A Long Lasting Gutter Leaf Guard Made of Aluminium

We like the shade the trees around our house gives us in the summer, but the leaves getting in the gutters are a real mess to clean up. I have installed plastic and metal gutter guards in the past. They have all either blown off in the wind or got clogged with debris because the holes were too small. I found a new type of gutter leaf guard that has holes that are just the right size, and it is made of aluminium. Another cool feature is that the gutter mesh is available in different colours to match your gutters or roofing material.

I like to install things myself. I ordered enough of the gutter leaf guard to qualify for free shipping. Continue reading

Richard E. Stewart – Fine Art For Your Home Decoration

Mr Stewart had been totally self taught ever since he took brush in hand since living in New Orleans. In 1975 he watched artist in Jackson Square create beautiful art on nothing but a blank canvas.

Richard has always loved wildlife and landscapes, especially since moving to Montana in 1976. He has never been able to limit himself to one subject matter or art medium. He also loves showing Gods creations in watercolor and graphite. He accepts the challenges of sharing Gods creations in all forms and images, with as many people as possible. He doesn’t have a desire for wealth, but lives day by day with the grace of God. With the 45% markup that galleries pose on artwork, and the impersonal barrier between the artist and his clients, Richard enjoys meeting his customers in person, or talking to them on the phone.

Mr Stewart’s art is an depiction of the art first created by the Greatest Creator of All! 100% of the profits, of his limited edition prints, will go to his church, Cross-Roads Church in Bozeman Montana, lead by pastor Sean Stephensen.

http://bestwildlifeprint.com/

Richard E. Stewart
406-580-4817
How to paint wildlife in oils, and other classes offered at $15/hr

oil river painting

mountain in snow oil painting

Is your house safe?

Live in the world means you need to live in place that can protect you from cold/hot weather, or wild animal. Yeah, it is house that you need for you and your family. House have many parts and the most vital part is foundation.

As the most basic part of house, foundation must be made properly. You do need to know your land contour and the other aspects to make the foundation can support your house to stand sturdily. So, your house foundation will be strong and able to support the house.

Once you have occupied your house for several years, you may notice some problems. Some of them may be related to the foundation of your house.

These problems are not easy to diagnose. Make a mark to the questions below, meaning that which symptoms you have from those questions. The sooner you fix a moving foundation, the less damage it will cause. Several clear foundation movement indicators are:

  1. Are there cracks in your foundation?
  2. Do you have bulging concrete walls?
  3. Do you suspect any type of foundation movement?

All or even one of those indicators above can be cause for alarm!

  1. Do you have any floor and wall cracks?
  2. Do you notice any doors which bind and do not open or close correctly?
  3. Do you have any not-level floors?
  4. Do your windows bind or do not open or close properly?
  5. Is there any water intrusion in your house?
  6. Do you have any mold growth?
  7. Are there cracks in your exterior brick?
  8. Do you have any cracks in your beams and joists?
  9. Are there any separations of wood either on the interior or exterior of your home?

Do you have the felling of the need of residential foundation repairs? If yes. You have to take action as soon as possible! Things could be so much worse if you just wait. It is not worth risking your life and the lives of your family. You are going to want a reputable experienced company.

If you the one who in need of foundation repair in Frisco TX, you can go to your laptop. Turn it on, open the internet connection and look for our site to have good foundation repair service.

Home Equity Loans Are Great Tools for 100% Home Financing

Are you considering buying a new home, but do not have the funds for the required down payment? Or maybe you save the money for the down-payment, but are not sure if you want to use it for another type of purchase? If either situation fits you, then 100% home equity loans, also called a zero down home financing, might be the solution for you.

The first step to understanding 100% financing is to be aware of something called Private Mortgage Insurance (PMI). According to All-Options, “PMI insures the lender against loss if the borrower defaults on the mortgage loan. PMI is usually required when the borrower’s down payment or equity is less than 20% of the loan value.” Although not every mortgage lender insists on mortgage insurance, those who adhere to the Fannie Mae and Freddie Mac loan approval guidelines will require it.

PMI is added into the cost of your mortgage, so your monthly payments are higher than if you had put 20% down on the loan. Therefore, many people who are looking for a no money down home loan and want to avoid PMI, turn to something called an 80-20 loan. An 80-20 home loan takes the cost of the home and divides it into two mortgages. The first mortgage is for 80% of the home’s value. Depending on the specific needs and wants of the borrower, the first mortgage can be a fixed rate, adjustable rate, or interest only loan. The second mortgage is for 20% of the cost of the home. This second mortgage, also called a “piggyback loan,” is usually a fixed mortgage or a home equity line of credit. With the two mortgages, you are financing 100% of the cost of your home AND avoiding the additional monthly cost of PMI.

