Scrap A Car Or Truck

Scrap a Car or Truck

Scrapping a car is the term used to describe taking a car to the Metal Recycler. Metal Recyclers will pay you for junk cars, trucks, and vans, as well as other types of metal, which can be a great and easy way to get rid of a junk car.

In today's market, any little bit of extra money can help and scrapping cars can actually provide a decent return for the amount of effort it takes. It is also possible to find people who have multiple old cars just sitting in their yard, who will be more than happy just to see them gone.

Since metal recylcers pay you pennies per pound, it is important to understand scrap a car, so that you get the most money out of the junk vehicle. There are some parts that are worth more to the scrap yard, so it is worth it to take the time to remove them.

Instructions

1. Before you jump in a actually get to work, it is important to consider whether it is worth it to junk the car. Any running and driving car is almost always going to be worth more as a car than it would be as scrap metal.

So, if it runs and drives, do not scrap it, but instead put it on Craigslist for $500, as this is a fair price and more than you would get from scrapping it.

2. Next, spend some time calling the local scrap yards and metal recylcers to find out how much they pay for junk cars. They should give you a price per 100 pounds. If the scrap yards says it is a set fee, look somewhere else, because you will not get the most money this way.

3. While talking with the scrap yard, it is important to ask them their requirements on the gas tank and fluids. Some do not require that you drain the fluids at all, while others require that the gas tank be removed or just drained. Ask them if they have any other requirements, such as removing glass.

4. Before doing anything, it is a good idea to pull the car into the open if it is in the woods and if at all possible, place it on a piece of concrete or asphalt while you work.

5. Inspect the tires and fill them with air. It will probably also be necessary to jack the car up and place it on jack stands. Remember to be very careful when working under the car, paying special attention to the tires, as dry rotted tires could pop.

6. If the scrap yard requires it, drain or remove the gas tank and other fluids, like oil and transmission fluid.

7. Next remove the starter, alternator, and any other electric motors. Set these to the side, because the junk yard will pay extra for electric motors.

8. Remove the battery and set it aside, as many scrap yards will pay a set fee for batteries.

9. Locate and remove the catalytic converter, which is attached to the exhaust pipe between the engine and the muffler. Usually the catalytic converter is located under the passenger seat, especially on older cars. Scrap yards usually pay between $10 and $50 for a catalytic converter, so it is definitely worth removing.

The easiest way to remove a catalytic converter is to use a reciprocating saw with a metal cutting blade. This will easily cut through most exhaust pipes. Make sure you cut at a point were there is just one layer of exhaust pipe and don't worry about getting too close to the catalytic converter.

It may also be possible to pry the catalytic converter out with a large crow bar, breaking the welds, but this will not always work. Removing the bolts is also an option, but this can be very difficult, if not impossible, due to the high heats and age of most exhaust systems.

10. At this point, the car is basically ready to go. It is a good idea to see if there are any salvageable parts or expensive parts that you could sell separately. For example, auto glass can be very expensive, so if you see a curved window, it may be a good idea to remove it and try to sell it separately.

If you have the time and knowledge, you will also get more money by removing the engine and transmission. This is not necessary, but since most engines and transmissions are made out of cast aluminum, you will get a lot more if you take it apart and separate the aluminum.

11. When you are ready to load the car onto the tow dolly, attach the wench to the truck or tow dolly and make sure the car is in neutral and the parking brake is not set. Using the come along wench, pull the car up onto the tow dolly, making sure its wheels line up.

12. Make sure to bring your tire iron with you when you goto the scrap yard. While waiting in line to be weighed in, you can begin loosening the lug nuts on the scrap car. When it is your time to get weighed in, ask where you need to take the car, catalytic converter, batteries, and electric motors.

The scale master will direct you to a crane, which will pick the car up off of the tow dolly. However, you will probably have to take the electric motors, batteries, and catalytic converter to a different part of the yard, so make sure to ask about them.

13. Park next to the crane and finish loosening the tires. If you can remove the straps without the car rolling off of the tow dolly, do so. Otherwise, have the crane grab and hold the car while you remove the straps. Finally, once the car is in the air, remove all of the tires and place them in your truck.

