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TOM: Coast to coast and floorboards to shingles, this is The Money Pit Home Improvement Radio Show. I'm Tom Kraeutler.
LESLIE: And I'm Leslie Segrete.
TOM: And we'd like to wish you a happy holiday season. Hope you're enjoying it. Hope you had a nice Christmas, looking forward to a fantastic New Year's. And if your new-year plans include a home improvement project, you are in exactly the right place, because we are here to help you get that done. But you've got to help yourself first by picking up the phone and calling us at 1-888-MONEY-PIT, 888-666-3974.
Coming up on today's show, it's almost time to ring in the new tax year, as well, and a good reason to keep tax deductions in mind when you're planning your home improvement projects. So we're going to help, with some tips on the top-five most overlooked tax deductions for your home.
LESLIE: And if you've ever found your home to be too crowded, how would you feel about living in just 89 square feet? Not 800 but 89. We're going to talk to a man who's done it and enjoys it and is really at the forefront of the living-small trend.
TOM: Yeah. But that's a bit too small.
LESLIE: Right? That's tiny.
TOM: Unless you live in New York and you call that a "condo."
LESLIE: Now, my first apartment in New York City was 200 square feet. And that was actually livable.
TOM: Also ahead, unless you live in a tropical climate year-round, you've probably felt the back-break of shoveling snow. So we're going to have some tips on how you can ease the strain on both your back and your wallet when it comes to getting rid of nature's white stuff, in just a bit.
LESLIE: And speaking of backs, we're giving away a treat for your back and your feet. One lucky caller this hour is going to get a NewLife Ergo Comfort Rug by GelPro. And they are great on any hard flooring that you've got.
Now, we're giving away one beautiful area rug from the Artisan Series and it's worth about 80 bucks.
TOM: So, give us a call right now for your chance to win. The number is 1-888-MONEY-PIT. We will draw one name of today's callers from The Money Pit hard hat and if it's you, you'll get not only the answer to your home improvement question but the Comfort Rug by GelPro.
LESLIE: Now we've got Nathan in Texas on the line who's got a concrete-stain question. What's going on?
NATHAN: Just wondering, we have a place on our stained concrete floors that a chair has sat at and rolled around a lot and it's faded all the stain away. Didn't know if you knew of any way to make it look any better or should we just leave it alone?
LESLIE: So the floor itself is not damaged, just that the color has gone away.
NATHAN: Right. Just from a roll-around chair being – sitting in front of a computer, moving around a lot.
TOM: And what kind of stain color are you working with right now, Nathan?
NATHAN: It's a rust-type brown with a little bit of – almost a kind of slight maroon-ish tint to it.
TOM: Alright. Well, I mean I'm glad that it's darker rather than lighter, because it seems like that might be a bit easier to match, right, Leslie?
LESLIE: Yeah. I think you're going to have to try to mix up some new stain. And I say "mix up" only because if you've got any of the original color left, you might need to add, you know, a little bit of a darker stain to it just to sort of get it to match the current color situation for the rest of your floor? And you should be able to sort of blend that in to make those bald spots, for lack of a better word, go away: that faded area to sort of come back to life.
Now, as far as repairing it or making it more robust or sturdy, I should say, for that future rolling-around on it, have you done any sort of clear coat or protective coat to the top of the stain? Or is it really just like a dry, matte surface finish?
NATHAN: It is dry. We did have a clear coat initially when we built the house. But what happened with that is any type of – if a dog walked on it, the paw prints showed and you couldn't get them off, so we had to buff it all out.
TOM: So it never really – it sounds like it remained tacky.
LESLIE: It never cured.
TOM: Yeah, that can happen if there's moisture under the slab.
NATHAN: And that's probably what happened. We had a little bit of a problem with our contractor and never really got it right.
TOM: Well, look, you could always try this in an inconspicuous area but I think if you were to get the color right and then clear-coated it again with satin, it would stand up a little bit better. But I guess the good news is that this is obviously under a desk or an area where a chair is, so it's not going to be terribly noticeable. But why not just put some sort of protective mat under that chair this time, after you get it right?
NATHAN: Yeah, I agree.
TOM: Alright. Well, good luck with that project, Nathan. Thanks so much for calling us at 888-MONEY-PIT.
LESLIE: Linda in Illinois, you've got The Money Pit. How can we help you today?
LINDA: We bought the house next door to us, when the man passed away, and he had dogs and a cat. He apparently let them use his house as a bathroom.
TOM: Oh, no. That's terrible.
LINDA: Oh, yeah.
LESLIE: Never a good thing.
LINDA: And the smell of urine was really bad. And my husband took up all the subfloor and put it outside, let it air out.
TOM: You took up the plywood floor?
LINDA: Yeah. It was boards – small boards.
LINDA: Like 1-inch boards or something.
TOM: Alright. It probably was 1-by. Yeah, alright.
LINDA: Yeah. And he had to take that up to fix the floor joist.
LINDA: So we put it outside hoping to air out the urine smell and then he put it back down. And he put ¾-inch OSB on top of that. But sometimes when you walk in there, you still smell the urine smell.
TOM: Yeah.
LESLIE: Especially on a humid day.
LINDA: Yes. So is there anything you can buy to put on there to get rid of that smell?
LESLIE: I mean there are several things you can do. The OSB – have you put any actual flooring on top of that yet or can you still take that up?
LINDA: No. We were wanting to put laminate on top of it.
LESLIE: OK. So before you do that, pick up the OSB.
LINDA: Right.
LESLIE: And what I would recommend – at this point, because you're dealing with 1-by – now, Tom, they essentially don't need the 1-by, correct? The OSB could go directly on top of those floor joists and get rid of that …
TOM: No. You didn't have to put the 1-by back down again but the problem is you've already covered the problem with OSB. And what Leslie is leading to is that you – what you should have done is primed all of that subfloor with a good oil-based primer, because that would seal in the wood. And so now that you've put the OSB on top of that, I'm afraid even if you were to prime the OSB, the odor will still somehow work its way through.
LESLIE: Right. So I'm thinking pick up the OSB, pull up the 1-by, put the OSB down and just get rid of the 1-by.
TOM: Well, these animals are long gone but their smell has lingered on. And I think that if you take up that old flooring – and I know you tried to probably save a few bucks by putting it back. But if you either prime it or just replace it with the OSB, you'll be much better off for it.
Linda, thanks so much for calling us at 888-MONEY-PIT.
LESLIE: You are tuned to The Money Pit Home Improvement Radio Show on air and online at MoneyPit.com. Now you can call in your home repair or your home improvement question 24 hours a day, 7 days a week at 1-888-MONEY-PIT.
Up next, make sure you keep Uncle Sam in mind when you plan home improvements. We're going to tell you the five most commonly overlooked tax deductions for your home, after this.
TOM: Making good homes better, welcome back to The Money Pit Home Improvement Radio Show. I'm Tom Kraeutler.
LESLIE: And I'm Leslie Segrete.
TOM: Happy Holidays. Give us a call right now at 1-888-MONEY-PIT, 888-666-3974. If you do, you'll get the answer to your home improvement question and an opportunity to win a cool, new product. It's the NewLife Ergo Comfort Rug by GelPro.
These rugs actually combine the look of a designer rug with the comfort of a supportive, therapeutic mat. They're also stain-resistant and they're great for kitchens and bathrooms. You can see them online at GelPro.com.
It's a prize worth 80 bucks. Going to go out to one caller that reaches us with their home improvement question, so pick up the phone and call us at 888-MONEY-PIT.
LESLIE: Joe in Georgia, you've got The Money Pit. How can we help you today with tankless questioning? What's going on?
JOE: Based on the high capital cost and the fact that natural-gas prices seem to be at an all-time low, what is the return on investment or payback period and does the federal government still offer tax credits? Second part of that question, is the annual maintenance contract that the installers offer really needed?
TOM: OK. Well, first of all, the tax credits are less and less today. I believe there are some still: some small tax credits.
I do like tankless water heaters for a number of reasons, though. First of all, they last a lot longer than a standard tanked water heater. Secondly, they're really energy-efficient and you never run out of hot water. Very important to me since I've got two teenagers in my house. If I'm the third one to get in the shower, forget it; it's not going to happen. So I like the fact that they never run out of hot water.
And I think if you compare the cost of tankless against not a standard, inefficient, tank water heater but a high-efficiency tanked water heater, you will find that the difference is not that far apart.
The contractor's service contract? Look, you need to have this thing serviced like anything else. I don't think it needs a big, expensive contract. What it's typically going to need is a yearly service. And so I would have to probably judge that against what this contract covered. If the contract covered all of my gas appliances in the house and I felt like it was reasonable, I might do that only for the reason that we know that these gas appliances need service, because they burn dirty and they eventually have to be cleaned. But I will say that these newer, more efficient ones need a lot less maintenance than the older, inefficient ones ever did.
JOE: OK. I guess what I'm hearing out there on the installers is these are stand-alone service (audio gap) and if you compare that to a traditional hot-water heater, you typically don't see any service required. And I think the capital is maybe 10x difference. I mean it may be $800 for a – maybe 900 for a hot-water heater and you're looking, I think, upwards of $4,000, I should say.
TOM: Yeah, that sounds a little crazy. I'm not seeing that. What I'm seeing is if you bought a high-efficiency tank water heater, it might be 1,500 bucks. And if you bought a tankless water heater, it might be 2 grand or something of that nature. I'm sure you're going to run into contractors that are really driving the prices up and trying to charge you crazy money for service contracts and things like that. You just might not be talking to the right guys, Joe.
JOE: You endorse any particular manufacturer?
TOM: Yeah, there's a bunch of good ones out there. Rinnai makes a good one. Rheem – R-h-e-e-m – makes a good one. I'd take a look at those. We're talking about gas, right?
JOE: Yeah, natural gas.
TOM: Yeah, I would take a look at Rinnai and Rheem.
JOE: OK. Excellent.
TOM: Well, if you're not writing-off home improvements for 2012, you might be throwing away some money. While not every home improvement is deductible, you could be missing some very common tax-saving improvements.
LESLIE: So here are the top-five deductions that homeowners forget. First of all, basically anything that saves you energy could be a deduction: for example, a new, high-efficiency heating or cooling system, new windows, insulation, solar panels and so forth. You can get specifics at EnergyStar.gov.
Also, home offices can be the home of even more deductions. For example, if your home office takes up 10 percent of the space in your house, that's a percentage of expenses that you can deduct from your gas, oil and even your electric bills.
TOM: Now, this next one is a little harder to understand: Uncle Sam defines a home improvement as any expenditure that increases the value of your home or extends its life. But you can't write them off the year you make them. Instead, they go under a capital-improvements category that increases the value of your home over time and they're deductible when you sell your home.
Now, here's a deduction for those of us that have been, unfortunately, in the path of a major storm this year. If you suffered any damage from a natural disaster, the cost of that repair, however, is fully deductible.
LESLIE: Finally, here's one that surprises a lot of people: moving expenses. If you're moving 50 miles away or more for a new job, you can write off the cost of that move. So, keep improving and keep track of those expenses so that you and your accountant can claim them when it comes to tax time.
TOM: 888-666-3974. If you need some help planning your next home improvement project, give us a call right now.
LESLIE: Elaine in Delaware needs some help with a flooring project. What can we do for you?
ELAINE: I'm mainly concerned about the fact that I have some rescue animals and some kids. And every time I try to think of what I can do – when I lift up this rug and put a surface down, I need something durable. And I thought of wood and then I thought of Pergo and everybody says, "No, the dog will scratch it or the kids will scratch it." And then I saw something at a hospital the other day – actually, you know, like an x-ray area, where it takes a lot of traffic?
TOM: Right.
ELAINE: And it looked like a heavy-duty plastic, plasticized type of imitation wood. And I tried to find out where they got it from but it's nothing I can find in going to the local shops, like Lowe's and Home Depot.
TOM: Right. It might have been luxury vinyl, although I doubt that in a hospital. What I think you might want to consider is laminate. Pergo is just one brand of laminate. But remember that there are different finishes on these floors and you want to find one that has a commercial finish.
LESLIE: That will make it the most durable.
TOM: Yeah, really super-durable.
I think the best option here and the one that's most accessible is to think about using laminate flooring. Laminate flooring can look like wood, it could look like tile, it can look like vinyl. And if you get one that has a commercial-grade finish on it, it can clearly stand up to the kids and the dogs.
ELAINE: I appreciate that very much.
TOM: You're welcome, Elaine. Thanks so much for calling us at 888-MONEY-PIT.
LESLIE: Mike in Georgia is on the line with a question about a dimmer. How can we help you?
MIKE: My kitchen is in the center of my house, so I get very little light from the windows.
MIKE: And I tried an LED light. I have five 60-watt cans in there. I had heard you mention about a dimmer that would work with the LEDs? My question is: is there a particular kind? I need one that works with a three-way.
TOM: Yeah. You can go to The Home Depot and you can pick up the Lutron Skylark Contour CžL Dimmer. That's the Lutron Skylark Contour CžL. This is a dimmer that's designed specifically to work with energy-efficient bulbs. It works with CFLs and it works with LEDs. And specifically, it's adjustable so that you can get the lowest level and then the highest level of light. And therefore, when you move the dimmer up and down, it controls that.
Typically, with standard dimmers, you can get a flicker because at some point, you're going to be not putting enough power in to bring that bulb on. So you get this sort of flickering effect?
MIKE: Right.
TOM: But with this Skylark Contour CžL line of dimmers, you can adjust the low end and this way, it'll always be on when you turn the switch on. And then you can bring it up from there.
MIKE: Yeah, I was afraid with five cans in the middle of the house, it would look like Yankee Stadium at nighttime.
TOM: No, actually – I actually have one of these dimmers in my kitchen and I've got five cans on this dimmer, so I have exactly that situation. And I have LEDs in the lights. I have the Philips LEDs in there: the ones that are yellow. And they turn really super-clean white light when you turn them on. And I've got that Skylark dimmer controlling the whole thing. Now, that's not a three-way but I'm sure it will work on a three-way.
And the thing that's cool about Lutron is as you're putting this together, if you have a question, they have an 800 toll-free, tech-support number. You can call them and there's somebody always standing by to kind of answer your wiring questions. If you can't figure out where the extra wire goes, they'll tell you.
MIKE: OK, great. Thanks a lot.
TOM: You're welcome, Mike. Thanks so much for calling us at 888-MONEY-PIT.
LESLIE: Art in Pennsylvania is on the line working on some storm repair. Tell us what happened.
ART: About a month ago, we had a wind storm and it took off three sections of shingles off of the roof. And I was able to retrieve them. They were, ironically, in pretty good shape.
But I remember seeing a program on PBS where they were redoing homes down in Florida, in the section where they get a lot of storms down there. And I think there is a requirement for the way that shingles are to be installed down there and I'm thinking, if I remember it right – and I didn't have a chance to see the whole program. But on mine, when I took mine off, there was only like three nails in each of these shingles there. And I think, if I remember correctly, that down there they were requiring that there be more nails than that used to install shingles.
TOM: Well, Art, your goal now is to replace the shingles that you lost. And did you save the shingles? Were they intact enough to use the actual shingle for the repair? Because this way, the color will match.
ART: Yes. Yes, they were; they were in very good shape, yes.
TOM: Alright. So then what I would do is I'd get back up there and – assuming you can do this safely – and you'll nail the new shingles back in. You want to put nails – you can put them pretty much where the old nails were but of course, not in the same holes because they're going to be broken-through now.
You can't really put too many nails on them. If you want to put an extra nail or two, that's fine. But the key is after you get done nailing all of these down again, what I want you to do is to get an asphalt cement. And you can get it in a caulking tube and put a little dab under the loose end of the shingles so that the tab presses down and reseals. Because when shingles are new, they have an adhesive on the back of the tab that seals it to the shingle below. But when they're torn off, that adhesive is gone. So you put a little dab of asphalt cement in there and that will keep it in place and stop it from sort of lifting up the next time you get a strong wind that comes across. Does that make sense?
ART: OK. Well, I thank you very much. You've been very helpful.
TOM: You're very welcome. Thanks so much for calling us at 888-MONEY-PIT.
This is The Money Pit Home Improvement Radio Show. Up next, have you ever felt your home was perhaps a bit cluttered? Well, we're going to talk to a home builder who says that a single person doesn't need more than 89 square feet to live. And he's turned that into a big business. Learn more, after this.
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TOM: Making good homes better, welcome back to The Money Pit Home Improvement Radio Show on air and online at MoneyPit.com. I'm Tom Kraeutler.
LESLIE: And I'm Leslie Segrete.
