard-tonight.html" target="_blank">Thompsons Building Materials</a></span>, with that in brain you want to know there is a secret to fast development for tiki bars. You can actually verify that out on my website at the link under in my bio box to master additional. I wish this guide has aided you and I want you god luck with constructing!</p>
<h4>Incoming search terms:</h4><ul><li><a href="http://www.panoramicassociation.com/thompsons-building-materials-create-a-tiki-bar-in-your-backyard-tonight.html" title="building a tiki bar">building a tiki bar</a></li><li><a href="http://www.panoramicassociation.com/thompsons-building-materials-create-a-tiki-bar-in-your-backyard-tonight.html" title="building material">building material</a></li><li><a href="http://www.panoramicassociation.com/thompsons-building-materials-create-a-tiki-bar-in-your-backyard-tonight.html" title="building Materials">building Materials</a></li><li><a href="http://www.panoramicassociation.com/thompsons-building-materials-create-a-tiki-bar-in-your-backyard-tonight.html" title="tiki bar roof plans">tiki bar roof plans</a></li></ul>]]></content:encoded>
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		<title>Constructing A Greener Building To Green Environment</title>
		<link>http://www.panoramicassociation.com/constructing-a-greener-building-to-green-environment.html</link>
		<comments>http://www.panoramicassociation.com/constructing-a-greener-building-to-green-environment.html#comments</comments>
		<pubDate>Sat, 09 Apr 2011 21:28:15 +0000</pubDate>
		<dc:creator>mbotee</dc:creator>
				<category><![CDATA[Home Building]]></category>
		<category><![CDATA[Building]]></category>
		<category><![CDATA[Constructing]]></category>
		<category><![CDATA[Environment]]></category>
		<category><![CDATA[Greener]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Sustainable]]></category>

		<guid isPermaLink="false">http://www.panoramicassociation.com/?p=360</guid>
		<description><![CDATA[Sustainability has become a key consideration of manufacturing in recent times &#8211; with the intended effect being that anything we make or build, not have a deleterious effect on the health of the planet. Indeed, sustainability is about using resources our in a healthy and environmentally friendly manner and in such a way that provide &#8230; </p><p><a class="more-link block-button" href="http://www.panoramicassociation.com/constructing-a-greener-building-to-green-environment.html">Continue reading &#187;</a>]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;"><img class="aligncenter" src="http://blogs.reuters.com/environment//files/2010/11/cr_mega_927_virgin-terminal.png" alt="" width="324" height="243" /></p>
<p style="text-align: justify;">
<p style="text-align: justify;">Sustainability has become a key consideration of manufacturing in recent times &#8211; with the intended effect being that anything we make or build, not have a deleterious effect on the health of the planet. Indeed, sustainability is about using resources our in a healthy and environmentally friendly manner and in such a way that provide for the long term needs of our community. Sustainable home building pursues two broad themes: construction using environmentally friendly materials and the most efficient use of energy that is possible.</p>
<p style="text-align: justify;">
It should first be pointed out that there is much greater scope for sustainability when building new houses than there is when simply doing a green remodel of an existing dwelling &#8211; but that is not to say that there aren&#8217;t things that any of us can do, irrespective of where we live. Buying more energy efficient appliances, using water conserving showerheads, using aerators in sink faucets and revamping insulation are all within the reach of any home owner. All of these measures save money in the long run by cutting down on our energy and water bills, and because they&#8217;re utilizing less energy, they&#8217;re also measures that will see that we&#8217;re not unduly adding to the planet&#8217;s stock of greenhouse gases.</p>
<p style="text-align: justify;">
<p style="text-align: justify;"><span id="more-360"></span></p>
<p style="text-align: justify;">
Of course, if we&#8217;re building a house from scratch then we have much greater scope to ensure its sustainability. The two areas that a prospective builder needs to concentrate on when building a sustainable home is energy efficiency and using sustainable harvested eco-friendly materials.</p>
<p style="text-align: justify;">
There are a few key areas that we can focus on when building an energy efficient house. The most abundant and cost free energy source we have is sunlight and a good passive solar design will ensure that our house is capturing enough sunlight to be absorbed by the surrounding thermal mass, which will then release heat back into the room when the sun goes down. The utility of this design is dependent on also having good insulation. The sun can also be used to generate a large portion (if not all) of our heating and electricity needs. By placing solar panels on the roof we can convert sunlight into electricity to heat water and power domestic appliances. Advances in solar technology are rapidly seeing solar power become a more cost effective way of generating power. These measures will all be complemented by making sure that all your electrical appliances are energy efficient.</p>
