Tuesday, July 20, 2010

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Concerned about the Climate Crisis and the release of Green House Gas (GHG) emissions? Want to lower your carbon footprint related to your residential home? You might just be able to if your home is a suitable match for a solar energy system that is now being offered on a rental basis.

The following article provides the step-by-step requirements so that your home can be evaluated for it’s solar energy suitability.

Top considerations U.S. homeowners will need to consider to have a solar energy system installed on no upfront purchase bases, i.e. rental:

* You must be the owner or mortgage holder of your home.
* You must live within an area covered by a utility company offering net-metering.
* You should have at least a one year history of your energy consumption, i.e. energy bills.
* You must have the desire to have a solar energy system installed on your home.

An innovative company has a new strategy to remove all of the barriers to solar generated energy. This solar equipment manufacturer is offering a solar energy unit to American homeowners on a rental basis. No need to purchase a system outright any longer. Unless, you have the means, where-with-all, and wish to maintain the system yourself. If you want to purchase a solar energy system, you can find many new companies stinging up all over the place. The environment needs it. We should all upgrade to solar.

Although, there is another option. A new solar panel rental service is probably not new. But, it still is blowing many people away with the simplicity of the concept. It seemed like this was too good to be true or something. As is the case with innovative and game changing ideas, this new company has such a simple idea. Rent the solar energy system versus having to buy it. Once has to think, “why has this not happened before”.

However, there are some restrictions; not everyone will qualify and there is a long waiting list of potential solar system renters already reserving a system. The good news is the process to get your home evaluated for a solar unit is pretty clear. The following “How-to” guide documents what the average homeowner needs to do to be considered for a solar system installation.

Solar Power Site Evaluation and Energy Audit

The energy audit, solar energy system design, and the installation and construction process start with the home review of the residence performed by one of the company engineers. During this site review, the engineer will take measurements of the lot, home layout, take notes of the roofing materials & condition, the roof orientation to the sun, and assess the present shading factors and those that may build up over time; like the growth of trees or new additions to the property.

The solar installer will communicate to the homeowner in detail the installation time line and what to expect related to the solar system installation. They will also give an overview of the day to day operations of the home solar energy unit once it comes online. If the homeowner has any questions about anything during the site review, the engineer is the one to ask when they are on site.

Home Solar Power Design and Rental Agreements

Once the site-review is completed, the solar engineer will design a system that both fits the home’s layout and meets as much of the homeowners electrical needs as possible. In some cases, a solar energy system may not be suitable for a residential home. Often excessive shade, inappropriate roof angles, or just limited physical space for the solar panels will not allow for a solar power unit installation.

The rented unit may in fact only provide a portion of a particular location’s energy needs. This is a good thing to thinking about and plan for because it underscores the requirement for detailed energy planning and auditing. All of which leads to projects to improve energy conservation around the homeowner’s property. The company will still install and rent out the solar energy system but it will not guarantee that the unit will allow the homeowner to self-generate 100% of their energy needs.

The actual system design is presented to the homeowner at the conclusion of the site review. The can then approve of the plan & the general system design. If there is any discrepancy or concerns with the design, the homeowner is encouraged to bring these to the attention of the solar engineers. A proper question and answer session included during the site evaluation.

Solar Panel Rental and the Solar Unit Security Deposit

Following the design approval, the homeowner is asked to pay a security deposit for the solar system installation. This deposit is 100 percent refundable with interest at the end of the rental term. The security deposit covers any damaged caused by homeowner tampering or malicious intent and for homeonwers who have the need to move their system more than once. The security deposit helps cover the cost for the installation crews to move solar systems multiple times.

The solar installer will complete and submit the necessary building permits for the given area after the security deposit is calculated and collected. They will also manage the relationship with the local utility company related to the met-metering arrangements. This whole process may take a few weeks, but at the conclusion, the team of installation technicians will be prepared to have the system installed.

Solar Energy System Installation and Maintenance

Once the permitting paperwork is in order, the installation team will contact the homeowner directly to set the solar system installation date. The installation technicians will then install the solar panels and prepare the unit for final inspection by the local permitting office. Once the local county and utility representatives have inspected the installation, the homeowner is ready to begin taking advantage of flat-rate solar system rental, a more reliable energy service, and a source of 100% clean, solar energy.

Final Considerations to Rent a Home Solar Energy System

* Start collecting your utility bills and file them away. The energy audit provides the best results if a least 2 years of energy consumption is tabulated.

* The renting of a home solar energy system is a new idea. Be sure to do your research.

* Even areas in the northern parts of the Unite States still have adequate exposure to the sun. Don’t write off you location for a solar unit rental because you don’t live in Arizona.

* Reserving a system and getting your site inspection scheduled early is the key to getting your site inspection & evaluation completed.

By: George Moss

About the Author:
George is a renewable energy enthusiast who has successfully installed his own wind and solar power system in his home, using the guide at Earth 4 Energy. He strongly recommends you pick up the guide if you are interested in saving money on your power bill.