14. Once you have dropped off the car, electric motors, and catalytic converter, you will need to get weighed out. They will give you a final receipt, which you will need to take to the cashiers office to redeem.

Tags: catalytic converter, electric motors, scrap yard, good idea, more than, scrap yards

Replace A Tie Rod In A Pontiac Grand Prix

Because a bent or damaged tie rod can adversely affect the steering of your Pontiac Grand Prix, it's necessary to replace it. Then have your Grand Prix aligned, and you'll see an immediate improvement. Best yet, replacing the tie rod is something you can do yourself.

Instructions

1. Buy tie rods that are specific to your Pontiac Grand Prix as these parts can vary from model year to model year.

2. Loosen the lug nuts on the front tires with a lug nut wrench, then jack up the car. Support the Grand Prix on jack stands, then remove the wheels.

3. Use a wrench to loosen the nut for the tie rod end as well as the tie rod.

4. Take nut off the outer tie rod, and separate the tie rod end from the steering knuckle, then unscrew the tie rod end from the tie rod.

5. Remove the clamps from the rubber boot on the end of the tie rod, and slip the boot down to expose the end of the tie rod. Separate the tie rod from the rack and pinion with a tie rod separator.

6. Insert the new tie rod into the rack and pinion, and tighten the nut to 50 foot pounds. Slip down the boot and tighten the clamp around it.

7. Screw on the tie rod end, and insert it into the steering knuckle, tightening the nut to 45 foot pounds.

8. Put back on the tires and tighten the lug nuts to 100 foot pounds. Get an alignment.

Tags: Grand Prix, foot pounds, Pontiac Grand, Pontiac Grand Prix, model year, rack pinion, steering knuckle

Become An Ohio Elevator Inspector

Every U.S. state and most major city has an elevator inspection department or division. These departments employ elevator inspectors who work with builders and building owners to assure the safety of any new or modified elevator systems. Elevator inspectors are experienced professionals in the field who are also charged with inspecting equipment, interviewing witnesses and determining probable cause(s) after an elevator accident. Most states, including Ohio, require that elevator inspectors have a high school diploma or GED and be nationally certified through the American Society of Mechanical Engineers (ASME) QEI certification process in order to work as elevator inspectors.

Instructions

1. Work as an elevator installer or repair technician or in a related field for at least four years to gain the requisite experience to become an elevator inspector trainee. This experience must include at least 48 months of work with electronics or electrical maintenance, and 24 months of work with blueprints, wiring diagrams and other schematics.

2. Go through the ASME QEI certification process while you are working as an elevator inspector trainee. The QEI certification process is a rigorous series of trainings and exams that covers all areas of elevator installation, repair and safety.

3. Gain work experience before you apply for work as an elevator inspector. Even after you are certified in most cases you will remain a trainee for at least a year or two until a regular elevator inspector position opens up.

Tags: certification process, elevator inspectors, work with, ASME certification, ASME certification process, elevator inspector

Become An Independent Taxi Cab Owner Driver

If you like to drive and can you sit for hours in a car, you might be able to become a taxi or cab driver.

If you like to drive, like people, you can sit for hours in a car and have a clean driving record, you might be able to become a taxi or cab driver. The easiest way to become a taxi cab driver is to apply for a job with a company or service. Yet, you won't make as much as you would if you decide to become a self-employed cab driver.

Instructions

1. See if there is a regulation on age for drivers in the market you plan to serve. Some cities will only accept established drivers age 25. You should also be aware of the fact that some cities will also not allow people who owe back child support to become taxi or cab drivers.

2. Once you have the qualifications, begin looking for a car. The best and easiest way to do this is by leasing the cab. You can lease cabs from cab services. Most of these leases will also include all the insurances that you will need. You will probably pay a company on average about $400 a week for the use of their car.

3. Be ready for some long hours. If you are paying $400 a week just for your lease, insurance and gas, you better plan on a lot of hours behind that wheel. Most independent taxi owners and drivers work on average 12 hours a day.

4. Spread the word. You need people to know that you are open for business. This means handing out and putting up fliers, handing out business cards and telling everyone you know that you are open for business. The more business you have, the more money you will make.

5. Dress nicely. You will be working with the public. Your appearance will matter. Go to work each day clean and well groomed. Take pride in how you look. This will help your business' image.

