May 112018
 

Did you know that homeowners’ insurance can help keep you protected against frivolous lawsuits? Let’s say some buffoon decides to take a jump over your fence and into your swimming pool. If he hurts himself, he could sue you and win big. This is one of the many reasons you need insurance and one of the reasons you need these tips to help you find the best deal on a package.

Save money on your homeowner’s insurance by not purchasing items that are potentially injurious. Building a swimming pool or buying a trampoline can raise your annual premium by as much as ten percent or even more. Instead, visit the neighborhood pool or playground and get the same enjoyment for a lower price.

TIP! A renter’s insurance policy for your home is inexpensive and will protect your valuables in the event of certain types of loss or damage. In the event of a fire, for example, you own belongings would not be covered under insurance your landlord carries.

If you are struggling to make the monthly payments on your homeowner’s insurance, considering raising your deductible. Just like with health or auto insurance, having a higher deductible means lower risk to the insurer and lower monthly rates. However, this should only be used with homes that are not likely to suffer small maintenance issues, as the homeowner ends up with those costs.

An excellent method of reducing your premiums is paying off your mortgage. Obviously this is not easy to do, but many insurance companies can reduce their rates if your house is paid off. Generally, they believe that if you own the home yourself, it will be better taken care of.

Insurance Company

TIP! Pay off any mortgages associated with the residence and a percentage of your yearly premium will vanish. Your rates will go down significantly if insurance companies see you have more stake in your home.

If you need to file a claim with your homeowner’s insurance company, do so promptly. Quickly respond to any request for information as completely as you can. The more information the insurance company has, the faster they can process your claim. Also, much damage suffered by homes will only worsen with time, meaning that if you let it sit, the cost will be higher.

Don’t wait around until someone attempts to take you to court for something out of your control. Make sure you’re always protected with the best homeowners coverage possible. Use the tips we outlined in the above article to save money on a quality insurance plan. You never know when something bad or very strange is going to happen.

Apr 282018
 

It seems like there’s a new insurance company going into business every single day. Their competitive prices might lure you in instantly, but you need to be fully aware of how the home insurance business works before you leap. Read the tips provided here to help you make a good decision.

When shopping for homeowners insurance, saving money is key. Having devices such as smoke alarms, carbon monoxide detectors, and monitored home security alarms in place can offer great discounts. Remember to discuss these (and other) safety devices with your agent when negotiating your next homeowners insurance policy.

TIP! Many renters do not realize that they need renter’s insurance. In the event of a fire, for example, you own belongings would not be covered under insurance your landlord carries.

Save money on your homeowner’s insurance by not purchasing items that are potentially injurious. Building a swimming pool or buying a trampoline can raise your annual premium by as much as ten percent or even more. Instead, visit the neighborhood pool or playground and get the same enjoyment for a lower price.

Check the status of your homeowner’s insurance premiums at least once a year, to see if you may qualify for a lower rate. Your current rate may be based on an old crime statistic, for example, or you may have installed a security system that could lower your rates. Discuss these changes with your insurance agent.

When you are dealing with homeowners insurance keep in mind that some insurance companies will actually lower your premium if you get your mortgage paid off. They will think that since you own the home outright you are more likely to take better care and pride in your home.

TIP! Make sure you notify the company about fire or security alarms you have installed. You can save five percent on monthly insurance premiums if your alarm system is monitored by a security company.

A lot should go in to your final decision. You should never decide to purchase insurance on a whim or simply for the savings. Doing so will result in shoddy coverage. If you use these tips to find the right coverage, you will be able to save money, while still receiving the quality coverage your home needs.

Mar 152018
 

For homeowners, home renovation is an engaging and interesting subject. While everyone wants their home to be as nice as possible, most people are overwhelmed by the thought of undertaking a home repair project. The following article will give you a great starting point, so you are ready to take on many common home improvement projects.

Thinking about replacing your outdated, faded or stained carpet? Keep an eye out for carpet installation promotions from retailers like Home Depot and Lowe’s. To achieve the carpet sales they need, they will offer installation at a greatly reduced price. This is a wonderful opportunity to replace your carpeting, and you will save money on installation.

TIP! Wood or tile floors are worth the expense if your budget can afford them. Although laminate might look real and be easy to clean, you cannot refinish it.

