Archive for September, 2009
Tuesday, September 29th, 2009
by Robert M. Doscher
When you are attempting to time the best time to borrow for your home, picking a time when interest rates are lower will save you a lot of money. Will interest rates increase, in which case you should lock in a fixed rate home loan for as long as you can, or are they headed down, which means you want to either wait to buy or refinance, or choose a rate that adjusts frequently?
What determines interest rates depends on a lot of factors, so knowing what they are and how they behave can help you make your decision. The first thing to realize is that interest rates are just the price of money and like all prices, they are influenced by supply and demand.
The first factor to examine in terms of interest rates is the inflation rate. There are two major culprits when it comes to inflation. They are the PPI and the CPI, the producer price index and the consumer price index.
PPI is the change in prices at the level where goods are produced. Consistently rising PPI, which raises prices of finished goods, will render all goods more expensive and contribute to inflation.
CPI is the difference in prices at the consumer level and is calculated by the overall costs in a basket of items defined by the government statisticians. Most people are more familiar with CPI because it more directly affects what they pay for goods. Frequently, to remove some of the volatility of the CPI, analysts examine core inflation, which eliminates energy and food prices from the formula. This permits them to look at the core inflation rate to better analyse where overall prices, and therefore inflation, are going.
Gross Domestic Product is an additional inflation, and therefore interest rate, indicator. The Fed (Federal Reserve Bank-the Central Bank of the United States) is responsible for maintaining the economy on an even keel-not too much growth, which will cause inflation and not too little, which will cause a recession. The Fed has certain tools to control interest rates and will use them to increase rates when it wants to slow the economy down and decrease them when it needs to help the economy to pick up.
The unemployment level also has an influence on interest rates. Low unemployment tends to lead to inflation, since it will lead to higher wages which will lead to higher prices. If unemployment is high, the resulting decreased wages will mean lower inflation. Higher wages lead to price spirals while lower wages lead to prices falling.
Keeping track of these interest rate indicators will help you to decide when it is a good time to enter the mortgage market. The rule of thumb is that a slow economy with high unemployment will mean that rates will be falling. On the other hand, higher GDP and decreasing unemployment will mean an increase in interest rates.
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Monday, September 28th, 2009
by Dominic K. Kimbell
Most mortgage payments are split into two when they get to the bank; a small portion reduces the equity, and the balance pays the interest. That?s the way a typical home loan should work. But there exist now new types of mortgages that only pay the interest.
This means that if you pick an interest only option, every month you pay your loan, the loan balance stays exactly the same; it never gets lower. Even with more conventional mortgages, you could pay extra on your mortgage to reduce the principal balance more quickly, but the idea of this loan is to keep the monthly payment low.
Interest only loans were predicated on the theory that it doesn?t matter that the loan was never reduced, because when the home was sold, the additional value would allow the borrower to pay off the loan. It used to be that homeowners accrued equity by paying down part of the loan, and by the added value of the house.
Today?s falling home prices means that homeowners can no longer depend on an automatic increase in their home value. There are situations where interest only loans are a good solution. But it should definitely only be used as a temporary solution.
A good example would be if one partner to the home loan was attending school and the other was employed. The assumption is that he will be able to contribute to the mortgage once school is finished and therefore they will be able to make larger payments.
Another valid situation might be if the primary income owner had an erratic earning pattern, in which he had little to no earnings for a period and then a windfall income. Maybe a project consultant is only paid at the end of the project. When income is low, the lower payment (interest only) option could be used and then when the windfall amount was in, higher payments could be made to pay down more of the principal.
In the current real estate environment, not building equity by paying down the loan is a dangerous solution. You want to make sure that you pay down some of the principle so that you will have some equity built in the home, since you can no longer count on real estate market increases to do so. If no equity has been paid down, the owner will have to find additional money to pay off the mortgage when home values have not sufficiently increased.
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Monday, September 28th, 2009
by Madelaine Weskoff
Finding the most comprehensive homeowners insurance policy for the lowest price will reduce your cash outlay on a monthly basis. Those savings will just keep growing larger over the time you have the policy. Take the time to compare some of the homeowners policies and the time spent will be money saved in the end. Check out the suggestions below and pay less for your insurance.
Most people don’t want to take the time to find out what factors make up an insurance premium price. People who do spend some time looking get a cheaper price than people who just buy the first one they see. Additionally they learn what coverage their policy actually includes.