TOM: Well, how many of you have complained that your closets, perhaps, just aren't big enough to hold all your stuff? Our guest today would suggest: why do you really need that stuff? He's been living in a home smaller than most people's closets and he apparently likes it.
LESLIE: That's right. Jay Shafer is not only a proponent of living small, he's also the owner of the Tumbleweed Tiny House Company that sells really small homes.
But Jay, you really enjoy living in such a small space, right?
JAY: Yeah, I do. You know, it feels really essential to me. Like when everything around me is necessary to my existence, then life itself feels more essential.
TOM: So, do I understand correctly that you actually live in a house that's 89 square feet? Well, I mean that might be a nice, sizeable apartment in Manhattan but for the rest of us, that's a pretty small space. How do you get by?
JAY: Yeah, it's very small. I actually had lived in an 89-square-foot house for about 10 years before getting married and also purchasing a 500-square-foot palatial house for my wife and two kids just four years ago.
TOM: Wow.
JAY: So, yeah, I've been living small all my life. Well, not all my life but all my adult life and I love it.
TOM: So let's talk about the trend. More and more people are going small. What do you attribute that to?
JAY: Since the bust and the economic downturn, things have really picked up in terms of interest because at this point, not all that many people are interested in – well, the idea of owning more house than you can actually afford is not so popular as it used to be.
LESLIE: And you're a dad of two, so you're a family of four. How big is your home with your family and is it divvied up? Does everybody have their own space? Are you sharing spaces? How do you make it work, because I know with two kids and a spouse, it's tough.
JAY: Yeah, everything changed when I got married because all of a sudden, not everything is up to me as far as space goes. So, we bought a 500-square-foot house. Actually, the smallest we could find in the county – really affordable, too. And moved in and divided it up so that it would accommodate more than it would have otherwise. It came with just one bedroom, so we split that in half and had two bedrooms.
And just making a lot of storage space helps, because now we don't have to look at a lot of stuff lying around. Everything's orderly and that helps. Well, it was orderly before we had babies. If we can keep the toy being down to a minimum, it doesn't seem to be a problem. It's a good space for a family. I certainly wouldn't want to live in my tiny house with all three of those guys, so …
TOM: Now, I understand that these homes – these Tumbleweed homes – are also available in DIY kits. So you can either build it for the customer or you provide them, what, the plans?
JAY: Yeah. I'm actually starting a new company – Four Lights Tiny Houses – that is focused on kits and on plans and on filling finished houses, too. So, people can get them pretty much any way they want. In fact, what I've done lately is I've hollowed out some of them so that if people want to design the interior themselves, there's a – you can buy this kitchen that slides through the door that I designed. Or the bathroom actually slides through the door and the stairways and all that kind of stuff. You can basically just arrange your interior layout to meet your needs.
TOM: Jay Shafer, owner of the Tumbleweed Tiny House Company, well, thanks so much for filling us in on all your little spaces.
JAY: Oh, thanks for this chance, you guys. I really appreciate it.
TOM: If you'd like to check out Jay's houses, take a look at his website at TumbleweedHouses.com. TumbleweedHouses.com. Lots of really cool, neat designs on his site.
Thanks, Jay.
LESLIE: Alright, guys. Coming up, everybody loves snow, right? Well, when it's on a ski slope, you might but not so much when it's on your walkway. We're going to have tips to help ease the snow-shoveling pain, after this.
ANNOUNCER: The Money Pit is brought to you by Stanley Tools, your trusted name in quality hand tools. To learn more about their complete line of quality tools and everything for your tool box, visit StanleyTools.com.
TOM: Making good homes better, welcome back to The Money Pit Home Improvement Radio Show where home solutions live. Happy Holidays. I'm Tom Kraeutler.
LESLIE: And I'm Leslie Segrete. Pick up the phone and give us a call at 888-MONEY-PIT. One lucky caller who makes it on the air with us this hour is going to get a treat for your feet. We are giving away a NewLife Ergo Comfort Rug by GelPro. It's a soft, therapeutic mat that really goes perfectly on any hard flooring you've got at home. It's from their Artisan Series and that comes in some great contemporary designs. They've also got a non-slip bottom, so they're going to stay put.
It's a rug worth about 80 bucks. You can check out all their styles at GelPro.com. And give us a call at 888-MONEY-PIT now for help with your home improvement projects.
LESLIE: Rich in West Virginia, you've got The Money Pit. How can we help you today?
RICH: Hi. I've got a drywall question. My house is only about nine years old but a lot of the seams between the sheets of drywall have – where the tape was – the tape is cracked and it's curled up a little at the edges.
TOM: Yep.
RICH: It's especially bad out in my garage – the unheated garage – on the ceiling pieces but even some in the house. You know, I don't know if – I've heard different things: that they could have put it in when it was cold and it froze before it set or …
TOM: Let me tell you what's going on, Rich. Nine years ago, as they do today, the builders will drywall the garage for one reason and one reason only: because they're required to to maintain the fire separation between the garage and the rest of the house.
But being builders, they only do what they absolutely have to do to get past code. I always tell these guys, "It's like you guys are proud of being – of getting a D, not an F. You want to get a D. Nobody really strives for an A." It's like how would you feel if your kid came home from school and said, "Guess what, Dad? I got a D. Ain't you proud?" The builders just do the absolute minimum.
So in the drywall situation in the garage, that means this: they put on the tape and one coat of spackle. Only one. Where in the house, they put on three because that's the normal thing you do. So they save a few pennies by only putting on one coat of spackle and you're faced with tape that – what a surprise – falls off over the years.
RICH: OK. Yeah.
TOM: So, in this case, Rich, if it's loose and separating, you really can't put spackle on top of that, because it's not going to get between the paper tape and the drywall underneath. I would cut off any loose tape and then I would put another layer of tape on top of that or in lieu of that. And I would use perforated drywall tape, which is very forgiving, especially for somebody who's an amateur spackler, because you don't have to worry about getting the paste underneath the tape. It actually goes through the tape; it's more like a netting.
TOM: And then you do that with three coats and sand it out in between. Take your time; it'll take you a little while to kind of get used to it. But that'll do the trick there. Then prime and paint.
And as for the areas inside the house, it's not at all unusual for a nine-year-old house to get some cracks in the seams or where corners come together or above windows or doors. And you pretty much handle those the same way. If the tape is absolutely loose, you have to take it off and replace it. But if it's just cracking, you can actually put that same type of drywall tape on top of that, three coats of spackle, prime and paint and you're done, OK?
RICH: OK. Sounds good.
TOM: Well, winter snow can be beautiful, that is about until the time you need to get it off your walks and driveways.
Now, snow blowers are always the best bet and if this is the year you are finally ready to get one, we've got a great article on MoneyPit.com called "How to Choose a Snow Blower," that can actually walk you through the steps to determine which type is best for your situation.
LESLIE: Next thing you want to think about is deicers. Now, they're going to melt ice very well but you're going to have the most luck if you put out a thin layer before the ice actually starts to form. Now, the best type to keep your concrete sidewalks and driveways from falling apart is potassium chloride, not sodium chloride.
Potassium chloride is a less hazardous type of deicer that's safe for your pets and your wood floors because, remember, friends and family are going to come into your house, they're going to forget to wipe their feet and it's going to ruin your floors. But this one, potassium chloride, will not. And it also won't cause concrete or your sidewalks to get that pitted sort of deteriorated look.
TOM: Now, you can't forget good, old-fashioned shoveling. It's not a lot of fun but of course, it does work. So you might want to stretch before you do it. Also, move the snow the shortest distance possible.
And the old adage is true: lift with your legs and not with your back. And when that snow is finally clear, you can relax. At least, that is, I guess, until the next snowfall comes.
LESLIE: Now we've got Larry in Illinois on the line who needs help with a cleaning question. Tell us what you're working on.
LARRY: Yes. Working on some floors that I refinished but I even washed the floor down, after I sanded them originally, with mineral spirits. And then I stained them and put two coats of stain on them – I believe it was at least two coats – and then put clear poly on the top of it like that. Three coats of it and sanded in between. Now I'm getting kind of a white haze coming up like that. And I don't know if it's from the original wood or what; I was just curious. Can I just sand that area down and will it blend into the rest of the floor, without having to redo the whole floor?
TOM: Well, you might be able to but I want to make sure it's really super-dry before I tell you to do that. How many days has it been sitting around now?
LARRY: Oh, it's been about four years. Three or four years.
TOM: Oh, well, I guess it's dry.
LARRY: Yeah.
LESLIE: It's cured.
TOM: Yeah.
LARRY: Yeah.
TOM: Here's the way to do this. Instead of sanding it, what you can do is buff it with a sanding screen. You could head out to a rental-supply house and pick up a floor buffer and a sanding screen.
TOM: So, the sanding screen kind of looks like window-screen material but it's a very fine abrasive.
LARRY: Yeah, uh-huh. Yeah, yeah, yeah, yeah, yeah. I've used that before.
TOM: OK. So you know what I'm talking about. So that just takes off the upper surface of the floor itself; it doesn't really dig in and damage the wood.
TOM: It won't cause you to have to restain or touch-up anything. And I would try using that machine and then buffing out the whole surface with that. And then you can use a damp mop and very carefully lift up and vacuum up all of the dust.
And if you want – when that's done, since you have all the furniture out of the room – you could maybe put one fresh coat of urethane on it. And that should restore the surface.
LARRY: Now, can I use 220 DA sander? That's what I've used in between the coats like that if they recommend.
TOM: Yeah. You could do that, as well. It's just I think that the floor buffer is not an expensive piece of equipment to rent and a very easy way to do a large area. Get down there with a floor sander, even if it's a half-sheet sander, that's important to have to get into the nooks and the crannies in the corners. But the floor buffer with a sanding screen is just a real easy tool to use once you get it picked up and back to the house.
LARRY: OK. Thank you.
LESLIE: Anna in Florida, you've got The Money Pit. How can we help you today?
ANNA: Well, I have a problem with a painted banister. We have a white staircase – white banister – painted and after a while, we've been cleaning it and it gets a lot of dirt into the paint and the paint has become sticky. I need to know what to maybe seal it with or some suggestion.
TOM: Well, at this point, if you've gotten kind of a sticky mess on your hands, there is no sealing. You're going to have to go back to the …
LESLIE: Yeah, you've worn through the finish.
TOM: Right. You're going to have to go back to the raw wood and get as much of that old paint off as possible. So I would use a paint stripper first. There's a pretty good product called Rock Miracle that we like, that does a good job. Get as much of that paint off as you possibly can, then use a good-quality primer – oil-based is best – and go up from there. There's nothing at this point – if you've got a goopy, sticky, yucky surface – that you should put on top of that. It's only going to make the matters worse, Anna.
ANNA: It's not (audio gap), it's more just sticky and it gets grime into it. It's the only thing I can tell you.
TOM: Yeah. Right. And …
ANNA: I was hoping I could maybe save it but it's an awful lot of stripping.
TOM: Yeah, I understand that. But the problem is that anything you put on top of that is just going to make it worse right now. When the paint gets to be that – in that kind of condition, you've got to really start taking off some layers. I mean you may not have to go down to raw wood but you've certainly got to get off the upper couple of layers and go from there.
ANNA: Oh, OK. Alright. Well, was hoping you had a magic but …
TOM: Sometimes we do but not always. Sometimes, the only magic is the hard elbow grease that has to go into a project.
ANNA: OK. And what kind of paint would you suggest? An oil-base, I know that.
TOM: Well, for priming, yeah. Just an oil-based primer. At least you get better adhesion with it.
LESLIE: And then it's better to use a glossy finish, because anything with a glossy finish has more layers of that finish in it to achieve that high gloss or a semi-gloss. And then it's more cleanable or easily wipeable.
ANNA: OK. Alright. Thanks so much.
TOM: You are tuned to The Money Pit Home Improvement Radio Show on air and online at MoneyPit.com. Up next, if you think that you have the cleanest house on the block and as such, you don't need to worry about mold, well, you are wrong. Mold grows in the cleanest of homes and we'll tell you where to look, after this.
ANNOUNCER: The Money Pit is brought to you by TotalProtect Home Warranty. Get total protection against unexpected home repair or replacement costs. Choose from a full line of plans as low as 19.95 a month. For a free quote and to find out if you qualify for a $25 gift card with purchase, call 800-737-1010. That's 800-737-1010.
TOM: Making good homes better, you are tuned to The Money Pit Home Improvement Radio Show. I'm Tom Kraeutler.
LESLIE: And I'm Leslie Segrete.
TOM: Hey, do you want the look of a new kitchen but don't have the budget for it? We've got some ideas to give new life to the busiest room in your house. Just go to MoneyPit.com and search "kitchen remodeling and décor on a budget." You'll get low-cost ways to keep up with the trends.
And while you're there, pop on over to the Community section and join the discussion, just like James from Illinois did.
LESLIE: Alright. And James writes: "I'm new to my condo and wondered if you had any suggestions on reducing noise. The neighbors below me play music and it's coming through the floor. I'm putting a new floor in anyway. Is there something I can do to muffle the sound?"
TOM: You know, sound deadening is a pretty comprehensive project because to do it right, you really have to start before the floor goes down. There are so many nooks and crannies where sound will get through.
That said, you may be able to somewhat reduce the floor by installing what's called a "sound-deadening floor underlayment." This is either a board or a mat. There's also versions that are cork that would go underneath whatever that new floor is going to be, if it's carpet or if it's hardwood or engineered hardwood or even laminate. It's a layer that goes down first and the new floor goes on top of that and it's designed to absorb sound. But just don't expect miracles. If you've got a really loud neighbor downstairs, you're still going to get some sound through but it might be a lot less.
LESLIE: Alright. Next up, Dale in West Virginia writes: "My basement is very dark. It's so dark at night that I can't see the light switch. I'm worried about my mother going downstairs. Do you have a solution that wouldn't involve major rewiring?"
TOM: Oh, sure. There's a number of things that you can do. First of all, if you can't see a light switch, you can change the type of light switch to one that has – that's illuminated. They have light switches that have – that are illuminated like night lights, so the switch actually glows when the switch is in the off position. Makes it easy to always see it.
But a more practical solution might be for you to simply install a motion detector. So every time someone opens the door to the basement or moves in that direction, the detector will sense that and bring the lights on. It's a very easy thing to do. It's actually a perfect scenario for something like a Lutron Maestro Occupancy Sensor, which is really state-of-the-art and can really handle that particular situation.
LESLIE: And you know what, Dale? These occupancy sensors, they really have come a long way. They're super-efficient and I think what's awesome about them is that if you've got your hands full, you don't have to worry about grabbing for a switch. And in a situation where your mom might be coming down the stairs and can't find the switch, that light is going to know she's on her way, turn everything on, so you guys will all have peace of mind. And it really is an easy fix.
TOM: Well, if you don't pay much mind to stories about mold because you figure, "Hey, I keep a super-clean house," it's time to listen up. Mold is not limited to messy homes, as Leslie explains, in today's edition of Leslie's Last Word.
LESLIE: That's right. Even if you're OCD about your cleanliness, mold has got a sneaky way of finding little pockets where those growing conditions are ideal. Your chimney is one of those places. Mold loves the moisture that collects in the nooks and crannies of the chimney. Now, a professional cleaning is going to take care of that.
Also, light fixtures. Mold can grow in the insulation that surrounds your recessed lighting. And the grossest of all places for mold? Your refrigerator. Everybody, at some point, has had some leftovers that really turned into a science experiment. And you know it's something you leave in the back of your fridge and then you find it and you're like, "Aughh!" Now, those little spores can actually spread into the nooks and crannies of your fridge and voilà, mold infestation.
I blogged about this on MoneyPit.com, so you can check it out. And there's a whole bunch of other places that mold likes to lurk, so check it out today and get investigating.
TOM: This is The Money Pit Home Improvement Radio Show. Coming up next week, are you planning out your projects for 2013? Well, you want to make sure you take into consideration the top-five remodels that pay off. We're going to get the lowdown from This Old House host Kevin O'Connor, on the next edition of The Money Pit.
Happy New Year. I'm Tom Kraeutler.
LESLIE: And I'm Leslie Segrete.
TOM: Remember, you can do it yourself …
LESLIE: But you don't have to do it alone.
(Copyright 2012 Squeaky Door Productions, Inc. No portion of this transcript or audio file may be reproduced in any format without the express written permission of Squeaky Door Productions, Inc.)