6. Make sure you have the items you need with you: a flashlight for emergencies, cell phone, maps of the area, a warm blanket in case of a breakdown, flares and a first aid kit.

7. Keep daily records of your runs and your expenses. You will need these for your taxes.

Tags: become taxi, become taxi driver, taxi driver, able become, able become taxi, cities will

Become An Electrician In New Jersey

Becoming an electrician is a career path that will take more than four years to complete.

Becoming an electrician in New Jersey is not an easy task; the process can take longer to complete than many college degrees. Most electrician careers start with an apprenticeship, during which hopeful electricians spend four years learning the trade. Also, they must spend 144 hours in a classroom learning complete jobs safely. At the end of their apprenticeship, the student must pass a test to receive certification.

Instructions

1. Apply for an apprenticeship with a local electrician. According to the website Become an Electrician, most apprenticeship programs are sponsored by local union chapters of the International Brotherhood of Electrical Workers and the National Electrical Contractors Association. The apprentice programs provide on-the-job electrician training and detailed classroom instruction on the duties of electricians.

2. Gather documents, signatures, and references proving you meet all of New Jersey's qualifications for electricians. You must be over the age of 21 and have a high-school diploma.

3. Provide a 2-by-two head shot of yourself that is no older than six months.

4. Complete the application to take the electrical contractor's examination. You'll need to select the specific date you are applying for and you will need to have documentation proving your qualifications.

5. Submit your application, with credentials and a $100 check payable to the State of New Jersey, to the Board of Examiners of Electrical Contractors.

Board of Examiners of Electrical Contractors

124 Halsey St., 6th Floor

P.O. Box 45006

Newark, NJ 07101

973-504-6410

http://www.state.nj.us/lps/ca/nonmedical/electrical.htm

6. Once approved, take and pass your examination to receive your official certification and license. Test results will arrive by mail to the address listing on your application.

Tags: Electrical Contractors, Become Electrician, Becoming electrician, Board Examiners, Board Examiners Electrical, Examiners Electrical, Examiners Electrical Contractors

Fight Low Insurance Claim Payments

Most people carry insurance on our vehicles and our properties to protect themselves from losses, but when such losses occur, it can be difficult to collect the value of the items from the insurance companies who hold those policies. It is in the best interests of the insurance company to pay as little as possible, and many policyholders find that the first offer they receive is a low one.

Instructions

1. Document your claim accurately, from the date of loss to the date the claim is actually filed. Proper documentation and record keeping are essential to any successful insurance claim, and the more evidence you can provide, the stronger your case will be. If possible, submit before and after pictures of your vehicle or property -- this photographic evidence can be very important in assessing the actual damage to your property.

2. Get multiple estimates for the repair or replacement of your property. Whether you are filing a claim against your car insurance, homeowners insurance or renters insurance, it is essential you obtain multiple estimates. The insurance company may reject your claim or try to pay a lower amount if you submit only a single estimate. In gathering estimates, however, make sure that they are all from reputable shops that will be able to restore your property to its former condition. In some cases, you may be required to obtain an estimate from a body shop approved by your insurance company.

3. Bargain from a position of strength. Many insurance companies will make an initial low offer, hoping you are so anxious for the money that you will accept that ultra-low offer. If you can bargain from a position of strength, you will be in a much better position to resist that low offer and hold out for a better deal. If you have an emergency fund in place, consider tapping it to purchase a replacement vehicle or a replacement for your damaged property. This will buy you valuable time and help you bargain effectively with the adjuster assigned to your claim.

4. Gather information about the true value of your property. If you are dealing with a car insurance claim, get a copy of "Kelly Bluebook" or access it online it to determine the fair market value of your car. You can also use ads from local car dealers, as well as classified ads from private sellers, to support the true value of your car. The more information you gather, the stronger your case.

Tags: your property, insurance company, value your, your claim, from position, from position strength, insurance claim

Uninstall And Reinstall Itunes On Windows 7

iTunes 9 (Current Version)

This article will show you correctly remove iTunes and its components from your computer Windows 7 in the event of program malfunction or error messages resulting in program crash, freeze or unresponsiveness.