1.Coverage - If you compare policies you may find that in addition to the basic coverage for harm to your residence and what is inside your residence, there are other kinds of benefits included. One of these may be personal legal responsibility. If a person is injured at your home, they are covered by personal legal responsibility.
Some policies will contain extra benefits such as theft coverage. I was able to use the theft benefit attached to a policy owned by my parents when my dorm room was robbed. Read through the policy details and find out what is really in there. A higher premium for a particular policy may mean more benefits or it may not. Do you require all the options offered or are there some you could do without.
2. Choosing the Deductible - What is your insurance deductible? The payment you, the insured must make in the event you make a claim. In other words your portion of the expense. The greater you can make your deductible the lower your monthly premium. You can lower the premium by almost 50% by increasing your deductible. Take your deductible and divide by 12 or 24 months. Set aside that amount of money each for one year or two depending on your choice and keep that money somewhere. That way if you do make a claim you will have the money to cover it and you still get low monthly payments.
3. Loyalty - Insurance companies offers savings to customers who keep all their policies with them. In addition the insurer may reward you for being a loyal customer. If you have been with the company for five years expect a five percent discount. Stay six years or more and you will get a 10 percent discount.
4. Are you a Retiree - You may be able to save more money if you are retired and over the age of 55. The reason being that you are at home more frequently and can pay more attention to your residence. For instance. If there was a fire there is a greater chance you would be around to spot it. The usual discount given in this case is ten percent.
5. Group Insurance Price Reductions - It is always cheaper to buy as a group rather than as an individual. If you purchase your homeowners plan from your employer, you may be able to save some money. Think about all the groups you are a member of starting with your place of employment. You can consult your human resource department and the administration office for your other affiliations regarding company residence insurance.
Tags: cheap homeowners insurance, choosing homeowners insurance, family finance, free homeowners insurance quotes, home budget, home insurance, homeowners insurance, homeowners insurance dwelling, homeownership, insurance, online homeowners insurance quote, personal insurance Posted in home insurance | No Comments »
Sunday, September 27th, 2009
by Madelaine Weskoff
Getting the best price for your homeowners insurance can save you money over and over considering how many years you will paying those premiums. If you just do a little bit of research upfront i.e. read the following tips, you really will be able to reduce your cost.
Most people don’t want to take the time to find out what factors make up an insurance premium price. People who do spend some time looking get a cheaper price than people who just buy the first one they see. Additionally they learn what coverage their policy actually includes.
1.Coverage - In general online home insurance covers damage or loss to your home and its contents, but some policies may offer additional insurance benefits like personal legal responsibility insurance coverage and theft coverage. Personal legal responsibility covers if someone is hurt on your property.
Theft benefits can also be included in a homeowners policy. My parent’s policy paid out when I was burglarized while attending college in another state. Check out your policy to see what else is included besides the basic coverage. Rates vary significantly among companies. What are your true needs?
2. Choosing the Deductible - What is your insurance deductible? The payment you, the insured must make in the event you make a claim. In other words your portion of the expense. The greater you can make your deductible the lower your monthly premium. You can lower the premium by almost 50% by increasing your deductible. Take your deductible and divide by 12 or 24 months. Set aside that amount of money each for one year or two depending on your choice and keep that money somewhere. That way if you do make a claim you will have the money to cover it and you still get low monthly payments.
3. Loyalty - If you keep your homeowners, auto and other insurances with the same company, the insurance company may offer you a discount. Also if you stay with the same company a certain number of years, you may get a discount. Five percent for three to five years and by at least 10 percent for 6 years or longer.
4. Are you a Retiree - Being retired and being over 55 years old may entitle you to more cost reductions. Retirees typically spend more time in their place of residence than working people. Being at home more increases the probability they will discover problems before they get to bad. The most obvious case being a fire in your home. Retirees are more likely to be home therefore more likely to find the fire before the entire home burns down. Expect a cost decrease of ten percent.
5. Group Insurance Price Reductions - Consider your employer as a possible source of homeowners insurance. It is possible that you could get a group rate if your company offers a plan. If your company does not have this option consider some of your other organizations. Check and see if they offer any kind of group plan for homeowners insurance.