To save money, refinish dreary cabinets in lieu of replacing them. Add a fresh coat of paint to the cabinet bases, and replace the doors and the hardware for a whole new look. This will modernize your kitchen without you having to spend a small fortune.

A great investment for any home is to soundproof interior walls. Choose carefully which walls to soundproof, as it can become quite expensive. The important rooms to soundproof are bathrooms, bedrooms and equipment rooms. As long as you do not have an open floor plan, another great room to soundproof is the kitchen.

When you are doing any painting, make sure it is VOC-free. No-Voc paints are free of harmful chemicals: this is better for the environment and for your health. These paints do the same job as regular paint, and are just a bit more expensive.

TIP! It’s crucial that you regularly replace air filters. Doing so keeps the air in your home cleaner and helps your heating and cooling systems run more efficiently.

As you can see by now, home improvement doesn’t have to be difficult. The skills you learn in one renovation project make future projects much easier to take on. You’ll be prepared to start down the road to a long and successful home improvement career if you make use of the advice you’ve just received.

Feb 032018
 

There are many insurance companies who want to compete for your business. However, you must search to find the best one that offers the best coverage for your situation. You need to protect your home, so not just any policy will suffice. Use these tips to figure out what to look for in home insurance.

Save money on your homeowner’s insurance by not purchasing items that are potentially injurious. Building a swimming pool or buying a trampoline can raise your annual premium by as much as ten percent or even more. Instead, visit the neighborhood pool or playground and get the same enjoyment for a lower price.

TIP! You can lower your premiums through two ways. An excellent idea is to get a home security system.

When considering insurance for your home, be sure to have plenty of fire alarms installed. This will not only help with your own safety, but also will qualify you for possible discounts from your insurance provider. Especially in old homes, it is essential to have at least one detector per level. Be sure to be proactive in telling your provider about your smoke alarms.

To save money when buying homeowners insurance, consider putting an alarm system in. Most major underwriters will give a discount for a home that has a monitored alarm installed. Many times the discount you get will add up to more than what you pay for the monthly monitoring cost.

All of your personal belongings may be difficult to replace or evaluate without proper receipts, photos, or professional quotes. Keep all of these things in a singular location and provide the agency with a second copy. It is a little bit of work, but it will help you get the money you deserve should anything happen.

TIP! Keep a detailed inventory of all valuable items within your home. It is extremely difficult to remember every item in your home whenever a catastrophe strikes.

You may think that it’s a good idea to get an insurance plan that’s the cheapest, but this isn’t always the best plan. Use the tips above to get a great policy for your family. Never skimp and end up with insufficient coverage.

Nov 222017
 

One of the reasons you may need insurance tips to assist you in finding the right policy is because there are simply so many insurance companies out there and so many different coverage options. For homeowners’ insurance especially, it’s hard to sift through the rubble to find gold. This article will help you out.

To save money on your homeowner’s insurance consider the costs of construction projects before you begin building. Structures with wooden frames cost more to insure because they have more risk of burning, while structures with steel frames cost less because they are sturdier and hold up under adverse weather or other conditions.

TIP! Paying off a home mortgage can help you save on your policy. Insurance companies make the assumption that people who own their homes will take better care of their homes than those who don’t.

Save money on your homeowner’s insurance by not purchasing items that are potentially injurious. Building a swimming pool or buying a trampoline can raise your annual premium by as much as ten percent or even more. Instead, visit the neighborhood pool or playground and get the same enjoyment for a lower price.

Be aware of what your home insurance actually covers. A regular home insurance policy doesn’t cover things such as flood damage. This type of insurance needs to be purchased separately through the Federal Emergency Management Agency. Another thing to consider is earthquake damage. If this is something that you may experience, you will have to buy specialized coverage from a private home insurance company. Luckily, both of these types of coverage are relatively inexpensive.

Insurance Company

TIP! Don’t think about buying insurance for your home; just buy it. You need to be protected in case of floods, storms, burglaries or fires.

If you need to file a claim with your homeowner’s insurance company, do so promptly. Quickly respond to any request for information as completely as you can. The more information the insurance company has, the faster they can process your claim. Also, much damage suffered by homes will only worsen with time, meaning that if you let it sit, the cost will be higher.

Finding a diamond amid the rough is exactly what you’re looking for with a homeowner’s insurance policy of any type. You need a policy that’s going to provide ample coverage, without breaking the bank every time a premium payment is due. Make sure you’re using these tips to save big on insurance.