Forex Managed Accounts Explained

Posted by Kenny On June - 18 - 2010


Do you want to trade in the highly liquidated and extremely profitable foreign exchange market, but don’t want to learn all those terms, charts, indicators, and technical details that you need to be successful on your own? Then maybe you’re looking for forex managed accounts. Don’t know what that is? Then keep reading; maybe you’ll learn a thing or two after all.

Forex managed accounts are as simple as they sound: accounts in the foreign exchange market which are managed by a trader, paid for by an investor, and result in lots of good money. There are two kinds of forex managed accounts, and each has its own advantages and disadvantages when it comes to trading in the market. It’s up to you which you pick.

The first type of forex managed accounts is the robot, or the automated account. This completely automatic program is designed by experienced traders in the forex market and supplied to the investor for simplicity. This is clearly the most efficiently managed account available to you, as it takes into consideration all indicators and statistics open to it. When the time comes, the robot receives a signal–and trades. It’s that easy. However, robots do lack an instinct–which can be a good thing, if you’re hoping to avoid emotional trades, or a bad thing, if you want someone who’ll take advantage of a huge opportunity.

The second type of forex managed accounts is the employee–the investor hires an experienced trader, someone who has long been successful in the market, to make the investor’s trades for him. This is at least as good as the robot–probably because the employee designed the robot in the first place–and it’s all personalized. Unlike other markets, where money is pooled to maximize profits, your trades are done in your name, and yours alone. It’s forex trading by an individual, for another individual, and it stays that way. On the other hand, a personal employee to make your trades for you could cost you a lot more in commissions and fees. You can find out more about forex trading and forex accounts at http://www.forextradingsystemsoftware.com

But why should you have one of these forex managed accounts? Why can’t you just casually trade on your own, like a money-making hobby on the side? Because trading in the forex market is hard work, and not just anybody can do it. This is a market in which over two trillion dollars are traded every day, and with a market that size, somebody has to be losing. Statistics indicate that that somebody is 90-95% of new traders. Without the right education, you’ll lose quickly in the forex market, and education costs money, too. If you’re not getting a forex managed account, then you’re not getting a hobby–you’re getting a job, complete with prior training and continuous studies.

Still interested in working the forex market as a hobby? Or are you sure that one of these forex managed accounts is the right thing for you? It’s up to you which type you use, and it’s up to you where you get the program or individual to do your trades for you–but a managed account lets you keep your job if you want and rest easy at night, knowing that you’re still making money, even while you sleep, without the hassle of training.

By: Bill Smith

About the Author:
Bill is a veteran forex trader who built up a huge fortune over a 10 year period. When he talks, it’s worth listening. He recommends picking up the Forex MEGADRIOD system to predict trades with a 95.82% accuracy (check it out now – you’ll be amazed).



Best Investment Strategy For Most People

Posted by Kenny On June - 17 - 2010


The best investment strategy for most people is to KEEP IT SIMPLE. Don’t complicate things when investing money or you’ll likely feel uncomfortable and lose interest. Here we offer a simple solution for both choosing investment options and asset allocation.

The best investment options for most people who want simplicity: index funds. You don’t need to worry about fund performance since these are mutual funds that track a stock or bond index. Plus, the cost of investing money is low if you go with a major no-load fund company.

The other half of the investment strategy equation is called asset allocation. To keep it real simple, you will be investing in three different types of mutual funds: stock index funds, bond index funds and money market funds. How much (what percent of your total investment assets) should you invest in each?

Best investment strategy for most people: 50% to stock index funds and the rest split evenly between bond index funds and money market funds. Investing money with this asset allocation puts half of your money at risk in an attempt to make greater profits. The other half is safer and pays interest in the form of dividends.

Your bond fund will generally pay more interest, and you will benefit when interest rates are stable or falling. When interest rates rise expect losses in any bond investment. Money market funds, on the other hand, benefit when rates go up and rarely (if ever) fluctuate in value.

If you want higher safety put more money in your money market fund than in your bond fund. For greater income in this safer half of your portfolio, invest more in your bond fund. Otherwise just go with our original asset allocation above.

Now, you know how to set things up. But to have a complete investment strategy you need to manage things over time. We’ll keep this simple as well.

Don’t let your allocation numbers get out of line as time goes by. If you started investing money with 50% in stock index funds and the other half evenly split as suggested … keep it that way. At least once a year review your progress and your percentages. Move money around when necessary.

For example, you see that your stock fund accounts for only 45% of your total vs. your original allocation of 50%. Move money from your other two investment options to get back on track.

Why I call this the best investment strategy for most people: It’s easy to set up and implement; and you can make better returns than many investors without the risk of taking huge losses like many do in a year like 2008.

By: James Leitz

About the Author:
A retired financial planner, James Leitz has an MBA (finance) and 35 years of investing experience. For 20 years he advised individual investors, working directly with them helping them to reach their financial goals.

Jim is the author of a complete investor guide, Invest Informed, designed for average investors or would-be investors of all levels of financial background and experience. To learn more about investments and investing and his new financial guide go to http://www.investinformed.com