Tags: cheap homeowners insurance, choosing homeowners insurance, family finance, free homeowners insurance quotes, home budget, home insurance, homeowners insurance, homeowners insurance dwelling, homeownership, insurance, online homeowners insurance quote, personal insurance Posted in home insurance | No Comments »
Sunday, September 27th, 2009
by Matti Badshaw
Do you think your home insurance premiums are too high? Or are you a new homeowners, maybe under the stimulus package, and you need to find a policy to satisfy your lender? Since your home is probably your biggest asset, and since policies will represent part of the cost of that asset, it is essential to educate yourself about homeowner’s insurance.
Consider what you need to protect. Of course, you want to protect your actual house in case of damage. But you are probably also going to cover your outside structures and belongings. Some liability insurance is also included, and you may need relocation assistance in case you cannot live in your house for a while.
We are concerned with finding the best homeowners insurance rate deals, but also with finding the best coverage. Please be patient so you can understand your policy when you do buy it. I would hate for anybody to save twenty dollars on premiums, only to find they did not buy good coverage.
The Actual House - Your actual building must be covered, and it will probably be protected for the actual cost of rebuilding, and not just the home’s stated value. Your older home may have only cost a hundred thousand dollars, but may cost twice that to rebuild with new materials.
Other Structures - Many homes are fenced. Sheds are popular, and they can be expensive. Some homes have swimming pools, gazebos, or even expensive landscaping.
Consider how much liability the policy contains. You will want to have a top insurance company fight for you if a visitor claims damages.
Relocation Housing Help - If you cannot live in your home because of damage, even for a few weeks, those hotel bills can add up. A good policy should be able to cover this.
Contents Insurance - You also need to have protection for the things inside your home. They could be stolen or damaged. I would advise you to consider covering them at their replacement value, and not the value they are right now. Your washing machine may only cost one fifty at a used appliance store, but four times that if you bought it new.
I hope you understand the basics of normal home owners insurance policies. Now it is time to look for a good rate on that policy.
Shop around because not all insurers have the same rates or discounts. You may find one insurer who will offer you a rate cut for combining multiple policies. Home and car discounts are common, but not all companies offer them. Another may reduce rates for anti-theft devices or fire alarm systems. You need to find the company that will give you the best break for the things you do right.
These days, insurers even consider the credit scores of applicants. A customer with some challenges on their credit report may not get the best rates even if they qualify for other reasons. If your family has experienced some recent credit problems, it may be best to shop around.
I encourage you to consider an online quote form. Type in the basic facts about your home, enter, and then relax. Top competitive insurers will send you their rates and plans so you can compare.
Tags: finance, home, home buyers, home insurance, homeowners insurance, insurance, insurance quotes, policies, stimulus plan Posted in home insurance | No Comments »
Thursday, September 24th, 2009
by Erin Cureton
Drywall/ Plaster Repair In the city where I do most of my rehabilitation work, all the houses are 90 to 100 years old. Cracks and holes in the plaster are common. Often, holes in ceiling plaster are the result of water infiltrating either from the roof, or from a split plumbing line. Holes in walls are often the result of vandalism, but could be the sign of more serious foundation issues. Once the root cause is fixed I normally patch the area with inch drywall. Perform this task by placing a piece of inch drywall over the hole (lathe must be present behind the drywall). Secure the drywall to the hole with at least 2 drywall screws. Insert your rotozip near the edge of your hole and cut the drywall by pressing the rotozip blade against the remaining plaster. Once your piece is cut, secure it with multiple drywall screws, mud the gaps, tape, re-mud then sand to a smooth finish.
Basic Water Pipe Repair If you are working on a foreclosed home that has sat over the winter it is important to inspect for burst water pipes in the basement and walls. The hardest part of the repair is finding all the leaks. You do this by turning on the water, listening for falling water, then visually inspecting where the water is coming from. Once you find the leak, cut out the old section of pipe and cut a section of new pipe to replace it. Rough up the end of the old and new sections of pipe with your sandpaper. The easiest solution is to buy a Shark-Bite coupler and push into place. No flame is required for this repair..
Drain Repair Clogged drains are very common. A snake should be a staple in your tool box. Drains work by using the force of gravity to expel wastewater down and out of the house. Improperly working drains can be the result of improper pitch in the drain line or a clog. If a clog is found in the drain line, such as hair or grease, remove the drain, remove the clog, replace the drain and test.
Replacing Light Fixtures Be sure the power is off to the fixture by checking the wires with a voltage meter. Remove the old fixture. Strip off a section of the wire casing and attach your new fixture with wire nuts and electrical tape. Insure that no unexposed wire remains. Since each fixture will come with its own set of instructions, be sure to read those instructions thoroughly to insure proper installation. Electricity can cause severe injury if you do not follow instruction implicitly.