Nov 182017
 

It can happen in the blink of an eye. One minute, your house is intact. You look away from the stove for a minute, and something catches on fire. The flames spread, and you are powerless to stop the damage to your home. Are you prepared for this possibility? Learn how to protect yourself against this (and other dangers) with the following advice about homeowners insurance.

Save money on your homeowner’s insurance by not purchasing items that are potentially injurious. Building a swimming pool or buying a trampoline can raise your annual premium by as much as ten percent or even more. Instead, visit the neighborhood pool or playground and get the same enjoyment for a lower price.

TIP! While you are hunting insurance policies, put in a word about your existing security system when speaking with different firms. Having a security system that’s centralized to a security company off-site that deals with fire or burglars can lower monthly premiums up to 5% per month.

When considering insurance for your home, keep in mind that having your mortgage paid off can actually effect your premium amount. Insurance companies will commonly reward you with a lower premium if your mortgage is paid off, because it is generally thought that a home will be better taken care of if it is fully owned.

If you have recreational amenities in your backyard such as pools, hot tubs, trampolines, or other contraptions that are likely to cause injury, these can raise your insurance premiums, sometimes by 10 percent or more. Consider this when making a decision about purchasing a property with these things, or adding them to it.

Higher Deductible

TIP! It will be hard to get a claim for electronics, jewelry and other valuables approved if you do not have photographic evidence of them. It may take a bit of effort on your part, but keeping a close inventory will make it quick and easy for your insurance company to process any claim you file.

Lots of people are concerned with maintaining low policy costs. Getting a policy with a higher deductible is one way to save money each month. By choosing a higher deductible, you can effectively lower the overall cost of your policy. Just be sure you have enough cash on hand to take care of smaller repairs that you’ll now have to pay for.

Homeowners insurance can help protect you financially in case an emergency occurs. Like the scenario at the beginning of the article, your house can be damaged in the blink of an eye. Apply the advice in this article to make an informed decision about insurance for your house and property.

Nov 182017
 

Many people forget about their HVAC systems until they all the sudden quit working. Of course then it becomes extremely important to fix. Locating a contractor to work on your unit, or to put in a new one, isn’t easy. The tips listed here will help you go through the process.

If there are condenser units as part of your HVAC system, clean them often as they tend to have lots of debris. You don’t know the amount of stuff that can pile up right after heavy winds or a storm. It can get overheated, which will cause problems with the whole system.

Clean your condenser’s fan blades and coil in the spring. Be sure to turn the power off first; you don’t want anything to move. Secondly, pop the grill off, take the blades off and clean them as well as the actual unit.

When you start making calls to get someone to help with your HVAC system, it’s a good idea to know what system you have before that phone call. Write down the brand and the model and have all maintenance records on hand. This information will be helpful to any contractor you hire to repair it.

Make sure clippings don’t get on your outdoor units when your mowing your lawn. Try shooting the clippings away from it. If you’re blowing leaves, this same problem can occur, so make sure you move around the unit and blow the leaves away from it.

Try to prevent debris from getting in your HVAC unit. Frequently clean the fan grill when trees are shedding leaves. The air needs to be unobstructed into the fan, and any blockages create performance issues for the whole system.

You must keep your HVAC systems oil ports lubricated annually. These ports are typically covered with caps made of metal or rubber. Your oil should be an SAE 20. This particular oil is very lightweight and it only requires about 10 drops per port.

Know what work you want done before you select an HVAC contractor. A contractor will not be able to give you an accurate price without accurate information about your system. If you don’t have any idea, they will have trouble giving you any sort of quote. Know the right information ahead of time.

In order for your new unit to be as efficient as possible, or to make older units more efficient, make sure it’s put in a shaded area. The air in the shade is cooler and can help save on energy costs.

Make sure your HVAC systems is checked twice a year. Most homeowners choose to have their unit inspected during the spring and the fall months. This helps prepare for the coming weather changes of summer and winter. Although there might not be any noticeable issues, it is important to provide regular upkeep to prevent bad things from happening.

Pane Windows

Clean your condenser’s fan blades and coil in the spring. Turn it off first so you don’t get hurt or break something. Remove the grill and the blades, and then you can give them all a gentle clean.

