A Few Decorating Budget Tips to Get You Started

The first thing you should remember when decorating is that there are no rules except those that you set for yourself. However, having a plan is always a good idea and will help you to keep on budget.

Below are a provided a number of tips that will help you get started.

1. Trust yourself
   Remember, you will know more about what looks good for your home than you think.
2. Focal Points
   Select the most important element in a room, say a fireplace, and make this the focal point. Then place furnishings and objects around it to draw a person’s eye towards it. You could, if you want, direct the person’s eye towards, say, a window, which then directs them to look outside into the garden.

At It’s a Baby we have a range of nursery furniture to satisfy all budgets. All our furniture and bedding meets the highest standards of safety and comfort in order to give you peace of mind while your baby enjoys a good night’s sleep.

Moses Baskets

• For babies up to 3-4 months (6kg/13lbs).
• The strong handles make the basket easy to move, so you can keep your baby near you, wherever you are.
• Choose wicker or palm, with washable trimmings in plain fabrics.

Cribs

• For babies up to 3-4 months (6kg/13lbs).
• A traditional swinging crib can help soothe your baby to sleep.
• Choose natural or painted wood.
• A crib is not suitable for a baby who’s become active.

Cots
Cots are suitable for babies from birth.

Drop-side
Many styles have mechanisms that allow you to lower or raise the side with one hand, while cradling your baby with the other.

Quick Start Assembly

• Unpack Your AeroGarden Deluxe
• Insert Lamp Arm into Base
• Attach Trellis Brackets to Lamp Hood (Optional*)
  Hand tighten pre-mounted screws with phillips head screwdriver. Do not over-tighten.
  * Recommended for larger plants that need support, such as tomatoes, peppers or cucumbers. Can be added to AeroGarden Deluxe after garden is growing.
• Insert Deluxe Grow Bulbs into Lamp Hood
• Plug Lamp Cord into Lamp Hood
• Place Lamp Hood on Lamp Arm
• Set Bowl into Base
• Moving Your AeroGarden Deluxe
• Place Your Garden

Use Trellis System

As your plants begin to produce fruit, you may find they are starting to tip over or even break due to the additional weight on branches.

When this occurs, support plants and bring them back to the upright position by using your Trellis System*.

BASIC HOMEOWNER’S INSURANCE COVERAGES

Homeowner’s insurance combines more than one type of coverage into one policy. Usually, four types of coverage are contained in the policy: (1) Dwelling and Personal Property; (2) Liability; (3) Medical Payments; and, (4) Additional Living Expenses.

(1) Dwelling and Personal Property Coverage
Dwelling coverage helps pay for any structural damage to your home. Other structures such as a detached garage, a storage shed or any other building on your property are usually covered for 10% of the coverage on your house.

Personal property coverage pays for your contents including household furniture, clothing and other personal belongings. The amount of insurance is usually 50% of the policy limit on your dwelling. Your policy also provides more limited coverage for personal property, commonly 10%, if it is stolen or damaged while you are away from home, including when you are on vacation.

Large, unexpected bills can be a home and business owner’s nightmare. An improperly installed and/or poorly maintained oil tank can leak or spill unexpectedly, often costing in the tens to hundreds of thousands of dollars and be harmful to people, your property and the environment. It is the legal and financial responsibility of the homeowner, commercial building owners and/or property managers to clean up all heating oil tank leaks and spills.

The Department of Environment and Natural Resources has developed this Homeowner’s Guide to Oil Tanks to help prevent this unwelcome surprise.

This Guide is intended to:

• act as a pollution prevention measure;
• alert home, building and property owners about the potential environmental and financial liability of an oil spill; and
• provide some simple, practical steps that can minimize the chances of an oil spill.

Introduction

Homeowners insurance protects you from financial losses caused by storms, fire, theft, and other events outlined in the policy. South Carolina law does not require you to purchase homeowners insurance, but your lender may require you to have insurance if you are financing your home.

Understanding Rates

Insurance companies base your premium on factors such as the replacement cost of your home, its construction materials, the area where you live, your claims history, your credit score, and local fire protection class code.

How to Use the Price Comparisons