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Red Red Meat
"They took the stuff of the earth—-rootsy music, based in blues and folk and classic rock interpretations of same—-and smashed it with technology."—-Pitchfork
Chicago's Red Red Meat released three albums on Sub Pop in the middle 1990s (and a self-titled album before that on their own Perishable Records). The band called it quits in 1997, its principals heading off in their own, frequently inter-related directions. Singer/guitarist/primary songwriter Tim Rutili and percussionist Ben Massarella formed Califone, bassist Tim Hurley formed Sin Ropas, and drummer/producer Brian Deck went on to become a full-time music producer, working with bands including Modest Mouse, Iron & Wine, Califone, and the Fruit Bats.
"In the '90s Red Red Meat was poised for world domination with a distinctively acid-stained, unhurried take on blues/roots music—-snazzily produced for record by its drummer, Brian Deck. But even with a cohesive and accessible album like 1995's Bunny Gets Paid, RRM remained a cult act during the postgrunge heyday."—-Time Out Chicago (Jul. 2008)
Red Red Meat's third full-length record, 1995's Bunny Gets Paid has been out of print and unavailable for the past several years. In a recent reassessment of Red Red Meat's catalog on Pitchfork, Managing Editor Mark Richardson commented, "Having lived with these records for a decade plus now, I can say with confidence that this is Red Red Meat's best by far. It's one of the best pure rock records of the 1990s, actually, though it's not exactly pure."
In this deluxe edition, the original album has been re-mastered by Red Red Meat's own Brian Deck and is accompanied by a 7-song 2nd disc of alternate, demo and single versions of album tracks, plus b-sides, covers and a previously unreleased song from the same era ("St. Anthony's Jawbone"), all put together by the band. And it's all packaged with expanded and enhanced album art.
"Red Red Meat is how sounds turn into songs. Feed a contact mic to a cat in heat, run it through a broke death metal pedal, into a torn speaker inside the floor tom. Sing to yourself, one word at a time. This music brings me great peace. Thank you." —Bry Webb (Constantines)
"Hearing Bunny Gets Paid in '95 for the first time, it all felt so very familiar, long lost third cousins finding out they've been dating for a year. Sound percolating out of the speakers, some determined ectoplasm of a melody starting the inevitable mutation, I was hooked on that record for ages. I loved the way it sounded, the very feel of it, a broken heart that would never heal. Every time I put it on, I just went under, like getting pulled out to sea by the tide. Forces at work so far beyond you all you can do is let go." –-Thom Monahan (Pernice Brothers)
"All I can think to tell you without sounding like a ponce is that Bunny Gets Paid sold a lot of weed to me." —Isaac Brock (Modest Mouse)
Bunny Gets Paid is easily one of the high points in the entire Sub Pop catalog (which is no one's idea of "pure" either…), and we're exceedingly proud to present it in this new version. Red Red Meat will be reuniting for shows in Chicago and at the South by Southwest Music Conference in Austin, TX this March.
Red Red Meat full-length discography:
Red Red Meat (Perishable Records, 1992)
Jimmywine Majestic (Sub Pop Records, 1994)
Bunny Gets Paid (Sub Pop Records, 1995)
There's a Star Above the Manger Tonight (Sub Pop Records, 1997)
Red Red Meat:
Brian Deck—drums, piano, vocals, knobs, switches and gear
Tim Hurley—bass, guitar, vocals, piano
Ben Massarella—batterie
Tim Rutili—guitar, vocals, piano, violin
Featured Videos
Featured Music
- Rosewood, Wax, Voltz + Glitter Rosewood, Wax, Voltz + Glitter
- Gauze Gauze