Window Installation Carefully remove the old window, making sure not to damage the wood frame. Once the window is removed place wood shims on the sill and level the shims. Once the shims are level secure them in place with screws (drilling pilot holes will keep the shims from splitting). Put the new window in place. At the sash, place more wood shims between the wood frame and the window to fill that gap, and then secure the shims in place by screwing through the window frame and into the wood frame. Repeat this step about six inches from the top and six inches from the bottom of the sides. Once the sides are secure, make sure you can easily open and close the window. Fill the gaps around the window with expanding foam insulation.
Refinishing Wood Floors I rent a lot of the homes that I rehab. If I re-carpet, I will probably have to o it again after the first tenant moves out. If I refinish the hardwood floors, I can re-rent it over and over without much hassle. Remove all of the tack strips, staples, nails and quarter round molding. Once the floor is clean, run your drum sander with the grain of the wood. Working a drum sander is a lot like working a self-propelled lawn mower. It is very important that you keep the drum sander moving at all times though. If you leave it sit it will quickly eat into the floor. I start with 36-grit sandpaper, then 80-grit, and then 100-grit. Once the main body of the floor is sanded, do the edges with an edge sander using the same grits of sandpaper that you used on the main floor. When all the sanding is complete, sweep the floor, and then vacuum the floor. After vacuuming, I like to lightly mop the entire floor. Allow the floor to dry then apply a stain of your choice. Allow to dry then coat with 2 - 3 layers of polyurethane. Replace the molding.
Laying Tile The key to a good tile project is a good foundation. Whether you are tiling a wall or floor, the foundation must be plumb or level and the surface must be flat. Start by removing the old coverings whenever possible. Once the old covering has been removed put down a cement backerboard over the entire area to be tiled. Be sure to secure the backerboard with screws designed for this application. Fill in the joints of the backerboard with mortar. Begin tile installation by troweling on a thin application of mastic over a three to four foot area. Set the tile in place and push gently to secure the position. Place a spacer next to the tile and position the next piece. Continue in this fashion until the tiles are all in place. Allow the mastic to dry for 24-hours before grouting. If you are laying a natural stone tile (travertine, slate, marble) be sure to seal the tile prior to grouting. If you don’t, the tile will appear hazy. Remove all tile spacers. Mix the grout and push the grout into the seams using a rubber float. Immediately wipe up excess grout with a damp sponge. After an hour or so, wipe down the tile with a paper towel or piece of cheesecloth to get rid of the haze on the surface.
Texturing a Ceiling Ever wonder how those skilled craftsmen got your ceilings textured so randomly yet so perfect. It’s easy, and there is very little skill involved. Dip a paint roller with a long (4 foot) handle into a bucket of top-coating mud. Roll the mud onto the ceiling. Cover a ten-foot by ten-foot area. Push your texturing brush into the mud and pull back quickly to create a random (yet perfect) dimple pattern all across your ceiling. After it dries finish by painting with a white ceiling paint. (Note: This project can be messy. Either do it before you put your floors in or cover them completely. )
Painting a Room Prior to painting any room, always inspect the surface of the walls. Take the time to fix any small pinholes or cracks with spackling paste and sand to s smooth finish. Once the walls are smooth, look for gaps between the walls and the trim. Fill the gaps with caulk and smooth the caulk with a wet finger. Paint the trim first with a white semi-gloss paint. Next, apply one coat of latex primer to the surface of the walls using a roller. After the primer dries apply your paint. A flat latex paint is the best choice for hiding small imperfection in your walls surface. Two coats of paint will generally provide complete coverage. To edge the walls, apply painter’s tape to the trim, and brush the paint onto the edges. After you have painted the edges, remove the painter’s tape and you’re done.
Landscaping Most foreclosed houses have neglected exteriors. This is a key area in reselling or renting out your house. The exterior is the first impression people will get of your house. Most of the time, I remove all the overgrown 1950’s era plants and replace them. If there are any good plants in the landscape, I try to remove them in a way that they can be re-used in the landscape. If they are too large to remove, prune them to improve their appearance. After removing the old shrubs, cultivate the bed and mix in organic materials like manure, compost or peat moss. Arrange your new plants on top of the beds. Once you are happy with the arrangement, remove any burlap or plastic and plant them. Be sure not to bury the root balls of shrubs. You want to plant the shrub with just a little of the ball showing above the ground surface. Follow spacing instruction on the containers so that your new landscape doesn’t look like overgrown in two years.