If you are a home owner, replace whatever single pane windows you have with more efficient double-paned versions. Double pane windows will allow you to use less air during the summer because cooler air will stay in your house. This same effect also keeps warm air in during the winter months.

Install a thermostat you can program to save money on cooling your home. This will help you to keep the temperature at optimal levels. Some programmable thermostats can even be controlled from a PC or other device.

Try to have your HVAC system looked at every year, because regular maintenance will go a long way in energy efficiency. The service will include motor inspection, oiling of moving parts, and a freon level check. These things will boost the performance of your system.

A big mistake that people make is cutting the grass next to the outdoor condenser unit and allowing all of the clippings to blow inside the fan and coil. Make certain the debris goes away from it. Also do this when blowing leaves or shoveling snow.

To choose a HVAC contractor, it is important to check their reputations. It is a good idea to check with the BBB and look for reviews from prior clients. Investing the time to check out potential contractors can save you money and headaches.

When you’re purchasing an HVAC system, make sure that you get a unit that is properly sized for your space. If you get a unit that is too large, it will cost a lot in energy costs. Look at the manual for more information.

When you need an HVAC contractor, obtain recommendations from friends and family members. Someone who has used a contractor in the past is generally willing to let you know what they thought about it. This will also let you know which companies to stay away from.

To increase the efficiency of your HVAC unit, be sure to keep it in the shade. It will reduce the temperature of the air going into the unit, meaning that it will not have to work as hard to cool it.

Try installing a type of radiant barrier in the attic for to have a more efficient HVAC system. It blocks outside heat from coming in which will make sure you won’t have to use more energy to keep your home cool when it’s hot outside. You could even use your attic as part of your living space if it is done right.

Do you need a new HVAC unit? If so, you must consider a number of things. Systems have a rating based on how well the system is able to cool or heat an area well. If you are debating the size of the unit, always get one that is just a little bigger rather than one that is a little too small.

Decide which way your house faces to make sure your HVAC system can work its best. If you have trees placed in strategic areas, you can block the sunlight in the morning. When you do what you can to less how much heat comes into your home, your AC unit can work less, which will save money.

You need to have a contractor review your unit twice a year. The best times to have the system checked is spring and fall, so you are sure everything is running at peak performance before the heating and cooling seasons. Even if everything seems okay, it doesn’t hurt to check things out.

Obstructions often cause a clicking noise in a compressor. Often the problem will be some kind of debris hitting your fans in your cooling system. Removing the debris will quickly fix the issue. Do this before calling for assistance.

Hvac System

You should replace the filter on your HVAC system once every month. This is an easy thing to do and it will keep your HVAC system running well. Filters don’t cost too much to use, and that isn’t a lot each month for you to pay.

Once it gets cold outside, you should turn off the outdoor condenser unit. If temps go below 60 you run the risk of damaging a unit that remains on. This helps the system last much longer and will have to be repaired less often.

Before you decide on the location of your air conditioning unit, take a look at the air flow direction. Put it in a corner where the air does not flow into the wall.

Make sure you know about the cost of HVAC work when getting a contractor to work on it. Some contractors may try to charge you more for things you ought not be paying for. Having a good written contract can help avoid issues like this.

After reading this, you probably know more about HVAC systems. If your current system needs to be replaced or repaired, you’ll know what things to look out for and what things to avoid. Find the correct system by using this advice.

In order to select an HVAC contractor that you can trust, it pays to invest some time researching a few prospective companies and checking their reputations. Check out the online reviews, and run a quick search on the BBB website to make sure they have been good to past customers. In this way, you can be more sure of getting a good HVAC company.

Nov 142017
 

Sometimes it’s a wise move to bundle up your policies in order to save money on your insurance, and other times you want to have separate policies. It can all be a bit confusing based on your particular needs, so be sure that you’re using the tips provided in this article to help you shop for homeowners’ insurance.

Check with your homeowner’s insurance before adding any major recreational structures to your property. Adding on a swimming pool, above ground or in ground or even children’s toys, like swingsets and trampolines, can significantly raise your homeowner’s insurance rates. The increased cost of these items should be considered before any major renovation.

TIP! Most homeowners want to keep their insurance premiums low. Getting a policy with a higher deductible is one way to save money each month.