subset: commoncrawl


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Ghana Integrated ANC Project
The overarching goal of the proposed project is to reduce morbidity and mortality attributable to infections in newborns by improving diagnosis and management of maternal infections during ANC. To achieve this, GHS and PATH will partner to optimize and integrate screening and treatment for infectious diseases such as Hepatitis B, UTIs, GBS, and STIs—including syphilis, HIV, chlamydia, and gonorrhea—into routine ANC services. The project will be implemented at primary healthcare level in five districts of the Bono East Region over a 24- month period. The project will focus on the delivery of evidence-based infection prevention and management interventions through community-based and first level healthcare providers. It will expand provider capacity in diagnosis and management of maternal infections, improve availability of such services through ANC, and strengthen linkages between primary and referral facilities.


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Trimble has released an update to Tekla Structures 2020, is much more than design and detailing software: it is the most accurate and comprehensive 3D building information modeling (BIM) tool in the market that streamlines the workflow from sales, bidding, cost estimation and conceptual design to detailing, manufacture and erection. This release arrives with improvements and fixes – be it drawings, collaboration, or modeling complex geometries or reinforcement.
Compatibility This version is not backwards compatible. When you create or save a model in Tekla Structures 2020, you cannot open it in older versions due to database differences.About Tekla Structures 2020 This version includes improvements and fixes for example in drawings, collaboration and modeling complex geometries or reinforcement. As a practical example of what the new version has to offer is modeling structures like spiral shaped stairs, which can become quick and easy with the new Spiral Beam. Working with steel bent plates is now easier, while Precast Concrete Floor and Wall Layout and the flexible, intelligent Tekla method for modeling and modifying reinforcement have been improved. Creating more complete drawings becomes faster, and DWG export functionality is more efficient.
In addition, there are new tools on top of Trimble's collaboration platform, Trimble Connect, for model and cloud-based supply chain management between Tekla Structures and Trimble Connect.
Tekla Software by Trimble. Trimble produces Tekla software solutions for advanced BIM and structural engineering workflow within the Trimble Buildings portfolio. Trimble's construction solutions range from total stations to advanced software, giving the industry tools to transform planning, design, construction and operation of buildings. Tekla software is at the heart of the design and construction workflow, building on the free flow of information, truly constructible models and collaboration.
About Trimble Buildings. Trimble Buildings, a part of Trimble's engineering and construction segment, is focused on solutions that optimize the complete design-build-operate (DBO) lifecycle of buildings. Trimble is dedicated to transforming the industry—increasing productivity, reducing waste and optimizing schedules, budgets and real estate portfolios—with powerful solutions that streamline communication and collaboration. These targeted solutions enable architects, engineers, contractors, owners, and occupiers to realize greater agility, efficiency and insight. Used in over 150 countries around the world, Trimble Buildings' solutions are transforming the way the world designs, builds and operates infrastructure and buildings.
About Trimble. Trimble is transforming the way the world works by delivering products and services that connect the physical and digital worlds. Core technologies in positioning, modelling, connectivity and data analytics enable customers to improve productivity, quality, safety and sustainability. From purpose built products to enterprise lifecycle solutions, Trimble software, hardware and services are transforming a broad range of industries such as agriculture, construction, geospatial and transportation and logistics.
Download Links:-