<p style="text-align: justify;">
Consideration should also be given to how water will be used in your home. Using low water capacity toilets and flow restricted shower heads are practices that are now actually quite common. This theme can be extended by diverting gray water from clothes washing and bathing facilities to watering plants, and by catching rain water from roofs for use inside the house. Concentrating your landscaping on indigenous drought tolerant plants can also save you an enormous amount of water.</p>
<p style="text-align: justify;">A green builder will also ensure that he is only building with sustainable materials &#8211; ideally ones that have been certified as sustainable by the Forest Stewardship Council (FSC)- an independent 3rd party non-biased ratings agency that certifies materials as being sustainable or not; as well using non-toxic paint and finishing products.</p>
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		<title>Contract With The Insurer</title>
		<link>http://www.panoramicassociation.com/contract-with-the-insurer.html</link>
		<comments>http://www.panoramicassociation.com/contract-with-the-insurer.html#comments</comments>
		<pubDate>Thu, 17 Mar 2011 03:52:28 +0000</pubDate>
		<dc:creator>mbotee</dc:creator>
				<category><![CDATA[Home Building]]></category>
		<category><![CDATA[Building]]></category>
		<category><![CDATA[Contents]]></category>
		<category><![CDATA[Cost]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[True]]></category>
		<category><![CDATA[Underinsuring]]></category>

		<guid isPermaLink="false">http://www.panoramicassociation.com/?p=383</guid>
		<description><![CDATA[If you&#8217;ve ever been tempted to decrease the sum insured for your home and contents in order to obtain a lower premium, think again. You may end up paying a far higher price than you imagined. Whenever we take out an insurance policy, we are entering into a contract with the insurer. Whether household, motor &#8230; </p><p><a class="more-link block-button" href="http://www.panoramicassociation.com/contract-with-the-insurer.html">Continue reading &#187;</a>]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;"><img src="http://t3.gstatic.com/images?q=tbn:ANd9GcRyPxQNW2cG-jDDPnEvByMnAGFgS5HOdxLNCHtKqvwCGijVUf-m" alt="" /></p>
<p style="text-align: justify;">
<p style="text-align: justify;">If you&#8217;ve ever been tempted to decrease the sum insured for your home and contents in order to obtain a lower premium, think again. You may end up paying a far higher price than you imagined.</p>
<p style="text-align: justify;">Whenever we take out an insurance policy, we are entering into a contract with the insurer. Whether household, motor vehicle, personal accident or any other type of policy, it is a legally binding contract between the insurer and the insured.</p>
<p style="text-align: justify;">For householders, insurance of home building and contents is vital, not merely for peace of mind but to maintain the lifestyle they are accustomed to if the unthinkable should happen.</p>
<p style="text-align: justify;">There are several aspects to consider when purchasing household insurance.</p>
<p style="text-align: justify;">
<p style="text-align: justify;"><span id="more-383"></span></p>
<p style="text-align: justify;">• The insured has a duty to disclose to the insurer anything that they know or could reasonably be expected to know is relevant to the insurer&#8217;s decision to accept the risk and, if so, on what terms. For obvious reasons, this is called the Duty of Disclosure.</p>
<p style="text-align: justify;">• Each party to the contract (i.e.: insured and insurer) has an obligation to each other in accordance with the clause of Utmost Good Faith.</p>
<p style="text-align: justify;">Utmost good faith means that in every dealing between insured and insurer, all parties are obliged to act in a totally scrupulous manner &#8211; that is: in a spirit of Utmost Good Faith. This clause overrides all other clauses in the policy and is the measure by which the majority of insurance disputes are settled.</p>
<p style="text-align: justify;">• The sum insured is a major consideration when taking out an insurance policy. It not only affects the cost of the premium but the insurer&#8217;s liability if a claim is made. For home building and contents insurance, the sum insured is, arguably, the most crucial aspect and the importance of &#8220;getting it right&#8221; cannot be overstated.</p>
<p style="text-align: justify;">According to The Insurance Council of Australia, approximately 43 per cent of home building and/or contents policyholders are significantly underinsured.</p>