When considering home insurance, be sure to check with different providers to see if they have discounts for having multiple policies with them. You may be entitled to quite a discount if you have multiple policies with the same provider, such as home, auto, and life insurance. If they don’t offer a discount, ask them why. If you haggle you may get results, otherwise you should consider your options.

When considering insurance for your home, be aware of how certain possessions may affect your rates. Having a pool or skateboard ramp may bring hours of joy and fun to your family and friends, however they can make a large impact on your rates. Check with multiple providers and consider if it is worth it to have these recreational items.

To save money on your homeowners insurance talk to your agent and see if the company provides discounts for installing additional smoke detectors. Many older homes lack them in areas that are considered standard places to install today and many insurance companies will provide a discount as an incentive for you to add more.

TIP! Many things can harm a home. Fire is just one.

Unlike auto and health insurance, homeowners’ insurance is able to cover a multitude of things. You never know exactly what you need until you sit down and really examine your personal situation. Use these tips to help you out when you go on the hunt for an affordable, quality insurance package.

Jun 292017
 

From time to time, we all have plumbing questions. We all want to learn how to maintain plumbing systems and fix problems. This article will help you do this, so you will be ready to fix any plumbing problem that crops up.

Your septic tank should be pumped out at least once every five years if you want it to stay in optimum working order. Deposit and debris build up in your tank can result in major problems. If the cost of pumping your septic tank seems a bit steep, remember that the cost of cleanup and repair of a failed septic system will be much higher.

TIP! Anchoring your pipes can eliminate the hammering and squeaking noises caused by loose pipes and fitting. What you will have to do is anchor any pipes that are exposed.

If you want to look for floor damage around your toilet, just check the flooring for softness. You can check for softness or weakness in the floor by placing one foot on each side of the toilet and rocking back and forth. You can save money if you notice the problem as soon as possible.

Shower Heads

By installing water-conserving shower heads in your bathrooms, you can save money on your monthly water bill. The majority of hot water is consumed by showers. You can save up to a few hundred dollars a year by simply installing shower heads that are energy efficient.

TIP! If your toilet happens to be clogged, and the plunger is not working, you can pour a bucket of hot water down the toilet, but be sure to pour it from a height that is waist level or above so you do not flood the bathroom. The water needs to be at a low level again in order to repeat the process.

If you need to buy a pipe cleaner to unclog your pipes, it is best to find one that is enzyme based. This type of cleaner uses natural bacteria to transform sludge into liquid, that makes it disappear from the pipes. The best cleaner available on the market are the enzyme ones.

Study plumbing while your system is working perfectly so that you’ll be ready if it develops a problem. Additionally, performing a bit of routine maintenance easily keeps problems from cropping up when you least expect them. This article can help you to safely meet and maintain your home’s plumbing needs.

May 092017
 

You may think the topic of HVAC is complex. It is true that there is a great deal to consider when it comes to this subject. However, you can learn quite a bit which you can use to help you.

If your HVAC doesn’t seem to be working properly, check things out yourself prior to calling in a technician. Jot down the rooms that are hot and the ones that are cold. This will help your contractor quickly determine where the issue lies and how to get it fixed quickly and easily.

Keeping the outside condenser clean of debris and leaves will improve the system’s efficiency. The power to the unit should be removed before you begin any maintenance, even cleaning. Keep the exterior of the condenser unit free of debris.

Prior to putting in a service call on your HVAC, be able to identify it. Write down the brand and the model and have all maintenance records on hand. This will let you know that you’re able to give the contractor the information that can help them.

Make sure that you do not cover your outdoor components with grass clippings when you are trimming the grass. Make sure the grass does not get in your unit. The same goes for when you blow leaves, so make sure your are careful when moving any debris in the vicinity of your HVAC devices.

You want to put the outdoor compressor device in a shaded area. The cooler air that the unit can suck in, the less work it will need to do to further cool the air.

Pane Windows

If you’ve been having trouble with an HVAC system, look around your home before calling in people to help. Know what part of the house is cold and which is hot. Doing so can help your technician fix your HVAC issue quickly.

If you own your own home or have permission from your landlord, replace your single pane windows with double paned versions. Double pane windows can minimize the use of your air conditioner in hot weather since they keep the indoor air cooler. It keeps heat in during the winter, too.

