April 17, 2008 – 10:20 am
by Kent Higgins
A landscape project isn’t fully complete until you add the finishing touch - lighting. Why spend so much time on a garden or waterfall to only look at it during daylight hours, when you are probably away at work or school anyway (especially in the winter when it gets dark so early). By adding lights, you can enjoy these features into the night. There is more to landscape lighting technique than just using high power floodlights to light up your entire yard. Instead, you should strategically place lights to highlight the most important areas of your yard.
You can use floodlights still, but they should be focused on certain areas that you use often such as a patio or deck. Without lights, you will probably feel much less comfortable being outside at night with family or friends. The lights can also focus on your favorite plants, or larger groups of bushes. You can use low watt lights for a more mellow effect if you’d like.
If you need to see well enough to use the area though, you will need lights with more power. Rope lights are another option if you don’t like floodlights. They are often seen with multiple colors, and used for decoration around the holidays. They can also be used to outline a walkway or path though. They will help guide you so you know where to walk at night. You will have less chance of tripping on a root or slipping in the grass if you are well guided along a walkway by lights. Lighting can add beauty and function in your yard.
Landscape lights will also add an element of safety to your home because it will deter thieves from coming too close to your home because of fear of being seen.
Landscape lanterns add an interesting style to your home. They can be solar powered, battery powered low voltage deck lighting, lit with candles, or powered by standard electricity. It doesn’t have to be difficult to install landscape lighting at you home. Thoughtfully adding lighting will greatly increase the usability of your yard, while adding a dramatic look at the same time.
Tags: Home Security
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- Where to Start When Planning Retirement
Most people think that you need intricate, costly retirement planning kits to get the most out of your planning. Not so! Many good retirement planning tools can be had for free. They may not have tons of extras, but sometimes simple can be perfect, too.
Start with Budgeting
This tool may not seem all that inspired, but it can make a huge difference in your retirement planning: a budget. Start with a blank piece of paper, or a blank spreadsheet, if you want to use your computer. Go through your checkbook, credit card statement, and bank statement and write down all of your monthly expenses, including your utilities, credit cards, eating out, groceries, and snacks.
Write down every single thing that you spent money on, even if it was just for fun. Now, at the bottom of the page, subtract the amount from your total take-home income. Anything that is left over is potential for retirement funds.
If you don’t have anything left over, then it may be time to rethink your budget. Cut back on the little things so that you can plan for the big thing, retirement.
The Personnel Office
Many folks don’t realize that the best retirement planning tools can be found at their job; it is called the personnel office. Personnel can help you find and sign up for every perk, investment, and savings benefit your employer has to offer. Some businesses even work with banks and local investment firms to get retirement information to their employees. Stock up on the brochures and reading material that the office has as well. It’s like getting top-of-the-line retirement advice for free!
Use the Internet
You can get tons of nifty retirement planning products on the internet. A lot of it is what’s called Shareware, which are programs that are created by programmers in their spare time to offer to the public free of charge. The Vanguard Retirement Calculator helps you see if you are investing enough and helps you average your investment returns. AARP has a Retirement Roadmap Tool that helps determine how much your retirement dreams will cost in the real world. Principal Financial Group offers many different kinds of planning and investment calculators for planning for retirement. CNN Money.com offers an intensive calculator that covers investments, goals, income, savings, and portfolios.
there is no need to spend big bucks on retirement planning tools. Free ones are right at your fingertips.
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