<p style="text-align: justify;">Determining the Sum Insured</p>
<p style="text-align: justify;">For many people, determining exactly how much to insure their home building and contents for is a daunting task. It needn&#8217;t be, however, with a few guidelines to follow.</p>
<p style="text-align: justify;">Most insurance companies offer replacement cover for household policies &#8211; or &#8220;new for old&#8221; so it is important to insure the building and contents for their full replacement value, not their value after depreciation.</p>
<p style="text-align: justify;">• Home building insurance: The sum insured is based on the total cost involved in rebuilding the property to its original or a comparative state. In addition to the actual building expenses, this includes the costs of demolition and removal of debris as well as any associated engineering, architectural and council requirements. Consultation with a professional builder or property valuer is recommended.</p>
<p style="text-align: justify;">• Home Contents Insurance: The most effective way of determining the sum insured for contents insurance is to conduct a room-by-room inventory. Simply go into every room, listing the individual items in each. Next to each item, write down how much it would cost to buy that item brand new.</p>
<p style="text-align: justify;">Most insurers provide literature, online information and calculators to assist with determining sums insured.</p>
<p style="text-align: justify;">As previously stated, the sum insured determines the insurer&#8217;s level of liability in the event of a claim. If the property is underinsured, the result can turn an already traumatic event into something more devastating.</p>
<p style="text-align: justify;">Some insurance policies contain an &#8220;average clause&#8221; or &#8220;co-insurance clause.&#8221; What this means is that in the event of a claim, if a property is found to be significantly underinsured, the liability of the insurer will decrease commensurate with the level of underinsurance.</p>
<p style="text-align: justify;">Let&#8217;s look at a hypothetical example without the average clause:</p>
<p style="text-align: justify;">A home is gutted as a result of bushfire. There is nothing retrievable. The homeowner had insured the building for $200,000.00 and the contents for $10,000.00. When assessors inspected the ruins and collected all the information about what was lost, it was determined that the actual replacement value of the building was $400,000.00 and for the contents, $20,000.00.</p>
<p style="text-align: justify;">The insurer, however, was only obliged to pay a total amount of $210,000.00, less any excess, and did this. The insured could not rebuild for the amount of the claim payment and had to settle for a much more modest home, fewer household contents and a significantly reduced standard of living.</p>
<p style="text-align: justify;">Let&#8217;s look at another scenario with the average clause:</p>
<p style="text-align: justify;">During a wild storm a tree falls onto a house, damaging the roof and part of the living room. Again, the building was insured for $200,000.00 and the contents for $10,000.00.</p>
<p style="text-align: justify;">As in the previous example, loss assessors deemed the building&#8217;s actual value to be $400,000.00 and that of the contents, $20,000.00. The cost to repair the living room and roof is $30,000.00 and is well within the sum insured. However, the insurer was only obliged to pay an amount commensurate with the level of underinsurance.</p>
<p style="text-align: justify;">The underinsurance level of the building was 50 per cent and so the insurer paid 50 per cent of the repair cost &#8211; i.e.: $15,000.00. Contents to the value of $8000.00 were also destroyed during the incident, however, the insurance payment, under the average clause, will be just $4000.00.</p>
<p style="text-align: justify;">In total, the insurer paid $19,000.00, less any excess, when repairs to the building and replacement of contents actually cost $38,000.00.</p>
<p style="text-align: justify;">These two examples highlight the importance of placing the correct value on home building and contents insurance policies and how decreasing sums insured to save a few dollars in premium costs is really quite a gamble that could have disastrous effects.</p>
<p style="text-align: justify;">It far better to know that should an unfortunate incident occur, we can recover what is lost.</p>
<p style="text-align: justify;">After all, isn&#8217;t that what insurance is all about?</p>
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		<title>New Home Building vs Remodeling</title>
		<link>http://www.panoramicassociation.com/new-home-building-vs-remodeling.html</link>
		<comments>http://www.panoramicassociation.com/new-home-building-vs-remodeling.html#comments</comments>
		<pubDate>Mon, 14 Feb 2011 15:32:32 +0000</pubDate>
		<dc:creator>mbotee</dc:creator>