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It's Spring – Ready, Set, Ride!
Now that the weather has finally warmed up, horse owners are starting to spend more time with their horses, and are looking forward to even more enjoyable riding weather. There are some nutritional concerns, however, during this season, and some management issues we should address to ensure the health and performance of our horses.
First, as we start working our horses more, we must increase the plane of nutrition to ensure that the horse's increased requirements are met. Energy is possibly the most important nutrient to consider in a working horse. As a horse works harder, its energy (calorie) requirement increases, and we must supply those additional calories in a form that will not compromise the horse's digestive health. We can add more calories by increasing the amount of grain in the ration, but grain is high in starch, and too much starch (and other soluble carbohydrates) may lead to digestive disturbances such as colic and/or laminitis. Safer energy sources include fat and fermentable fibers.
Feeds such as Purina's Ultium® Competition, Strategy® Professional Formula GX, and Omolene #500® Horse Feed are higher in fat and fermentable fibers, and lower in starch than traditional sweet feeds, therefore are excellent feeds to increase the calories in a working horse's diet. Omolene #200® Horse Feed is another excellent feed for these situations, as more of the calories are supplied by fat, and less by starch. These performance feeds also contain the amino acids, vitamins and minerals to support the increased demands of the performance horse. Keep in mind that all feeding changes must be made gradually, so it is important to gradually increase the amount of feed as the horse's work load increases.
If you are not planning to ride your horse hard, however, or your horse is naturally an easy keeper, a concentrated feed such as Nature's Essentials® Enrich 32® Supplement may be the best way to meet the horse's nutritional needs without adding many calories. If your horse stays in good body condition (not too fat or too thin) on just hay or pasture, feeding one to two pounds of Nature's Essentials® Enrich 32® or Enrich 12® Supplement will provide the protein, vitamins and minerals that the horse needs to stay healthy.
Next, we need to keep in mind that the forage portion of the horse's diet may be changing, and we must be aware that some of these changes may be problematic for some horses. For some horses, the advent of spring means that the source of forage changes from hay to fresh grass. If this is the case, the horse owner should take care to minimize the risk of laminitis as horses are exposed to fresh pastures.
Why can fresh grass cause laminitis in horses? During the process of photosynthesis, plants manufacture sugars that are either used for metabolic processes such as growth, or are stored as polysaccharides such as starch or fructan. The storage form of the sugars depends on the plant species. In certain situations, such as the warm sunny days and chilly nights that we see in the spring and the fall, the plants use fewer sugars for growth, and therefore store more as polysaccharides. This can cause problems for horses, especially when the sugars are stored as fructan, because fructan does not appear to be digested in the horse's upper gut (where starch is digested and absorbed), but instead passes into the hindgut where it is fermented by the microbes. It is this fermentation of fructan that appears to be a trigger factor for colic and/or laminitis, similar to a grain overload in horses. The fermentation of fiber carbohydrates in the hindgut is normal, and does not cause digestive disorders in the horse.
Other environmental conditions that can affect the amount of polysaccharide storage in plants include drought stress, duration and intensity of sunlight, salinity (salt content) of soil, and overall health of the plant. Again, some species of grass, including cool season grasses, tend to store sugars as fructan, while others, the warm season grasses, tend to store sugars as starch and are less likely to cause problems.
How then do we manage pastures to minimize the risk of laminitis? Horses that are kept on pasture year-round usually adjust to the new grass as it grows. Nature does a fairly good job of making the pasture change gradually. The problems usually occur when horses have been confined and fed a hay and grain diet during the winter, and are then abruptly turned out on the lush green pasture in the spring. Further, horses that have been kept up through the winter may overeat when turned out because of the palatability of the lush green foliage. This sudden change in the diet, especially when it includes a rapid influx of the unfamiliar fructan into the hindgut, may trigger digestive upset.
There are several ways to prevent or minimize problems when introducing horses to spring pastures. Feeding hay immediately before turn-out may help keep horses from overeating, since they are less likely to overeat on an already full stomach. Restricting grazing time will also help minimize risks. A suggested schedule is: thirty minutes of grazing once or twice a day on the first day of grazing; then increase grazing time by 5-10 minutes per day until the horses are grazing 4-6 hours per day total. At this point, they have adapted to the green grass.
One final consideration when getting back into the saddle is the condition of the horse. On that first warm sunny day, it is very tempting to head out to the barn for a nice, long trail ride to enjoy the great weather. However, if you have not been riding your horse regularly through the winter, your horse is not conditioned for that type of physical activity (and possibly neither are you!). To prevent muscle soreness, and possibly "tying-up", horses should be gradually reintroduced to work. Start with slow, easy work and short workouts, and gradually increase the intensity and duration of the workouts until your horse is adequately conditioned. This will help decrease the risk of problems and injuries in your horse. It may take up to 90 days to get a horse properly conditioned for strenuous physical workouts.
Once your horse's nutritional and management considerations are addressed, and your horse is adequately conditioned for the desired workload, you are ready to head out and enjoy the season!
Source: By Dr. Katie Young, Consulting Equine Nutritionist, Purina Mills, LLC


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Get the best Crane Truck Hire Lugarno Wide
We specialize in crane truck hiring around Lugarno.
It might be challenging to choose the best crane truck hiring in Lugarno 2210. That is why we are here.
Our team will be happy to help you find the perfect crane for your project. We're here to make life easier for you, so call us today with any questions!
Do you need to transport something large? You're in good hands with Leading Transport Lugarno. Our firm offers a comprehensive range of services for all of your lift and shift needs, and we provide emergency service in metropolitan regions 24 hours a day, seven days a week – we can do it anywhere! We will not disappoint you in any manner, thanks to our best price guarantee, which tops any competitor's prices.
Leading Transport Lugarno has a team of professionals on hand and ready to ensure that the task is completed on time, every time!
Hiab Truck Hire Lugarno
Hiab truck hiring Lugarno-wide is something we know a lot about.
It might be challenging to choose the proper Hiab truck hiring in Lugarno. That is why we are here.
Our team will be happy to help you find the perfect crane for your project. We're here to make life easier for you, so call us today with any questions!
About Lugarno
Lugarno is a suburb in the St George area of southern Sydney, in the state of New South Wales, Australia. It is located in the local government area of the Georges River Council, 23 kilometres south of the Sydney central business district.
Situated on the northern bank of the Georges River, Lugarno is known for its large areas of bushland. Peakhurst and Peakhurst Heights, to the north, are the only adjoining suburbs. Nearby suburbs include Alfords Point, Illawong (on the other side of the Georges River), Padstow Heights (on the other side of Salt Pan Creek) and Oatley (on the other side of Lime Kiln Bay).
Frequently Asked Questions
Yes, we are fully licensed and we all have the necessary permits to operate heavy equipments and transport heavy loads.
We cover Sydney wide areas and we can arrange service for some areas outside Sydney.
For the purpose of assigning the appropriate vehicle for your assignment, our team will want some very basic information from you. The size of the load, the projected weight of the load, and the crane truck's accessibility to the load at pick-up and delivery are the three primary things to consider. This information aids us in providing you with a service that is efficient, timely, and cost-effective.
In a nutshell, all that the crane trucks can handle. No load is too difficult for Sherriffs operators to handle, and they've polished their abilities on anything from building materials to sculptures, trees, boats, sheds, light towers, and more, all of which are featured on our services page.
The reaches, lifting capacity, and location of our cranes on our vehicles are all documented on our equipment page. This will give you a brief sense of how we can help you with your needs, but we are always pleased to talk more in depth.
Again, this information on our crane trucks' lifting and carrying capacities may be found on our equipment website for convenient reference.
Leading Transport Sydneyhas been in business in Sydney for many years and is well-known in the city. Our equipment is frequently checked to ensure that we are providing the finest level of service to our consumers, with safety being our first priority.
Simply phone us at 0420 20 20 71 any time, day or night, seven days a week! Our team is always available to take your call, review your requirements, and arrange a reservation for you.
By calling our helpful team at Leading Transport Sydney, you may get a free quote for the service.
We have the greatest crane trucks to meet your demands; our cranes can stretch up to 30 meters in length, making it simpler to hoist things out of even the tightest of spaces.