Instructions

1. Finding iTunes on Your Computer: Open your control panel by clicking on your start button and opening your control panel. In your control panel, open the "Programs and Features" shortcut. A list will populate showing you all available programs on your computer.

2. Remove iTunes: (*If at any time your computer wants you to restart hit "no") In your program list, locate the (6) components and remove them in this order: iTunes, Quicktime, Apple Software Update, Apple Mobile Device Support, Bonjour, and Apple Application Services (iTunes 9)

3. Restart Computer: Click on your start button and restart your computer or you can shut it down and turn it back on.

4. Download iTunes: Visit www.apple.com/itunes/download to get the latest version of iTunes. The installer will download first then you'll have to go through the installer to install on your hard drive (Local disc C:). Restart your computer one last time and enjoy!

Tags: your computer, control panel, your control, your control panel, your start button

Install Drywall In An Older Mobile Home

Installing drywall makes a room appear larger.

Older mobile homes tend to have walls that are covered in dark paneling. The dark paneling makes the interior of the mobile home feel cramped or even depressing. Installing drywall and painting light airy colors will make the rooms in the mobile home feel larger. Installing drywall is not difficult if you are handy with a utility knife and a drill driver. Finishing the drywall is a skill that takes practice and attention to detail, but most people can learn to do it. Does this Spark an idea?

Instructions

1. Remove all outlet covers, batten strips, baseboard and ceiling trim.

2. Measure the wall where you plan to begin to be sure the first sheet will begin and end on a wall stud. Trim the drywall length if necessary. The drywall will install horizontally across the walls. When cutting drywall, use a metal straight edge as a guide and score deeply with a utility knife. Stand the sheet of drywall on end and bend to snap it on the scored line. Cut the paper on the back of the drywall sheet with the utility knife.

3. Starting in a corner; slide the drywall up the wall until it is tight against the corner and the ceiling. Use the drill driver to drive screws 12 inches apart into the drywall along the studs. Continue around the room until all the upper walls are covered. Cut around windows by installing the drywall over the windows and then cutting the window opening with a small saw. Cut openings for electrical outlets before installing the drywall. Measure from the edge of the last panel installed to the electrical outlet. Measure the top and bottom of the electrical from the floor. Transfer the measurements onto the sheet of drywall and cut out with the utility knife.

4. Trim the lower edge of the drywall for the second row. Stagger the joints by starting with a shorter sheet of drywall on the bottom row.

5. Apply a thin coating of drywall compound to the seams and use a drywall knife to embed the tape into the compound. Cover the tape with a light coat of compound and smooth with the knife. Cover the screw holes with compound, wiping excess off the drywall with the knife. Fold drywall tape in half lengthwise for corners. Apply compound to both sides of the corner and smooth the tape into the compound with the drywall knife. Apply a light covering coat to the corner tape. Allow the compound to dry.

6. Use a wider drywall knife to smooth a second coat of compound over the seams, corners and screw holes. Use a damp sponge to smooth knife marks in the compound before it dries. Allow this coat of compound to dry overnight.

7. Thin the drywall compound with a small amount of water and re-coat all the seams and corners. Apply a light coat to the screw holes if needed. Allow thorough drying. Sand the compound smooth.

Tags: with utility knife, utility knife, with utility, coat compound, drywall knife, screw holes

Mig Weld Auto Body Panels

MIG welding body panels can be tricky because they are so thin. Thinner metals require lower welder settings and some technique. With some practice, however, welding auto body panels becomes much easier. The trick is to get a solid, strong weld without warping or burning through the material. It is a very good idea to practice on some scrap sheet metal if you have any. That way, the mistakes you make while learning won't be evident on an important project.

Instructions

1. Cut the sheet metal precisely. One of the most important things to do when welding thin metals is to make sure the gap is as small as possible, and the pieces fit together extremely well. A quality pair of tin snips can make the job a lot easier. Bridging a large gap is not fun while doing any sort of welding, but it is next to impossible when MIG welding on auto body material. You can use an angle grinder to finely shape the pieces so that they fit as exactly as possible.