Zero down home loans can be a great option for those who don’t have the ability, or the desire, to put down a large down payment. With an 80-20 mortgage, you are able to avoid PMI and the required 5% down payment that many conventional mortgage products require. Before you begin shopping for an 80-20 loan, it is important to know and understand your credit score, as many lenders require a strong credit history for this particular mortgage option.

The Best Products That You Need for Your Kitchen

If you love spending time in your kitchen, you are bound to want the best of products to give you company through your cooking spells. It is not the easiest things to do, mind you – it requires a lot of planning and deciding on the best of things that you need for your daily needs. What better way than to look up the best products of each of the items you need and then go ahead with a purchase. So, based on your work in the kitchen – you need to think about the products you need.

1. Microwave oven: The best and most used item in your kitchen would be your microwave oven. There are so many times you use this on a daily basis, right from heating water to getting your food ready. If you have the knack for it, get ready to have the entire cook book prepared. Right from leftovers to nutmeg cookies, you can go the complete nine yards. There are different kinds of foods you can make and for each time, you can have a distinct style to it also. The entire convenience factor that comes in when you are using a microwave oven is tremendous – to not use your stove for every tiny heating requirement is a huge advantage that can save you tonnes of time and bring down that gas bill too.

2. Compact refrigerators: This probably the most important electronic item that you need in your home. You have to constantly run to it repeatedly if you have your refrigerator anywhere other than your kitchen. It has to be small enough to get cooling done quickly because you are bound to keep opening your fridge through the day, and the day you plan to make a dessert, it could really make you wait. The added advantage is that they take lesser energy giving you lower bills.

3. Coffee and tea maker: There is nothing as convenient as having a coffee and tea maker in the kitchen to give you a happy cup of piping hot beverage. It is the winning combination for every argument as you would always find peace with a cup of coffee. Add this to a busy weekday morning and you are sure to want a drink that would charge you up to keep you through the day. Be it a quick coffee that has to come to your rescue or even if you need coffee through the day, you would have it in an instant. Not just that, you would have various kinds of coffee that you can make and all the possible flavours and tastes can be added on. Never go to a coffee shop again!

4. Chimney Exhaust: If you really like your food fried or with a lot of spice, it would be a great addition to have a chimney exhaust installed above your cooking range. It would make working in the kitchen so easy and the fact that you can get the kitchen smoke free would be a delight for sure.

5. Hand blender: With the right hand blender all your work would be done in a jiffy. Right from working on the quickest tasks in the kitchen to having your purees made, you would have the ease of getting them all done by just using a hand blender. Forget about having to use anything else to chop all your vegetables or even get your refreshing juice prepared! A hand blender would make all the work for you in a flash.

6. Mixer grinder: We all need a mixer grinder in an Indian kitchen. We need this in the most basic needs of food preparation and it would be a huge advantage if you are keen on getting grinding or shredding anything vegetable, nuts, coconut kernels and so on. When you are choosing a grinder at home you need one that would be able to give you the best services and thus give you all the different kind of ingredients for your meal. With the new kind of grinders, you can knead dough and even make the best of purees. It would be a complete package for your kitchen.

There is no doubt that you need a fixed set of appliances for your kitchen especially if you are keen on setting up one for commercial use. With the help of new products of these sorts, you are today able to get superior products like never before for your kitchen. So, when are you renovating your kitchen?

Simple Ways to Save on Energy Expenses

Exerting some effort in conserving energy can bring great benefits. First and foremost, you will be able to reduce your expected expenses and save some money along the way. More importantly, lower energy consumption means lower emissions and this is definitely good for the environment.

So how do you make sure that your home is always energy-efficient? There are actually several ways to achieve that.

Turn it Off

You can begin by turning off appliances and electronic devices that are not in use. A common mistake among many consumers is that they often leave the appliances turned on all of the time. For example, most computer users are too lazy to reboot that’s why they do not turn the computer off even when they have to take a long break. If you must take a brief rest away from your computer, switch the monitor off at least.

Pull the Plug

Also, make sure that you unplug all appliances such as your television, DVD player, and stereo system when you are not using them. This is very effective in helping you reduce the next electricity bill.

Go For Energy Star Appliances

Not all appliances pass the standards set by Energy Star so purchasing only those that bear the symbol is an excellent idea. Compared with traditional appliances, Energy Star products require lesser energy and water to run. So even if they typically cost a little higher than others, these Energy Star-certified appliances are always worth it because they help you save bigger amounts of money in the long run.

Replace Light Bulbs

Using incandescent bulbs is not recommended if you are hoping to decrease your energy expenses. Instead, a better alternative is to use compact fluorescent light bulbs which consume 75% less energy. On top of that, these bulbs last way longer – not to mention that they are also brighter.