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Railway board has issued RBE 81-2018 vide letter No.E(NG)II/84/RC-1/174 dated 07 .06.2018 for Appointment on compassionate grounds- Suitability Test- regarding .
Details of Railway Board Esstt. Circular (RBE 81-2018)
Sub: Appointment on compassionate grounds- Suitability Test- regarding .
Attention is invited to this Ministry's letter No.E(NG)II/84/RC-1/174 dated 25.06.1985, No. E(NG)ll/88/RC-1/1/Policy dated 02.11.1989 read with para 2(i) of letter No. E(NG)Il/88/RC- 111/Policy dated 16.05.1991, stipulating inter-alia, that suitability of a person to be considered for appointment on compassionate grounds should be assessed by an appropriate suitability test, keeping the compassion in view. Board's letter dated 25.06.1985 has laid down that such appointment be considered as per the educational qualification possessed by the candidate.
2. As regards number of chances, this Ministry's letter dated 28.04.1999 (RBE No. 84/1999), 21.09.2001(RBE No. 192/2001) and dated 02.03.2012 ( RBE No. 28/2012), specify the number of chances to be given to a candidate (wards as well as widow/wife), for appearing in the suitability test for appointment on compassionate grounds to Non-Gazetted posts on the Railways. Accordingly, at present, there are three (03) and four (04) chances available for wards and widow/wife respectively. 3. It has come to the notice that not only the procedure adopted for conducting suitability test and additional chances to be given to candidates for appointment on compassionate grounds by the
Zonal Railways vary from the instructions issued at paras I and 2 above, but the directives/intent of stipulation made in the instruction ibid are also not being followed in true spirit.
4. Accordingly, the matter has been looked into. It has now been decided by the Board that in compliance of letters mentioned at para 2 above, maximum of three such chances to the wards and four chances may be given to widow/wife commensurate with their educational qualification to the post and suitability may be adjudged accordingly. Second chance should be given as a rule and uniformally followed.
5. It is also reiterated that 2nd chance to wards and widow should be given with the approval of competent authority (DRMs/HODs/CWMs as the case may be). However, 3rd chance to ward/widow/wife and 41h chance to widow/wife will require personal approval of the General Manager.
6. In case a request has been received from the candidate for appointment on other Railway, his/her case may be transferred eylongwith all relevant papers to that Railway. Assessment of suitability may be done by the Railway where the candidate is to be appointed.
Copy of Railway Board Esstt. Orders RBE 81-2018 is attached here:


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Whether you are running, cycling or just hitting the gym, nekFIT™ locates your iPod Nano and Shuffle comfortably behind the neck eliminating tangled wires. Offering complete mobility, nekFIT makes it simple to change music and volume with faster-feel tactile buttons on the click wheel. nekFIT frees you to listen to your music anywhere doing anything.
nekFIT was ergonomically designed to be loose and sit comfortably on your shoulders. The choice of three sized flexible iPod clips let you find the most comfortable feel and resting the iPod "down" on the shoulders creates the perfect fit.
For centuries, the shoulder muscle which covers the back of the neck down your spine has been the preferred carrying location on the body for everything from water buckets to student backpacks. Imagine how light a "1 ½ ounce" iPod Nano feels sitting on one of the body's strongest muscles.


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The Night Stalker, 1972
Welcome back to another all new edition of Saturday Night Movie Sleepovers! To celebrate the return of The X-Files to the small screen, J. Blake and Dion Baia decided to go back and cover a film and character that is very close to both their hearts, which has been also cited by Mulder and Scully creator Chris Carter as a direct inspiration for his show. If you haven't already guessed, this week the fellas are talking about the ground-breaking TV movie The Night Stalker, from 1972 starring the great Darren McGavin as the iconic Carl Kolchak.
The boys setup the podcast by giving a little backstory about the 'TV movie" or as it was called, the "Movie of the Week", adding some context on how popular the format was and continues to be; and the astounding precedent The Night Stalker achieved by becoming the highest viewed TV film up until that time. Dion and Blake discuss all things Kolchak and shamelessly gush about their love for Darren McGavin and the amazing character he helped bring to the screen. They also explain the story about how an unpublished manuscript by Jeff Rice was taken and adapted by legendary writer Richard Matheson and turned into the highest rated tv movie up until January 11th, 1972. So, what was it about this story that was so popular for audiences? How does the film hold up more than 44 years later? What occured that made McGavin become so disenchanted with the 1974 TV series, which eventually got cancelled after only one season? What has become the legacy of Kolchak the Night Stalker? And what was the flub during the podcast that practically stopped the recording in it's tracks, and turned the lads into two laughing school girls? Well all those juicy questions will be answered on this awesome and exciting all new episode of Saturday Night Movie Sleepovers!
EXCLUSIVE: Straight out of the SNMS Archive, check out this original art by Douglas Klauba for the C. J. Henderson Kolchak novel, The Lost City. Here is the finished product, as it looks with it's titles.
EXCLUSIVE: Another work of art right out of the SNMS Archive, take a look at this original comic book page #38 from issue #2 of the 2002 run of the Kolchak comic book series, entitled Get of Belial. Here is the finished page as it looked.
Podcast: Play in new window | Download
Subscribe: Apple Podcasts | RSS


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Shelter Scotland: we're still fighting, 50 years later
And it's 76 years since Sir William Beveridge's Report first aimed to tackle housing conditions in pre-war Britain.
Sadly, neither the charity nor the report managed to eradicate the squalor and poverty which is still as prevalent today as it was all those years ago.
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Hide AdWhich is why Shelter, despite many successes in the last half century, is not looking on its milestone birthday as a cause for celebration – but rather a call to action.
The charity is planning a year-long series of events and promotional activities from now until next March, under the banner We're Still Fighting.
Graeme Brown, Shelter Scotland director, said: "While good progress has been made, unfortunately, homelessness and bad housing still blights the lives of many thousands of people in Scotland – robbing them of their health, security and a fair chance in life.
"That's why we are not celebrating our 50th; we shouldn't really exist and there's still so much more that needs to be done.
Hide AdAdvertisement
Hide Ad"From people sleeping rough and dying on our streets to the 6581 children without a home and from the 28,247 homelessness applications last year to the 46 per cent of calls to our free national helpline coming from the private rented sector, bad housing and homelessness in Scotland is still far from fixed.
"In our 50th year, through a series of events and activities, we aim to re-engage people across Scotland with our core messages and motivate them to join our fight to campaign until there's a home for everyone."
The charity has two main missions – to solve the problems people face today and try to find solutions for the problems they may face tomorrow.
There can be little doubt those aims have, in part, been met in the last 50 years.
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Hide AdIn 1977, the charity's campaigning helped to get the Homeless People Act implemented, which placed duties on councils to assist homeless families.
Shelter launched the Rural Housing Initiative in 1985 which targeted homes that were lying empty. The initiative helped set up a new breed of community-based rural housing associations.
Two years later, it launched eight care and repair projects in Scotland that helped older people who needed house adaptions to stay at home.
In 1998, the charity's national helpline opened, answering 40,000 calls in its first year.
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Hide AdAt Shelter Scotland's recommendation, the Government set up the Homelessness Task Force.
By 2002, it had set out the most ambitious programme of action on homelessness ever seen. A year later, after the introduction of the Homelessness (Scotland) Act 2003, the Government limited the use of B&Bs for families waiting for a permanent home.
In 2011, after years of campaigning, the Tenancy Deposit Scheme came into force which, to this day, ensures 11 million tenants' deposits are protected.
When the bedroom tax was introduded in 2013, Shelter Scotland successfully campaigned for the government to protect the most vunerable from the changes.
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Hide AdAnd 2016 proved one of the charity's most successful – the Scottish Government removed the Right to Buy and committed to build 50,000 new affordable homes by 2021 – both campaigns being led by Shelter Scotland.
It's an impressive track record but Graeme stressed that the charity's work is far from finished.
He explained: "Every 18 minutes, someone becomes homeless in Scotland.
"There are 10,500 households in temporary accommodation, living in limbo for months on end.
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Hide Ad"And there's a massive backlog, some 160,000 people, sitting on council house waiting lists.
"Right to Buy saw almost half a million homes taken out of the public housing stock in Scotland.
"So while we have had successes, there are still fundamental problems with our housing system – there's still work to be done.
"People have lost the plot a wee bit; they're obsessed with house prices and making a fast buck and are in real danger of missing the bigger picture. We want to remind them of that."
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Hide AdAnd pictures will be used to do just that, thanks to a unique initiative with the Glasgow School of Art.
From 1969 to 1972, Nick Hedges was employed by Shelter to document abject living conditions in poor quality housing in the UK.
Now, Glasgow School of Art students have been tasked to do likewise.
Graeme added: "We asked the students to do their own take on housing and homelessness today.
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Hide Ad"These pictures will be shown in Edinburgh, Glasgow, Dundee and Aberdeen later this year to serve as a reminder to people that we have not solved the national housing crisis."
For more details, visit https://scotland.shelter.org.uk or, if you need urgent housing advice, call Shelter Scotland's helpline on 0808 800 4444 from 9am to 5pm on week days. Calls are free from landlines and main mobile networks.


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There was a time when the American office could be defined as simply a building that housed bosses and workers for eight hours, five days a week. Offices were often defined by what was being produced, rather than who was doing the producing and how. The postindustrial age shifted the workplace's emphasis from production and marketing of goods to information management. In particular, offices of the 1980s abandoned functionality and demonstrated excesses in the corporate "lifestyle"--where a glossy image superseded process and more was better.
Perhaps as a result of the free-spending 1980s, offices nationwide have now begun to streamline, or downsize, operations in order to remain competitive in the crowded global marketplace. Thus, the American workplace has entered the information age as a leaner and more efficient space in which to manage the vast quantities of information demanded by the global economy.
Office technology has driven much of the innovation in communications, working styles, and even in the value placed on certain skill sets. Geography is no longer a barrier to doing business; nor are business travelers cut off from the communications infrastructure that supports their work.
Function has now given meaning to form, as teamwork has replaced the traditional hierarchical corporate structure and physical boundaries no longer exist between workers and their managers. Yet ironically, corporate America's embrace of technologies such as e mail and voice mail belies the notion that colleagues should have more contact with each other and with their customers.
It is difficult to predict the office landscape of the 21st century. Trends point to smaller and faster office machines that will be capable of carrying out more complex functions with minimal human input. Geographical boundaries will likely shrink to the point that place and time become irrelevant in the business community. Fewer workers may eventually staff even smaller workspaces. Perhaps many of those displaced will find that commuting "to the office" is not the most productive use of their time, and opt instead for working at home...returning to the work patterns of days once considered long gone.
Introduction || Birth and
Growth of the American Office || Office
Office Organization ||
Global Office || Conclusion
Historical Timeline ||
Lesson Plans || Resources
|| Site Contents
Home (text) ||
Home (graphics)
Contact firstname.lastname@example.com with any questions or comments
Smithsonian Institution Copyright 1998


