If you live in a warm climate where summers can get well above 100 degrees then maybe you have considered various home improvements to limit the heat. There are many things you can do such as install retractable awnings, efficient shades, and perhaps even misters, yes, a misty patio could be in your future, cooling you off and making your summers not only bare-able but also quite enjoyable as well.

One system that works very well is a misting fan, as just a little bit of water in a mist fan can lower the ambient temperature drastically. Most of these systems are pretty straightforward; the fan will oscillate, while shooting out mist and it can keep an outdoor patio room of about 1000-1200 square feet a lot cooler. If you had an air conditioner that was to do the same thing the amount of energy it would use would be far greater than a really small pump and a decent fan.

Interestingly enough you can do this yourself, as it really isn’t that difficult although you need to realize that the mister system cannot leak water on the electric fan motor. You don’t want to electrocute yourself or cause a fire. If you are not mechanically inclined you can buy; A Windchill Misting Fan. These are available at Lowe’s or Home Depot, and they are not too terribly expensive.

There are quite a few differences in quality however and you need to shop around a bit and not go for the cheapest unit you can find. Many are made with parts from China and they are not built in the US. Most importantly you need a good length of connecting house 6 to 10 feet. And I recommend a system that has four nozzles and puts out about three quarters of the gallon to 1 gallon or more per hour. Much more than that and it will make everything wet and soggy. Please consider all this.

Your home now requires some improvement works to be done on it after it has served you for so long. And surely you would need a loan as there is huge amount involved in various types of improvement works. Secured home improvement loans are best suited if you do not want a loan to be a repayment burden. Not only had that secured home improvement loans enhance your home value which in turn makes you financially stronger in many ways.

Secured home improvement loans are approved against the borrower’s home or any valuable property. The biggest advantage of secured home improvement loan is that it comes at lower interest rate. Also you are approved greater amount ranging up to £75000. Higher equity in collateral enables in borrowing greater amount. What is more, you can even choose to repay secured home improvement loans in larger duration of up to 30 years. This clearly means that if a borrower opts for repaying the loan in say 25 years, his monthly payment for the loan installments gets reduced for easy repayment.

Another plus point of secured home improvement loans is that these loans are easily approved for bad credit borrowers who have credit problems like late payments, arrears, payment defaults or county court judgments against their names. The lender has little risks as he has the bad credit borrower’s property as security. But note that the lender will sell the property for recovering loan in case of payment default.

Compare different lenders to take secured home improvement loans at lower interest rate. You can source the loans from online lenders for fast processing and approval. Pay off the loan installments regularly for improving your credit score and for keeping away the lender from selling your home.