Tags: business, drywall, entrepreneurs, home improvement, home repair, insurance, investment, landscape, money, property insurance, real estate, rehab Posted in property insurance | No Comments »
Thursday, September 24th, 2009
by Jules C. Hooker
As if there were not enough decisions to make when you are purchasing a house and getting a mortgage, lenders now have such a wide rang of ARMs (adjustable rate mortgages) and the borrower even has to choose the index upon which the ARM will be based!
When we speak of the “index”, we are talking about of the base financial instrument that the adjusting rates will be based on. Various indices are employed, including government treasury instruments, the Fed Fund rate or LIBOR.
The basic concept of an ARM is that the interest on the loan is adjusted up or down, periodically, based on a chosen underlying interest rate that is indicative of interest rates in general. For example, if you chose the CD rate as your index, when CD rates increase, your mortgage rate will go up. Adjustable rate mortgages have adjustment caps, which says that the interest rate can only be adjusted at given periods, even if the underlying interest rate goes up more frequently; this can be an advantage if you just readjusted and then rates move up. By the same token, if your adjustment is scheduled to take place right after the CD rate increased, you will have that rate for a while, even if the CD rate is lowered in the interim.
Your ARM may be linked with the Treasury Bill rate, which is the rate the US Government pays on its 90 day investments. The Fed Funds rate is the most used index for ARMs. LIBOR is the London Interbank Offered rate, which is the rate that commercial borrowers pay each other for the use of funds.
Which is the right choice depends on your own circumstances and your view of where interest rates are heading. CD ARMs adjust every six months, for example, and therefore react more quickly to interest rate changes. On the other hand, if your ARM is based on T Bills, it will move more slowly. LIBOR is one of the quickest moving indices, so if you want to take advantage of quickly falling interest rates, this is the one to use.
As we mentioned, new products are introduced each day, and one of the newest it the option ARM, which allows the borrower to choose how much he wants to pay on his home loan each month. The mechanism behind these loans is that they are basically interest only loans, so you have to pay that minimum, and then you have the choice to pay more. Be warned that minimum payment option can end up in an increasing, rather than decreasing mortgage, a phenomenon known as negative amortization.
This is a lot of information for the home buyer to digest, and the best solution is to talk to a professional mortgage broker who can explain it all and recommend the best course for you.
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Thursday, September 24th, 2009
by Ray Devine
Like most people seniors also need life insurance. Simply because your children are all grown up and live on their own it doesnt mean that you shouldnt have life insurance to take care of some essentials. You will most probably not need as much insurance cover as a young couple with a few children would, but you should definitely have some.
Of course, if you have no one who depends on you financially, and all your bills are paid prior to your death and you have enough in your savings to handle your funeral expenses, you may not need life insurance. Even if the kids are gone and the bills are paid, you may still need life insurance.
Now days, dying has gotten very expensive. If you do not have $10,000 put away for funeral expenses, the burden will be passed along to your family. If you have a large estate. Estate taxes can be very high. Having a tax differed savings in your policy can pay for these taxes so the burden does not fall on your beneficiaries.
Even though your family will not be dependent on you after your death they may struggle to cope with you dying and thus be unable to work, so the money that will be given to them from your policy will help them in a huge way. Also, the payout from the cheap term life insurance policy that they will get will be better in a ten thousand policy payout than the cash that they will get taxed heavily on.
Even though a couple may be older, they each usually have some kind of income. This income may have them accustom to a particular life style. If one of them should die, they may not be able to keep up this life style. Especially with the ever rising cost of inflation. A small term life policy may be all it would take to make sure the survivor can maintain the life style they have become accustom to.
A whole life or permanent life insurance has it’s advantages also. It has a tax differed savings that grows with the policy. A portion of your premium payments are used to fund this. In time, this can build up to a very nice cash value. This can be turned into an annuity or drawn on if needed.
A supplement term life insurance policy can be a security blanket for you and family members even if you have a whole life insurance policy. With the cost of living constantly on the rise, you’re existing whole life policy may not be enough to pay your final expenses and help your surviving family members the way you had planned.
So, when deciding on your policy, consider the life styles of your surviving family members, the future cost of living hikes, the rising cost of funeral expenses, and the ever growing life expectancies of people now days. You can find a cheap life insurance quote if you take the time to compare.