				<category><![CDATA[Home Building]]></category>
		<category><![CDATA[Building]]></category>
		<category><![CDATA[EXISTING]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Remodeling]]></category>
		<category><![CDATA[VERSUS]]></category>

		<guid isPermaLink="false">http://www.panoramicassociation.com/?p=428</guid>
		<description><![CDATA[With material and labor costs skyrocketing, people restrain themselves from realizing their dream of building new homes. Instead, they prefer renovating and remodeling the existing structures to their predilection. The remodeling option is advantageous in many ways. These days we often hear our parents say, “They don&#8217;t really build things like they used to”. To &#8230; </p><p><a class="more-link block-button" href="http://www.panoramicassociation.com/new-home-building-vs-remodeling.html">Continue reading &#187;</a>]]></description>
			<content:encoded><![CDATA[<p style="text-align: center;"><img class="aligncenter" src="http://image.shutterstock.com/display_pic_with_logo/4999/4999,1223925303,2/stock-photo-concept-for-planned-home-building-18839776.jpg" alt="" width="315" height="225" /></p>
<p style="text-align: justify;">
<p style="text-align: justify;">With material and labor costs skyrocketing, people restrain themselves from realizing their dream of building new homes. Instead, they prefer renovating and remodeling the existing structures to their predilection. The remodeling option is advantageous in many ways. These days we often hear our parents say, “They don&#8217;t really build things like they used to”. To a large extent, this statement is true and very apt considering the fact that most old buildings have stood the test of times and are still in good shape. Thus, sustainability is the principal priority.</p>
<p style="text-align: justify;"><strong> </strong></p>
<p style="text-align: justify;">Building a new home or renovating your existing house, both have some factors in favor and some against the move. Some of the factors that need to be considered before opting either of the aforementioned options are:</p>
<p style="text-align: justify;">
<p style="text-align: justify;"><span id="more-428"></span></p>
<p style="text-align: justify;">The first and the foremost factor that should largely reflect your decision is your budget. Cost is usually the determining factor along with the extent of renovation that needs to be implemented. Depending upon the condition of the house, building codes, materials and other factors, sometimes remodeling might be costlier than constructing a new home. If you limit the renovation to restricted section of your house, then building a new home is out of question.</p>
<p style="text-align: justify;">Location is another factor that one must not overlook while taking this important decision. If you like the area and its surroundings, renovation and remodeling is a better option than moving out and building new house.</p>
<p style="text-align: justify;">One more factor that plays a crucial role is the time spent in your old house and the emotional attachment. Some people have sentimental values attached with their home and thus remodeling their existent home is the only option for them.</p>
<p style="text-align: justify;">An additional factor that can have a say in your decision is if you are tired of surroundings and your floor plan. This is a major step and building a new home is more suitable than ripping off all walls and remodeling the structure.</p>
<p style="text-align: justify;">A thorough research is indispensible in case of building a new home or remodeling your old house. Research for the best professionals in home improvement and remodeling, a good way of getting hold of the best contractor is internet.</p>
<p style="text-align: justify;"><strong>Advantages of remodeling an existing home</strong></p>
<p style="text-align: justify;">Less hidden costs than new homes, as new homes come with impact fees, permit fees and numerous such hidden expenses. Remodeling does not involve such fees levied on new house. Remodeling is usually a low cost affair than building an entire new house. Wait period for renovation and remodeling is considerably lower.</p>
<p style="text-align: justify;"><strong>Advantages of new home building</strong></p>
<p style="text-align: justify;">No limit for designing and construction potential, new homes can be built keeping in mind the modern style, a much better airflow and larger storage space. In short, extensive planning is possible in new home building. More efficient homes and new technology can be put into practice saving the energy and overall cost.</p>
<p style="text-align: justify;">The new home building and remodeling an existing home have their own pros and cons. Therefore, it is essential to research well before considering any of the options. Also, take into account all the different facets and decide only after extensively exploring all possibilities.</p>
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		</item>
	</channel>
</rss>