Install a thermostat you can program to save money on cooling your home. It changes the temperature so the system isn’t in use when it’s cooler outside or no one is home. You can often control it from your mobile phone!

Keep your air conditioner off when people aren’t home to save you money. The house will only heat to certain level and a decent HVAC system can quickly cool this down once you are home. If you leave it on all day, it’s fighting the heat constantly, meaning it’s using a lot of electricity to do its job.

Understand what you want before talking to a contractor. This is necessary so that they can give you a quote before doing any work. Getting an estimate will be even more difficult if you cannot adequately describe the problem. Know this stuff ahead of time.

To choose a reliable HVAC contractor, the best thing to do is to do your homework on a number of possible firms and check out their reputations. Inquire with the BBB and look elsewhere for other reviews from customers. These steps can help ensure you make the smartest and most informed choice.

Sometimes, air conditioning units ice up. Many times people think there is a plumbing leak, but instead the drain line has water that is frozen. When you see ice, turn the unit to fan. If the problem persists be sure to call in a professional.

A radiant barrier is something that you may want to consider. This device helps block the heat from the outside, which reduces your dependency on your HVAC system, as well as your bill. You could even use your attic as part of your living space if it is done right.

Make certain that you clean your condenser when the weather begins to warm. Make sure to turn off the fan’s power first to be safe. Then, pop off its grills, pull the blades out, and begin cleaning the unit and them gently.

If the HVAC unit makes a clicking noise, look immediately to see if there is an obstruction. A small amount of debris is often the cause of this problem. Just pull it out and clean the blade off. Check it out before spending on a contractor.

Square Footage

Take a measuring tape and get the square footage of the area where the unit will be cooling. The calculation to determine the size of the unit is typically 20 BTU for every square foot of area. If multiple rooms need cooling, just add their total square footage.

Lubricate your condenser yearly if it has oil ports. These ports are typically covered with caps made of metal or rubber. Use a lightweight, detergent-free SAE 20 oil, putting 10 drops in each port.

Replace the air filter monthly to keep your HVAC system working well. This is a very simple job and it keeps the system running at maximum efficiency. These filters are only a couple dollars.

Find a HVAC company that knows its stuff. The best companies keep the technicians working honestly and on time. A licensed technician should also have no problem diagnosing any potential faults with your HVAC unit quickly. Once the problem is identified, fixing it should be quick and easy.

Never hire a contractor before asking about the work experience they have when it comes to dealing with HVAC units. You need to know that they have done the sort of work you require. It’s best to find someone who knows what they’re doing.

Find a place that is shaded for your compressor. If the unit is taking in cooler air, the efficiency will be boosted since it will not need to work as hard.

When you hire a contractor, always ask for references. You must know whether or not their customers have had an issues, and this includes trouble with the quote they were given or workers not showing up on time. The references will help you avoid wasting your money on someone that is not professional.

Any HVAC contractor you hire should have a 24-hour emergency hotline. They owe it to you to show up to fix anything, no matter how extreme the weather or what time of day it may be.

Understand the costs beforehand with your HVAC unit. Some contractors overcharge for add-ons like travel expense or fees for additional materials. Contracts will avoid these issues.

If you want things to be more efficient, get new units outside or have your current one moved into the shade. If the air your machine draws in is already cooler, it will require less energy to regulate before it’s filtered into your home.

Your HVAC will perform better during the winter if you protect the condenser with a cover. That ensures it isn’t damaged by the cold and snow. Also, never use your compressor when the outside temperature is less than 60 degrees. Use the fan.

Any HVAC contractor references given to you need checking out. Just because the reference was offered by a specialist doesn’t mean that they are real. It will just take minutes to check out a contractor, so you shouldn’t hesitate.

Consider a programmable thermostat. You can save money while you sleep by lowering the thermostat and lower your power bill at the same time.

If the house is yours or you’re permitted to, replace the windows that are single pane with windows that are double pane. Double pane windows will help keep your home cooler in the summer. It keeps heat in during the winter, too.

You can save money by choosing an Energy Star approved HVAC unit. These great products help you save on energy because they adhere to efficiency guidelines. These are put together by the US. EPA. Investing in a search for the most energy efficient unit will pay off in considerable long-term savings on utility bills.

Ideally, you feel more informed about how your HVAC works. Keep these suggestions in mind as you deal with your system. You’ll be happy you did when things start clicking in your mind!