2. Tack weld everything first. Never attempt to simply completely weld up any body panels, because the heat will warp them quickly. Instead, tack weld them together every few inches, allowing everything to cool between arcs. To tack weld them, simply pull the trigger on the MIG gun for only two seconds or so. The goal is to stick them together well enough so that the panels won't separate, while at the same time avoiding burning through or warping the sheet metal. Do not bother grinding the tack welds once they are completed, because you will be welding more on the panels.

3. Fill the gaps with weld. Now that the body panels are tacked together, you can slowly connect them by welding the seams. It is important to go very slowly, welding only two to three inches at a time. "Pull" the gun away from the weld at a 45-degree angle to avoid deep penetration. Let the entire weld cool before striking another arc to avoid warping. If you can access the back side of the body panels, check to make sure there is no burn through from there. Sometimes it is very hard to see what is happening from the front side only. If the back of the sheet metal is turning black or you are seeing holes, turn the settings down on the welder a bit and try again.

4. Grind the welds down. Once the body panels are completely welded, it will be necessary to smooth the welds down so that they are flush with the rest of the sheet metal, and no longer visible. After the welds are ground down and the body panel is straight, you can coat the area with primer to prevent rust from forming.

Tags: body panels, sheet metal, burning through, make sure, tack weld them, that they

Become A Plumber In Minnesota

Plumbing licenses are only good for one year, expiring on Dec. 31 of each year.

Minnesota is one of the few states that requires most plumbers to be licensed in order to practice their trade. In fact, anyone doing plumbing work in a city with more than 5,000 residents must have a license from the state Department of Health. In addition to filling out an application and passing an exam, first-time applicants must provide three notarized references. There is also a reciprocity licensing program between Minnesota and the Dakotas. Before beginning work, plumbers must also secure a $25,000 code compliance bond.

Instructions

1. Graduate from high school with a degree or GED. Register with the Construction Codes and Licensing Division or the Apprenticeship Training Program with the Department of Labor and Industry. Pay registration fee of $30.

2. Enroll in a local apprenticeship program after passing an assessment test and taking part in an interview process. Pass a state-mandated drug test.

3. Complete an apprenticeship with a local unions or an independent contractor. The apprenticeship generally lasts four to five years and includes a mix of classroom instruction and hands-on training.

4. Continue to gain experience in the field. As you progress through the on-the-job train you will learn to identify various grades and types of pipe and fixture installation. Familiarize yourself with the guidelines established by the Minnesota Plumbing Code and Minnesota Rules.

5. Pay the nonrefundable $50 application fee to take the plumber license exam. Pass the test to receive your journeyman plumber license. The license itself costs $55. You must have at least 7,000 hours of practical experience under your belt, with no one year of experience exceeding 1,750 hours. You must also meet the following minimum requirements to qualify, according to the Minnesota Department of Labor website:

-2,000 hours of water distribution system installation

-2,000 hours of drain, waste and vent system installation

-1,000 hours of fixture installation

-and 2,000 hours in any aspect of plumbing work.

6. Earn your master license by passing the licensing exam. Plumbers must have at least five years of practical experience and possess a journeyman plumber license to qualify. An out-of-state master license will also suffice. The master license costs $120. Supply proof of having secured a $25,000 code compliance bond.

7. Research the local job market online and by speaking with plumbers in the area. Look into learning Spanish language skills and attaining a green plumbing certification to make yourself more marketable. Some plumbers go to work for contractors, while others open their own businesses.

Tags: master license, must have, plumber license, code compliance, code compliance bond, compliance bond

Install Outdoor Faucets In Mobile Homes

An outdoor faucet provides a readily-available water source.

The plumbing and other utilities in your mobile home are installed at the factory along with everything else, but outdoor faucets are not a normal fixture. However, since the utilities of your trailer are easily accessible under the main structure, it is possible to cut into the existing water line and add an outdoor faucet. This new fixture will provide you with an outdoor water source for all your gardening, lawn care and other household needs. Does this Spark an idea?

Instructions

1. Turn off the water supply to the mobile home. Find the spot under the trailer where the water line runs in and connects to the plumbing. Turn on all the faucets inside the mobile home and let the lines drain.

2. Wrap Teflon tape around the threads of the male threaded PVC coupling. Twist the coupling into the back of the outdoor faucet. Wrap the PVC with a rag, grab it with your channel lock pliers and snug the connection. Be careful not to tighten the fitting too much.

