My Personal Finance Blog

If you want to be taken seriously as an online presence, domain name registration is a necessity. You can choose a domain name and register it through many different domain name registrars, but from there it can get tricky. The original registrar will create a record on its domain name servers to tell other computers where to find your website address. Once you choose a web hosting company, you’ll have to get the DNS record switched over to your new host, which can be confusing if you’ve never done it before.

The easier way is to choose a web hosting company and register for a web hosting account that includes a free domain name registration as part of the account package. Registering a new domain name – especially registering your first domain name – that way streamlines the process so that you don’t have to worry about switching name servers and adjusting the records – the web hosting company does it all for you. You just tell them your desired domain name and the tech folks at the company will do the rest.

Before you take the plunge, though, be sure to ask the web host whether they register a domain name under your name or theirs. Some companies register all domains under their own name, which can become a problem if you’re dissatisfied with your hosting experience and decide to move your website to another host. When the domain name is registered in your name, you control where the site is hosted. If the web hosting company registers it under their own name, they hold the control. If you want to move your site to another host, you may have to pay for them to release it. If you’ve spent time building up your web site visibility, or have invested in advertising materials that feature your website address, it can feel like your domain name is being held hostage. Avoid the issue altogether by asking up front what their policy is when a customer wants to move a domain registered through them to another hosting company.

In addition to control of your own domain name, you should look for a number of other features in a web hosting company. Find a host that offers a full package, including storage, email servers, databases and easy installation of blogs, photo albums, content management systems and other popular website features – all for one low, monthly price. Avoid a la carte packages, which may seem lower at first glance but charge you extra for basics like email servers, blog setup, databases and access to applications like blogs, content management systems, photo albums and email forwarders.

While you’re at it, choose a web hosting company that allows you to host multiple domains under one hosting account. Once you understand how easy it is to set up your own website, you may decide that you need more than one. While most hosts only include one free domain name with a web hosting account, many will allow you to add additional domain and host other websites on your account. In most cases, you can register a domain name through any registrar and host it on your current account at no additional cost.

Garden bird baths and garden bird feeders are excellent ways to attract wild birds to your garden. Place a bird bath in a quiet part of the garden well away from any bird feeders as birds like a quiet place to bathe and drink.

To keep your birdbath at the correct temperature for your bird visitors to drink or bathe the whole year round you could either buy a bird bath with a heater installed or attach a heater to an unheated birdbath. Birdbaths equipped with heaters either use a cord plugged into an electric outlet or have solar panels to collect the sun’s energy to power the heater. Solar power bird baths are easier to install, are cost free and need very little maintenance. They can collect enough of the sun’s energy to keep your bird bath ice free even on very cold days. In addition to heaters you can also purchase de-icers to keep the water accessible to the birds.

A heated bird bath will usually be longer lasting than an unheated one as constant freezing and melting of the water results in cracks and damage to the concrete, stone or marble materials unless you keep the bird bath empty throughout the colder weather. maintaining the water at a constant temperature will ensure that the bird bath is undamaged and will give your bird visitors warm water to bathe in and to drink all the year round.

To attract the birds and also to agitate the water to prevent mosquitoes laying their eggs you could consider adding a bird bath dripper. This can be as simple as a pipe that drips water into the bowl, making the pleasant sound of running water which will attract the birds. More elaborate drippers can be purchased that are shaped like dragonflies, climbing ivy, butterflies and more, usually made from copper to look more attractive. Birds will love to bathe in the dripper as it simulates the feeling of raindrops on their feathers. For smaller birds such as hummingbirds or warblers you could use a mister in your garden or on your bird bath. Misters do use up more water than drippers however.

In addition to attracting the birds a dripper will keep the water agitated and prevent mosquitoes from settling on the water surface to lay their eggs. There are also other ways to prevent mosquitoes from breeding including using a water wiggler or mosquito dunks. Water wigglers run on batteries and produce vibrations which cause ripples on the water surface. They are easy to use and, being battery operated do not need any elaborate installation. Just add the batteries and attach to the bird bath. They are quiet so they do not disturb the peace in the garden or frighten away the birds.

Mosquito dunks are a natural method to stop the mosquitoes breeding. They can be placed in bird baths and also ponds, barrels, gutters etc, in fact anywhere were standing water accumulates. Place one dunk for one hundred square feet of water surface once a month. As you only need a small amount for a bird bath break off a piece and save the unused pieces for later. Dunks are environmentally friendly and are a good alternative to chemical treatments. They work differently to the drippers and water wigglers as they do not prevent eggs being laid but kill the larva before they can mature.

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When a person decides to get insurance for his or her house, they are certainly looking for a cheap policy. And by cheap we mean having a low price for the largest bundle and amount of coverage possible. And to much surprise, it is really possible if you know the rules of the game.

But what are the rules, you might ask? While there are many hidden stones in such a complex industry as insurance, there are certain guidelines that you will find very useful and effective when choosing a new policy or looking to switch you current home insurance provider. So here are the essential Dos and DON’Ts of home insurance that would be very wise to follow:

DO: Find an online service that will allow you to get quotes from multiple home insurance providers, necessarily licensed in your area of residence.

DON’T: Buy the first policy you are offered with when shopping.

DO: Contact an insurance agent in person to tailor your policy and make sure you’re getting the best and most adequate coverage for the money you pay.

DON’T: Drop home insurance or necessary types of coverage altogether just to lower the costs.

DO: Review your deductibles and adjust them if needed to relate adequately to your financial abilities if an insurance situation takes place. Remember that higher deductibles will eventually lower you rates.

DON’T: Raise your deductibles to the amount you will find hard to pay in case it comes to filing a claim.

DO: Speak to your insurance agent to learn if there are any homeowners insurance discounts provided by your insurer you are eligible for.

DON’T: Forget about updating your insurance coverage after adding square footage to your house, performing important modifications (installing ventilation or security systems), or buying expensive things that are to be kept on your property.

DO: Find a provider that will carry more types of insurance rather than only homeowners insurance, for you can receive substantial discounts if having your auto, life, health and home insurance policies with the same carrier.

DON’T: Drop substantial amounts of liability coverage in order to save money because some day it can be really helpful and your savings can lead to serious losses if you do not have enough liability coverage.

DO: Renew your policy and avoid cancellations because it will get more expensive to renew it or get a new one if your policy was simply void without any reason.

DON’T: Drop your homeowners insurance policy in case your mortgage lender doesn’t require it anymore or you have paid off your loan.

Try to employ as many of these tips as possible and you will see that having good cheap homeowners insurance with low rates and adequate coverage is really possible. Keep in mind that having cheap coverage can turn around to be very costly when facing an insurance situation. So try to get adequate coverage while still having your family budget in mind. Shop around and find the best policy out there to keep your house protected no matter what.