Tags: cheap term life insurance, finance, insurance fiancial, Property, property insurance, term life insurance, whole life insurance life insurance Posted in property insurance | No Comments »
Wednesday, September 23rd, 2009
by Rob Lederman
Monitored alarm system This security measure guards against home intrusion. When the alarm is tripped the police are dispatched to your home.
Two-way voice verification By speaking directly to your home monitoring station in an emergency, this tool gets you the quickest police response. Its like on-star for your house.
Auto arm This feature allows your security system can be set to turn on at a specific time, in case someone forgets to turn it on.
Latch-key ability When your child comes home and turns the security system off, a notification will be automatically sent to your e-mail or cell phone.
Cell back-up service If the phone line is taken out, this will send cellular signals to the monitoring station so you are still protected.
Surveillance systems Proven Security can install cameras on homes or businesses that can record up to a month at a time, have Internet access, and burn onto a disc if required.
Night vision and completely customizable cameras. Lederman says there is a camera for any application a customer could possibly want.
Covert surveillance With the ability to hide chip cameras in smoke detectors, lamps, electronic devices, or anything the customer desires, your home will be protected without people noticing.
Intercoms with buzz in Dont let anybody pass your front gate without speaking to them 1st. This device is most effective when used along with a camera.
Proven Security Solutions systems are completely customizable Whatever the customer wants, they can get.
Install a Cleveland fence. Any obstacle that gets in the way may send the burglar to the next home.
One out of every five homes will experience a break-in or home invasion, according to a United States Department of Justice report. According to the Federal Bureau of Investigation’s Crime in the United States report, 98,508 Ohio houses were burglarized in 2007. Those are some frightening statistics; thankfully, homeowners can take precautionary measures to protect themselves, their families, and their property.
About the Author:
Rob Lederman, president of Proven Security, has been in home protection for 7 years and has overseen security work done on over 1,500 locations. With their security devices protecting 200 Cleveland area customers, Proven Security knows how to stop the bad guys. If you are looking for a Security System Parma or Commercial Security System in Cleveland call rob
Tags: family, Family Safety, home business, home insurance, home security, improvement, insurance, lower insurance, security Posted in home insurance | No Comments »
Wednesday, September 23rd, 2009
by Steve Goldman
The most important factor to capturing useful surveillance video is making sure the lighting levels are adequate for your outdoor security camera. Depending on the type and model of the camera there is a wide range when it comes to minimum lighting requirements. There are some basic strategies we can use to make sure poor lighting won’t hinder the performance of the security camera.
The first option is simple. Installing additional lighting might be the most straight forward solution to the low light conditions but it may not always be the best solution. Either the infrastructure required to install the lamps are not available or the environment requires that there are no lights, such as surveillance of a dark room. Also, the controls for the light are another consideration with this strategy. Leaving the lights on 24 hours can be costly but turning the lights on and off could require additional hardware, such as light sensors. Sometimes additional lighting is not sufficient for the conditions, whatever the case there are two other options.
If the area is not completely dark and the light levels are just too low, try a black and white camera. Colored cameras have higher light requirements than black and white cameras and for that reason a black and white camera can capture images at much lower light levels than a colored camera. This is only effective if there is still some light in the area to be under surveillance. Otherwise a night vision camera will be required.
Night vision security cameras come in varying degrees of effectiveness measured by the LUX rating of the camera. The LUX rating lets us know the minimum light levels required for the security camera to work. The infrared technology records light at a frequency beyond what is visible to our eyes and produces the image in shades of green. The LUX rating is only useful when comparing between similar manufacturers because it is relative to their standards. By itself it doesn’t tell us much except that a LUX rating of 0 means the camera can produce an image in complete darkness.
The sole purpose of an outdoor security camera is to record activity in an area for increased security and darkness is more reason to increase the level of security. Psychologically people feel more secure committing crimes under the cover darkness and that is why we have a need to protect our things, our families, and ourselves with security surveillance cameras.
The best way to protect an outdoor security camera is by using common sense and taking as many threats into consideration before installing the camera. This way you can look for the optimal installation position and strategy to minimize the chances of damage to your camera. Don’t forget all the supporting accessories in your security surveillance system such as the cables that connect the hardware. They need to be protected just like the rest of the system.
Tags: camera, electronics, gadgets, home, home insurance, home security camera, monitoring security video, network camera, outdoor camera, security, surveillance, technology, video camera, wireless camera Posted in home insurance | No Comments »
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