3. Drill into the side of the mobile home with a quarter-inch bit. Make your hole 3 inches above the skirting so it exposes the underside of the trailer instead of breaching the interior wall. Widen the hole with a half-inch bit, then again with a 1-inch hole saw.

4. Slide the PVC coupling attached to the faucet through the hole in the side of the mobile home. Turn the faucet upright. Mark the retaining holes in the faucet body on the siding with your pencil. Remove the faucet assembly and drill through the marks with a quarter-inch bit. Use your caulk gun to apply a thick bead of silicone around all three holes.

5. Slip the PVC coupling on the faucet through the large hole and realign the faucet so the retaining holes match. Slide a bolt through each retaining hole. Have an assistant hold the assembly in place. Climb under the trailer and slip a washer onto each of the bolts. Twist a nut onto each one and snug the assembly with your adjustable wrench. Wipe away the excess silicone on the wall with a wet rag.

6. Locate the nearest water line under the mobile home. Hold your "T" coupling up to the water line. Mark the waterline at each end of the "T" coupling. Remove the coupling. Make a second set of marks a half-inch inside of each of the first two marks. Cut through the water line at each of the inside marks. Discard the piece that was between them. Sand the ends of the exposed pipe.

7. Apply PVC primer to the outside of both ends of the water line you just cut and to the inside of each of the openings on the "T" coupling. Apply PVC glue to the ends of the pipes. Slide one pipe into each of the holes on the longest arm on the "T" with the free opening facing your faucet.

8. Prime and glue one end of a pipe. Slip it into the open end of the "T". Build your pipe towards the faucet. Cut the pipe as necessary. Use straight couplings as well as 90-degree and 45-degree angle couplings to reach your destination.

9. Glue the final piece together. Cut pieces of tie wire with your lineman's pliers to secure the pipes to the metal trusses under the mobile home. Let the glue dry four hours. Turn on the main water supply to the trailer. Look for leaks. Turn off the faucets inside the mobile home once the water runs smoothly and there is no more air in the lines.

Tags: mobile home, water line, with your, outdoor faucet, faucet through

Repair Plumbing Pipes Under Mobile Homes

PVC irrigation pipes

Repairing PVC Pipe under a trailer can seem a daunting task, it can be if you dont like to get dirty but this could save you lots of money from a contractor who will charge tons to repair it. I worked as an electrician for 13 years and all conduit either irrigation or electrical serves one purpose, to either hold or have something pass through it. The same applies with anything to do with plumbing under your trailer or mobile Home. Does this Spark an idea?

Instructions

1. If the leak on your plumbing is not inside the house meaning you cant see water under the sinks in the kitchen, bathroom or anywhere else but your experiencing low water flow it may be a leak under neath the house. Most trailers sit on blocks with an access door for you to go in. Take a flashlight and look for pools of water underneath, you may see water dripping from the insulation as the pipes are normally not exposed to prevent freezing and to insulate. Locate the leak first and check the size of the conduit or irrigation pipe that has sprung the leak.

2. Once you have located the leak the next step is to get a saw preferably a hacksaw and cut off the piece that has broken. Oh and make sure the water is off, this is a must. Also you will need two couplings PVC to fit either end of the pipe. Once the pipe has been cut its time to move to your next step

3. Measure the space between the pieces you have just cut and cut a new piece of pipe at that measurement, PVC is flexible so if your off a little its ok, maybe an inch at the most. Attach the new couplings on either end of the new pipe using PVC cement and let sit for 10 minutes. Finally fit the finished piece with the two couplings attached into the two pieces of pipe exposed which you cut out. Add additional glue around the coupling edge of the pipes where it connects to the PVC and let sit for about an hour. Turn back on the water and check for pressure, this should fix the problem. It may also save you upwards of 300 bucks for a contractor who will overcharge, remember its not the man that does the work that overcharges its the business itself, these are things you can do yourself around the house easily. The same applies to under the sink leaks, add some PVC Glue to the hole or do the same cutting out I mentioned previously and this will do the trick. Good Luck Dave

Tags: contractor will, couplings either, couplings either pipe, either pipe, next step

Become An Accredited Mortgage Broker

Accredited mortgage brokers are responsible for originating loan applications and assisting clients through the lending process. They facilitate a variety of loans, including consumer and commercial loans. And according the Bureau of Labor Statistics, this occupation is expected to grow faster then average; with a job increase of 11 percent nationally by 2016. But to launch your career as an accredited mortgage broker, you must earn a bachelor's degree or gain comparable experience.