Use Programmable Thermostat

A programmable thermostat makes it easier for you to control the temperature in your home. Believe it or not, this could keep your heating and cooling expenses to about 15% lower.

Maintain Appliances Appropriately

Last but not the least, you may want to do regular maintenance tasks for your appliances. For example, changing air filters on your air conditioner not only promotes better flow of air in the room but also prolongs its life.

You may search for additional DIY tips about how to maintain your appliances so you can expect lower utility bills next time around.

Beyond the Brand: An Informational Guide to Picking the Right Washer and Dryer

There are a number of things to consider when making a purchase for your laundry room. All the information I’ll give you comes from my experience as an appliance salesman and goes beyond the brand and manufacturer. Selling appliances I have come to learn a lot of simple, useful and relatively unknown information about washing machines and dryers. You will be able to tell what washer is right for you, just by learning some basic knowledge about the types of machines that are available in the market today.

When it comes to doing laundry you have a few options with washing machines: front load, top load or even a laundry center. Dryers are all front load units; the only difference is in the door, motor, and the features offered. Household washers and dryers are measured in cubic feet. The range for washing machines is about 3.0 – 5.5 cubic feet, the average being around 3.7 cu ft. For dryers the range is 6.0 – 9.0 cubic feet, 7.0 cu ft being the average. The amount of laundry that you do is the main factor when choosing the size you want. Bare in mind that the larger the capacity the more it will cost.

Top load washing machines come in two styles: conventional and high-efficiency. Most conventional washing machines have an agitator which is a post in the middle of the basket that aids in the washing process by adding more turnover to the clothes. These models have a display with dials and knobs and are usually lower in price. High-efficiency models are usually large capacity units with no agitator offering more features like steam, deep water wash, and soil level options. The complaint I have heard the most with top load washers is that they don’t get the clothes as clean as a front load unit, however with the newest features on recent models the washers have got much better at cleaning the clothes.

Front load washing machines and dryers are perfect for a small laundry room, because they are stack-able. The clothes are constantly turning over in the water therefore they do tend to give a better clean. From my experience they seem to have more problems and are slightly higher in initial price, but also offer many features and are high-efficiency units, meaning they use less water and energy. The biggest complaint I have heard from customers is that the rubber lip on the door gets water in it and creates mildew that becomes difficult to clean and leaves the clothes smelling like mildew, however with proper maintenance this can be avoided.

When it comes to picking out the perfect dryer the options are not as diverse. All dryers have a door on the front and either have a motor with a belt and pulley or a direct drive motor which is usually more reliable because the motor is directly connected to the tub, and there are fewer parts that wear down and ultimately break. Direct drive is also available on washing machines with the same benefits. The most appreciated features on dryers are the steam and sanitize cycles, offering a quick clean for nontraditional items and also fast wrinkle removal. Simply put the more features the more costly it will be.

Laundry Centers have both a washer and dryer and have separate drums like stack-able front loads but the washer is a top load with the dryer directly above it. They are connected at the back and are a perfect fit for a very tight space. However the large capacity is sacrificed. All of the models I have come across have agitators in the washer and are not high-efficiency. These units tend to be very good if you don’t do a lot of laundry and usually cost less than buying a separate washer and a dryer.

There Are Different Types of Home Insurance Policies Available

All of us at some or the other point in our life have to buy some sort of insurance cover. It may be a life policy, car insurance, shop policy cover and many more. It goes without saying that coverage is extremely important for the protection and safekeeping of an individual or a property. And, just like all other important things need coverage, your house too needs an indemnity.

In simple words, home insurance offers risk coverage towards fatalities or damages caused to the construction and/or contents of your house in case of any natural or man-made incident or mishap. It is a contract involving you and the insurer, where in the later guards your house from unpredicted incidents like loss or harm due to fire, lightning, smoke, storms, explosions, riots, burglary, destruction, etc. However, before you buy a policy, it’s important for you to know that there are two different types of policies that you can take; these are- building cover and content indemnity.

Buildings cover is for defence against any fiscal losses if the concrete structure or permanent fixtures of your home are damaged or destroyed. While taking this policy cover, remember that the full cost of reconstructing your property is covered, and while claiming do not only agree for the market value. In general, the property on which your house is built on is not likely to be damaged by fire or flood, and it is often cheaper to rebuild a house on the existing plot than to buy another. Thus, keep in mind that similar houses just a few streets apart may be worth different amounts, but reconstruction costs will be the same.

Contents insurance, on the other hand, gives you cover for the items in your home that would go with you if you moved. This policy needs to give you an adequate amount of cover to restore your belongings, so be careful not to under insure. Think about coverage for the contents of your home, like expensive electrical items, or jewellery. Also, think about the contents of your garden, greenhouse and shed, and garden furniture. There are several policies available, which offer different level of covers. So, make sure you are aware of terms and conditions and are well aware of the inclusions and exclusions so that you are not under covered.