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In John Piper's book, The Future of Justification: A Response to N. T. Wright (Crossway, 2007), he worries that N. T. Wright's understanding of justification diverges from the Reformation tradition. He especially fears that Wright's teaching on justification minimizes individual salvation, rejects the imputation of righteousness to the believer, and redefines God's righteousness as God's "covenant faithfulness." Piper also expresses concern over using extrabiblical first-century sources to help construct biblical theology because those sources may be misunderstood or may disagree with one another. Instead, Piper would prefer to remain loyal to the conclusions of Luther and Calvin. N. T. Wright believes that John Piper and others have misunderstood him. Justification is his response to Piper. Although Wright concedes that his conclusions may differ in some respects from those of Luther and Calvin, he contends that his method of studying the text in its original context follows the methods of the reformers. Wright sees himself as continuing in the tradition of Luther and Calvin, even if he might disagree with them on certain theological points, such as imputed righteousness. He seeks to clarify his method with this book.
In the first part of the book, Wright frames the debate over his understanding of justification while responding directly to his critics, especially Piper. Wright maintains that most understandings of justification in Paul ignore thematic elements such as Israel's covenants, law-court imagery, eschatology, exile, Messiah, and the role of the Holy Spirit. Without these elements, the doctrine of justification has become too individualistic and divorced from its first-century context. Wright argues for an understanding of justification as a legal acquittal of the believer by God, a view compatible with that of many evangelicals. This acquittal demonstrates God's faithfulness to His promises to Abraham and his descendants. It is through the covenants to Israel, and specifically their fulfillment in the Jewish Messiah, that God puts the universe right, which is Pauline justification, according to Wright. Wright believes that this definition fits within the full scope of its literary context in Paul's letters and its historical context in first-century Judaism.
In the second part of the book, Wright articulates his views on several relevant passages throughout Galatians, Philippians, Corinthians, Ephesians, and Romans. He builds here on his observation from the previous section that a coherent understanding of Pauline justification must incorporate the full depth of the Pauline corpus. He attempts to show how his understanding of justification fits not only with Galatians and Romans but also with other Pauline letters often neglected by the discussion. Moreover, he treats the passages within their full context rather than focusing on a handful of verses. He also comments on Old Testament passages alluded to by Paul, including Genesis 15, Deuteronomy 27–30, and Daniel 9. This section provides a synthetic overview of Wright's understanding of the Pauline concept of justification.
Justification succeeds as a response to Piper, whether or not one agrees with Wright's ultimate position on justification. It also provides a general framework for discussing issues surrounding Wright's version of the New Perspective, although Wright does not intend the book to be a defense of the New Perspective. Rather, the first section reinforces the value of interpreting Paul within his full literary, historical context. Some will disagree with Wright's conclusions about the meaning of "righteousness of God" and justification, but his methodological suggestions provide much needed clarity to the debate over New Perspectives.
A thorough application of his method, however, cannot occur in such a short volume, despite his attempt in the second part of the book. Wright covers so many key passages in so little space (under 150 pages) that he accomplishes little more than to articulate his own views. His interaction with other views and, consequently, validation of his own views is sparse and shallow. His most thorough exegetical discussion involves Romans, as expected, but even here, he cannot possibly interact fully on all the issues at hand in such a brief treatment. As a result, other volumes remain necessary to answer all the questions surrounding his exegesis. He will hopefully address many of these issues further in his upcoming book, due in November, Paul and the Faithfulness of God (Fortress Press). In the meantime, Justification acts as a supplementary and clarifying voice for his previous work.


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French for hallucinate is the regular ER verb halluciner, shown here in all its tenses and conjugations that are used in contemporary French.
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If I hesitate to offer a review of Laurie Anderson's Delusion (at ArtsEmerson's Paramount Center through October 2), it's because I fear the whole thing will be just one big spoiler. Suffice to say that Anderson's performance is about loss and death and depression — and that it's utterly uplifting.
Anderson came along in the '80s, when the term "performance artist" was brand new. Was she a musician singing songs? An actor performing a text? A visual artist doing her art "live" for an audience? Well, all of these at once. At the Paramount, she deployed all her trademarks: multiple video projections, sculpted sound projections, spoken and sung text, and electronic violin — a source of "live" string sounds and triggered effects.
Anderson sets up the evening with a short introduction, set to music. "I want to tell you a story — a story about a story." She's talking about a time when her own personal "mechanism for motivation" failed her, when she was unable to sustain the "donkey and carrot" routine that took her from one episode of her life to the next. She then plays dramatic chords and rhythms on her violin as harsh scribbled drawing along with word phrases flash and morph on the screens around her — one large square back stage, two draped cloths at either side, and a draped settee center stage — like scrawled chalk on a blackboard. From there follow anecdotes, songs, scenes pastoral or dreamlike. Anderson peering around a theater curtain at the figure of a woman (dead or dying) in a strange room (a man stands in back, sometimes taking a photo with a flash, and dogs walk in and out of the scene). There's falling rain, snow.
Andreson alternates voices — her "natural" voice, quiet, almost whispered, but musical. And then the deep electronically manipulated male voice that she's used over the years as another effect. She's said that she's now begun to converse with this voice as a discrete character, with a name — Fenway Bergamot.
In the voice of Fenway, she intones dramatically about the fate of the earth, the plans to use the moon as a dumping ground for toxic waste, the politics of corporate greed, ideas about reincarnation, and the problem of "everyone who'd ever lived living all at once." The "female" Laurie meditates on the death of her mother, depression, living in New York, and presents a kind of dream diary. Either character speaks in precise musical cadences, with Anderson's sense of humor ever-present. You could say that the climactic act of the 90-minute piece comes when Anderson dreams of giving birth to her own dog — something the dog is not happy about, despite the difficulty Anderson has gone through to arrange the whole thing.
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Some days we may be shouting, "Praise God!" while other times we may be crying out, "I need a miracle!" Whatever the day may bring, changes will come and we need to have a godly mindset in order to handle them.
Isn't this a lot like our Heavenly Father? He points out how we can improve but never misses a chance to celebrate who we are in the moment along with the little changes that we make to become better, more rounded men and women. After all, He even promises that He has "drawn" us "with loving kindness" and "everlasting love." (Jeremiah 31:3)
In times of heaviness and depression, we have to remember to wear praise like a designer jacket or a good pair of jeans. Christ's job description in Isaiah tells us that heaviness, depression and times of emotional negativity are spirits that weigh us down. But praise for His infinite blessings and awesome nature wipes out negativity.
God sets boundaries for our safety and well-being. He removes limits in spite of our scars and weaknesses. He gives us the ability to establish and thrive in healthy relationships.
Satan wants to destroy us. He wants to keep us discouraged and beaten down. But when we accept Jesus Christ as our Lord and Savior, then we are called to greatness. We have a job to do for God. We don't have time to be defeated.
God, in all His majesty…rested. He set the pace for a good work ethic. Yet, even as He toiled to form every crevice and crinkle in the universe, He chose a day to rest. In all of God's infinite wisdom, He earmarked a day, a time that we might follow in His example; seek His peace, take in His restoration and renewal.
We gave our 7-year-old son, Donny, his first "buzz" cut last night. He was a little apprehensive, but was thrilled with the feel of his cropped hair when it was over. I loved it when he said "God won't have to count so much now".
Newsflash: You're not in control. You can't always keep your life perfectly balanced like you do your checkbook. You've got to turn it over to God. He's the only one who can keep you in perfect peace in a volatile world.
In this world we live in, the negative is spoken so often. As a child, I had heard that sticks and stones may break my bones, but words will never hurt me. That statement is not true. In fact, words may not break our bones, but they certainly can damage our spirits.
Jesus told His disciples to "sell all" for a treasure in the heavens. It often requires some sacrifice of self whether it be material possessions, job, relationship, etc... Your soul will never find true satisfaction until it rests solely in the riches of Christ.
Thank you, Lord, that even though I get temporarily distracted by the hectic pace of this life, You are never too busy for me. And He's never too busy for you.