Instructions

1. Earn a bachelor's degree in business or finance. Most financial institutions require that mortgage brokers have a bachelor's degree in business, finance or economics. Individuals can also be promoted to mortgage broker positions after several years of experience within the organization. For a listing of accredited colleges in your state, check out the College Directory Network (see Resources).

2. Contact your state's department of savings and mortgage lending. The majority of states don't require mortgage brokers to be accredited. To find out if your state has an accreditation requirement, check out the State Department of Savings and Mortgage Lending. If you visit your state's website, there is usually a link for this department on the main page.

3. Target financial institutions that offer in-house training opportunities. Mortgage brokers acquire their training on the job through in-house training. Larger companies like Bank of America or US Bank typically offer new mortgage broker training, which lasts a couple weeks.

4. Get your Certified Mortgage Banker Designation. The Mortgage Bankers Association (see Resources) offers this designation to individuals who have at least 3 years of experience and can pass the exam. Earning this designation makes you more marketable to employers and opens doors for advancement.

5. Refresh your resume to appeal to hiring managers. Highlight your experience attending community events representing a financial institution, communication skills and proven sales ability. Check out Job Bank USA (see Resources) for mortgage broker resume samples.

Tags: your state, bachelor degree, mortgage broker, mortgage brokers, bachelor degree business, business finance, degree business

Restore Scratched Dvds

Getting a significant scratch on a DVD can sometimes cause the DVD to skip while you try watch the movie play. A scratch, if minor (not too big) can be repaired using the simple technique explained in the following steps.

Instructions

1. Determine the severity of the DVD's scratch by holding it up to a light source. If the light shines through it, it's too deep a scratch. If not, follow the remaining steps to repair the DVD.

2. Buy a scratch repair kit. Two popular kits--Maxell CD Scratch Repair Kit CD & DVD and Allsop Inc DVD Scratch Repair Kit--are reasonably priced for less than $25.

3. Locate the scratch on the DVD again and pick up the scratch remover bottle.

4. Squeeze out two drops of the remover over the scratched area, then use a clean soft cloth to spread the remover over the area as evenly as possible.

5. Allow the scratch remover substance to dry for 10 to 15 minutes, so the remover solidifies and affixes to the DVD.

6. Remove the excess scratch remover substance by gently rubbing the disk with a clean cloth. Place your finger on the buffer cloth at the center of the disk, push slightly on the disk and rub to the outer part of the disk. Perform this action until you eliminate all excess scratch remover from the DVD.

7. Spray the DVD with the polish from the kit. Use the cloth and, beginning at the center of the DVD, rub the cloth out to the edge of the disk. Continue this action all around the DVD until the polish covers the DVD. Congratulations, you've fixed your DVD.

Tags: scratch remover, excess scratch, excess scratch remover, remover over, remover substance, scratch remover substance

Air Conditioner Repair Training

Air conditioner repair techs must be detail-oriented.

Air conditioner repair technicians receive their primary training in vocational schools that offer programs in heating, ventilation, air conditioning and refrigeration (HVACR). Most HVACR programs take between six months and two years to complete. Does this Spark an idea?

Academic Requirements

Air conditioner repair techs generally have a high school diploma or two-year degree from a vocational school, reports the U.S. Bureau of Labor Statistics. Employers prefer job candidates who have practical experience. You also may qualify for an AC repair position if you have more education.

Training Topics

According to BLS research, a novice air conditioner repair tech might receive on-the-job training. Most employers require one or two years of experience and training with skilled professionals, indicates O*Net OnLine. AC repair techs learn to repair and replace defective equipment and components, reassemble and test equipment following repairs and test pipes or tubing joints for leaks.