Before you buy a policy, you can also use a home insurance policy calculator and get an estimate of the cover you should buy. Also, watch out for discounts if you buy your contents and buildings assurance from the same provider. Do shop around, but also keep in mind that the cheapest cover may not be the best value, so be careful and make an informed choice!

The Development Of Appliances

Since the beginning of civilization human beings have been striving to make their lives easier and more productive by improving their living conditions. Of the jobs involved in just living, the storage and preparation of food and cleaning up were extremely difficult and often time-consuming tasks. As a consequence, great effort was made over the years to improve the speed and efficiency of these chores by inventing and evolving appliances to cut down the time spent on them.

One category of devices, that is in large part responsible for our way of life today, is the modern appliance. These time saving tools have allowed us to drastically cut down the time needed to not only store and prepare our food but to drastically shorten the time needed to complete other mundane duties such as washing and cleaning. Food storage and preparation alone could consume the greater part of a day for the average American. In the modern home you need to look no farther than the kitchen to see what these clever tools have done to make this faster and simpler. Let’s look at the kitchen stove as an example. At one time, in our distant past, the only choice available for food preparation was the simple campfire. This choice has now evolved into a modern device that can cook and prepare any conceivable dish imaginable right away. This started with the Franklin stove. Powered by wood it brought a controlled campfire indoors. Today the modern stove comes powered by either natural gas or electricity and some versions even have built in microwave and convection elements to increase the preparation speed. These microwave and convection models can cut cooking times, which sometimes ranged in the hours, to mere minutes.

Along with the development of the modern stove another tool evolved in the kitchen, the refrigeration unit. The development of refrigeration technology has been literally a lifesaver. The use of modern refrigeration now allows a family to store and keep fresh foods that would otherwise spoil. The catalyst for the development of this appliance was the invention of the compressed gas refrigeration process that is now the heart of all modern refrigeration units. Prior to this, if you wanted perishable foods, they were stored in simple iceboxes. These were basic storage containers that were used to keep foods such as dairy products and vegetables fresh by using blocks of ice, which provided the cooling. Before the icebox we were confined to whatever was handy and convenient. Generally this meant that if we wanted any fresh foods to eat it would be a daily responsibility to gather them.

After World War II there was a housing explosion with the introduction of tract housing in America. As part of the housing model all tract homes came with built in appliances like dishwashers, refrigerators and gas or electric stoves. This was the beginning of the realization of what would be latter called, “The American Dream.” The development of new and improved appliances has continued unabated. These new tools have branched out into more and more home-based and personalized items such as automatic vacuum cleaners, lawn mowers and items such as hair driers and electric shavers.

Washing Machine Buying Guide

Having a good washing machine is always a great advantage for home owners.

This is a great appliance that can help you save a lot of time. Instead of manually washing soiled clothes by hand, you can put the clothes and some detergent in the machine, turn it on, and wait for the cycle to end. You can then use your free time to do other tasks and then simply go back to it once the process is done.

If you are planning to buy a new washing machine soon, you have to consider your unique lifestyle.

1. Look for the Right Features

You should begin by determining the load capacity that matches your needs. A 4 cubic feet machine is usually sufficient if your family is composed of at least 4 members or less. If you have a larger family, then that also calls for a bigger machine.

Another decision you have to make is to choose between a Front Load or Top Load washing machine. By comparison, front loaders are ideal if you want something energy-efficient. This is also not as noisy as a top loader but the downside is that foul odor is sometimes unavoidable.

Speaking of noise, look for one that comes with Direct-Drive motor. This technology makes it possible for washing machines to run smoothly without the need of using belts. Noise and vibration are greatly minimized.

Also, make sure that you check the available space in your laundry area. It is advisable that you take actual measurements so you can accurately tell what machine is best for you. A stackable washer is recommended if you have a limited area. You may also buy a two-in-one washer and dryer machine to save some space.

2. Check Out Different Brands

Now that you already have some features in mind, you can then take a look at what different manufacturers have to offer. Electrolux, General Electric, LG, Samsung, and Whirlpool are some of the biggest brands in the market. Generally, these brands have several models for buyers to choose from.

Read reviews as you search for washing machines so you can have clearer expectations. Unbiased reviews that point out the pros and cons of the products should be most helpful for you.

3. Don’t Forget to Look for the Energy Star Seal

Finally, an Energy Star symbol confirms that an appliance is not an energy-waster. A washing machine with a rating of 4 or 5 should be excellent. You will be able to save at least 25% off your utility bill if you purchase something that passes the Energy Star standards.

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