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Long Island Limo Wine Tours – Get the Best
Long Island Limo Wine Tours are not confined to a journey up the east coast. Long Island wine enthusiasts and seasoned travellers may pick their stops, venues, and places. Ace Luxury Wine Tours will help you plan your wine tour, make bookings, and arrange for lunch.
We provide the greatest Limo Wine Tours Long Island with our top-of-the-line fleet, including a Suburban Limo, a Chrysler Limo, and a Suburban Limo.
The wine-growing areas of New York have witnessed a dramatic surge in tourists. We provide the greatest Long Island Limo Wine Tours in our Chrysler Limo or Expedition Limo, which seats 14 passengers. The Expedition Limousine and Chrysler are custom-equipped with a black/white Bentley inside, fibre optic lighting throughout, several televisions with DVD players, and a Jet Door, among other features.
Limo Wine Tours Long Island is a wine tour company that organises meetings and wine tours in New York City, Long Island, and the Hamptons for parties and corporations. Our Town Car Limo White or Navigator Limo Black can seat up to ten passengers. They feature televisions and Bluetooth radios throughout the limousine, as well as two wood bars with champagne holders and decanters.
The fleet is equipped with a variety of facilities. Your complete group of up to 20 passengers may sit back and relax in our Suburban Limo or Navigator Limo White Limo. Limo Wine Excursions Long Island operators will go above and beyond to guarantee that you and your party have an amazing experience on New York wine tasting tours.
We provide the greatest private and group excursions, whether it's wine tasting or a vineyard visit. When you ride in a limousine or rent a luxury party bus, you will immediately notice the difference in quality. Each week, we offer over 50 wine excursions. Additionally, we provide over 25 luxury limousine wine excursions. These excursions are available in a variety of vehicles, from 50-passenger luxury limousines to black sedans.
The following premium limos are available for Long Island Limo Wine Tours:
- Towncar Limo White
Capacity: Seating up to 8 Passengers
Amenities: Bluetooth Radio, Bar w/ TV.
- Chrysler Limo
Capacity: 14 Passengers with Jet Door
Amenities: Custom Black/White Bentley style Interior, White Marble Floors with Matching Bar Tops, Vegas lighting on floors, bars, ceiling, and partition with built-in TV.
- Navigator Limo Black
Capacity: Seating up to 10 Passengers
Amenities: Two wood Bars w/champagne holders and decanters, TVs throughout the limo with 2,000-watt stereo, VIP Section.
- Expedition Limo
Capacity: Seating up to 14 Passengers
Amenities: Fiber Optic Lighting throughout, Multiple TV's w/ Dvd Player, 2 Bars and VIP Area.
- Navigator Limo White
Capacity: Seating up to 20 Passengers
Amenities: 4000-watt Stereo System, Wood Floor with Bars Inside Seating and 1 Full Bar, Club Lighting Package, VIP Section.
- Suburban Limo
Capacity: Seating up to 20 Passengers
Amenities: Fiber Optic Lighting throughout, Multiple TVs w/ Dvd Player, 2 Bars, and VIP Area.
Long Island Wine Tours for You and Your Family
Ace Luxury Wine Excursions, Long Island's oldest wine tour company, provides exclusive Long Island Limo Wine Tours, limousine service, and wine tasting tours. Our packages are designed to ensure that you have the most elegant and pleasant experience possible. We are a family-owned business that was started in 1967. The company's primary objective was to offer corporate clients transportation via a single automobile. The firm has expanded to over 25 luxury vehicles, ranging from premium black sedans to luxury 50-passenger buses. We have direct relationships with over 20 Long Island vineyards. Among the wineries that have collaborated with us are the following:
- Vineyard Tour Long Island.
- Baiting Hollow Farm Vineyard
- Bedell Cellars
- Castello di Borghese
- Corey Creek
- Duckwalk Vineyards
- Jamesport Brewery
- Jason's Vineyard
- Laurel Lake Vineyards
- Lenz Winery
- Lieb Cellars
- Long Island Spirits
- Macari Vineyards
- One Woman Wines Vineyards
- Martha Clara
- Osprey's Dominion
- Palmer Vineyards
- Pellegrini Vineyards
- Pindar Vineyards
- Pugliese Vineyards
- Raphael Vineyards
- Riverhead Cider House
- Twins Stills Moonshine
We provide the most inexpensive Long Island Wine Tours. We can plan excursions to meet your requirements and ensure your satisfaction. They take you on a tour of the best of Long Island. The East End of Long Island is home to over a dozen wineries, vineyards, and other attractions. Travel in style in one of our Town Cars. With one of our Town Cars, stretch limos, or stretch buses, you can travel in style.
We're planning to assist you in planning your Long Island Wine Tours!
Long Island vineyards should be included on the agenda of every NYC tourist. You cannot overlook the several renowned wineries around the nation. However, you may only visit Long Island vineyards as part of a wine tour. Several explanations include the following:
You may outsource your research on Long Island Wineries to a third party. It should be simple to choose a destination. There are so many well-known Long Island wineries that choosing the perfect one might be difficult. Additionally, tasting their wines may take some time. Good Long Island wine tours have the advantage of being researched and tested to ensure you get the best wine tour possible. They will be aware of the duration of each sampling and when you can go for the next stop, if necessary.
You may swallow rather than spit. Wine tasting is a potentially hazardous activity. If you consume more alcohol than planned, you risk becoming inebriated and driving, which is not the ideal way to finish a wine-tasting excursion. Long Island wine tours enable you to drink the wines without fear of negative consequences, other than terrible singing and perhaps a headache the next day.
Wine education through stories: There are distinctions between American and French oak, for example, how to properly pronounce Mourvedre. What distinguishes one wine from another produced in a different environment? Even seasoned wine enthusiasts might benefit from wine tour guides. The greatest Long Island wine tours are led by knowledgeable, enthusiastic instructors passionate about wine and have outgoing personalities. To evaluate whether or not this tour is right for you, read our customer reviews and learn about their experiences. You will get an understanding of the connection between tour participants and guides.
Upgraded wine tasting experiences: When inspecting good wines, you must know what to look for. Cherries, cigars, plums, and stone fruits trace? In the tasting rooms, they jot everything down on paper. However, wine tasting is more than simply reading the script. Wine tours with a guide give you behind-the-scenes access to the cellars and the chance to meet the producers. You'll hear winemakers speak about their wines directly from them, not simply what they tell marketers.
Long Island's wineries are among the finest in the country. Make use of the experience to the utmost.
Enjoy the Taste of Long Island Wine Tour
Our Long Island Wine Limo Tours are second only to our Hudson Valley Wine Tours at Ace Luxury Wine Tours. You may charter an Ace Premium Wine Tours limousine, luxury bus, or coach to explore some of Long Island's most gorgeous wineries. If you book your vacation via us, you will receive a discount at several renowned vineyards. We provide exhilarating excursions to New York's wine region. We stop at some of the greatest vineyards to view their magnificent facilities and drink their finest wines. We are devoted to safety and comfort, but we also enjoy a day of fine wine. Our vineyard limousine service is, without a doubt, the best available.
The wine region of Long Island is a wonderful location. It is home to over 60 thriving wineries and over 30 wineries that open their doors to the public to sell their wines. It's more than a visit to the vineyards, where specialists will assist you in planning the entire day. It will be more than a standard wine tour. We may recommend vineyards and wines or arrange for meals to be delivered. Tastings of Long Island's award-winning wines are available. Additionally, you may enjoy an enthralling cellar tour to learn about Long Island's skilled vintners. Additionally, our viticulture specialists will review winery calendars for entertainment and special events.
Whether a novice or an experienced wine enthusiast, a Long Island Wine Tours Limo is an excellent holiday destination. Arrange for a Long Island Wine Tours Limo to chauffeur you through Long Island's vineyards and allow you to savour the delectable flavours. The limousine service provided by Long Island Wine Tours is ideal for couples or big groups of friends. These are just a few reasons why limo wine tours are the preferred mode of transportation for any Long Island Wine Tours Limo.
The vineyards of Long Island are famous for their superior wines, outstanding restaurants, and stunning vistas. There are so many magnificent attractions that tourists need not concern themselves with minor things. Leave the specifics, such as instructions and time, to our professional chauffeur. You'll have more opportunities to sample wines and create lasting experiences with your pals.
While in wine country, many travellers want to visit the top Long Island restaurants and vineyards. At times, it's necessary to avoid the masses and discover hidden jewels that only locals are aware of. Long Island Wine Tours Limo guides are natives who can recommend vineyards, restaurants, stores, and other lesser-known locations.
The finest feature of Long Island Wine Tours Limo is its adaptability to your specific demands. It is feasible to dedicate a specific period to small wineries that do not distribute their products around the country. Tours may include stops at some of Long Island's most renowned vineyards. Ace Luxury Wine Tours are perfect for seasoned travellers who know where to go and first-time tourists who wish to experience wine country's particular allure.
The tastings are fantastic, and a few of the establishments are culinary legends. The valleys' breathtaking grandeur is unmatched in any wine country vacation – one of the gorgeous views in Long Island's luscious vineyards with the setting sun.
Ace Luxury Wine tasting excursions you a chance to sample wines from a range of valleys. These changes come with a hefty price tag. Bear in mind that driving while intoxicated is unlawful and hazardous. By choosing a responsible Long Island limousine driver, you may enjoy the best of both worlds.
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Buying life insurance is an important financial decision. Not only can it help protect the loved ones who depend on you, but it can also serve as a useful financial tool. To help ensure you make the right decision, take the following steps before shopping for a life insurance policy.
Determine How Much Life Insurance You Need
How much will be needed in death benefits to cover expenses left behind if something should happen to you? The DIME method is often used to calculate life insurance needs:
- D = Debt (student loans, credit cards, car loans, mortgage, etc.)
- I = Income replacement (how long your income will need to be replaced to protect your loved ones)
- M = Mortality (your funeral and burial expenses)
- E = Education (funds needed for dependents' education or childcare)
Decide the Length of Time You Need Life Insurance Coverage
You can either purchase term life insurance or permanent (whole) life insurance. Term policies expire after a certain length of time. A whole life insurance policy continues until your death but costs more than term life insurance. If you only want coverage while you are paying off your mortgage or raising your children, term life insurance may be your best option. On the other hand, if you want coverage for the remainder of your life, whole life insurance is the best choice.
Consider Your Other Financial Objectives
Whole life insurance offers advantages in addition to death benefits. It can serve as a type of savings account. A permanent life insurance policy accrues cash value that increases over time on a tax-deferred basis, similar to a retirement plan. This type of life insurance can play an important role in your long-term financial planning.
Make Sure You Can Afford the Premiums
For a life insurance policy to remain in effect, you must continue paying your premiums. Only purchase a policy you can afford. If you should stop making your payments for any reason, the money invested up to that point would be money lost, with no benefit.
Name a Beneficiary for Your Policy
The person named as the beneficiary on your life insurance policy is the person who will receive the proceeds in the event of your death. This is an important decision, and our agent will be happy to advise you. Do not name your minor children — minors are not legally able to receive funds. For tax purposes, you may not want to name your estate as the beneficiary.
Speak with a Knowledgeable Agent
Purchasing a life insurance policy is a big step that can impact your financial future. It is important to shop for the coverage you need at the best available rates. It is also important not to delay, as the older you are when you purchase life insurance, the fewer your options and the higher your rates are likely to be. Our experienced agent can advise you on your choices and help you find the best quote for the life insurance coverage you need.
Article originally posted on www.insuranceneighbor.com(opens in new tab)


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Welcome to the GM Navigation Center
At this time, the map you are currently using is the latest version available today.
Please check back to see if a Map Update becomes available. Keeping your GM vehicle's navigation system up to date helps save you time, while providing added convenience and peace of mind. Each year, the navigation map database is updated with new addresses, streets, sub-divisions and other roadway changes. In addition, thousands of key Points of Interest such as restaurants, stores, hotels and banks just to name a few, are added, changed or deleted.
If you would like to shop for a Navigation Map Update for a different GM vehicle, please click here.