Tools

According to O*Net OnLine, training programs help students acquaint themselves with turbine flow meters, water flow meters and water pressure gauges. Trainees may also gain expertise with differential pressure indicators, pneumatic air gauges, bead type thermocouples and electrical current meters.

Tags: conditioner repair, repair techs, conditioner repair techs, flow meters, flow meters water, meters water

Bondo Rust Holes

Bondo is the trademarked name of a polyester resin material used to repair automobile bodies (and sometimes wood and other materials). It was developed as a replacement for lead products used for years to fill dents, dings and other imperfections in automobile bodies. Lead is toxic; Bondo also contains toxic chemicals but is much safer than lead. It also is easier for a car owner to use; lead requires special training and equipment. While similar products are sold in auto parts stores, Bondo has become almost a generic name for body filler.

Instructions

1. Prepare the surface by knocking out or scraping away any visible rust, holes or imperfections; use a knife, paint scraper or steel brush to scrape off as much rust as possible and get the surface as smooth as possible. Sand the area with medium-grit sandpaper, by hand or with a power sander, until the area is level. Run your hand over it and if it feels smooth, sand again with fine sandpaper until bare metal shows. Wipe the area clean with a damp cloth.

2. Put a small pile of Bondo on a waxed cardboard or plastic sheet, add a strip of hardener (check the recommendations for amounts; too much hardener will make Bondo unworkable, too little will not let it harden properly). Mix the two parts with a putty knife until the material is a uniform color.

3. Spread Bondo on the repair area with a putty knife; use a wide knife for big areas. Smooth it as evenly as possible. Avoid leaving ridges or valleys in the Bondo. Work in small sections when repairing a big area and try to fill all the spaces at one time; repeated applications may create problems because of different hardening. Back up rust holes which go clear through the metal with duct tape on the inside of the fender or other area; this will keep Bondo mostly on the surface.

4. Let the Bondo harden completely; this will only take a few minutes. Smooth big bumps with a utility knife, metal file or planer/shaper, then begin to sand the area smooth. Start with medium-grit sandpaper, by hand or with a power sander, and work the repair as smooth as possible, then switch to finer sandpaper and finish with very fine sandpaper until the area is perfectly smooth and level.

Tags: area with, automobile bodies, fine sandpaper, fine sandpaper until, hand with

Buy A House In Michigan With Bad Credit

Financing a Michigan home with bad credit is possible, depending on several factors.

Buying a house in Michigan with bad credit will, in most cases, require you to take steps to improve your credit prior to applying for a mortgage. FHA mortgage loans are possible with a low credit score if you have a large enough down payment, have zero collection or charge-off accounts with balances showing and have had at least 12 months without a late payment showing on your credit report. If you do not meet these requirements, you will need to bolster your credit score.

Instructions

1. Review your credit report closely. See how many late payments appear in the past 12 months. Count how many late payments you have for the past 24 months. You must have at least 12 months without a late payment to apply for a mortgage.

2. Check if you have any outstanding, negative or closed accounts showing an amount due. Total the amounts. You will need to pay off or settle any outstanding debt prior to qualifying for a mortgage.

3. Contact your local Michigan Housing Development Authority office. Schedule an appointment and bring your financial information. A Michigan counselor will advise you of specific steps to take to qualify for a Michigan home.

4. Save as much money as possible for a down payment. The lower your credit score, the higher the down payment..

5. Pay down any credit card debt. The lower your balance, the higher your credit score will rise.

6. Visit a Michigan mortgage lender specializing in bad credit loans. The mortgage lender will determine if your situation qualifies for a loan now, or what additional steps you will need to take. The lender may advise you to dispute items on your credit report, open new credit to bolster your score, settle certain debts or state an exact amount to save for a deposit.

7. Follow the advice and steps the mortgage lender and the Michigan Housing Development Authority counselor suggested, if you are unable to qualify for a loan upon your first meeting.

Tags: your credit, credit score, credit report, down payment, mortgage lender, will need, with credit

Make Compost And The Science Of Microbes

Bacteria break down food waste in a compost bin.

Composting food or lawn waste reduces the amount trash you throw away and provides a free soil amendment for your garden or lawn. During the process of composting, bacteria and other soil organisms, such as fungi and worms, break down waste into an earthy, soil-like material called humus. These bacteria and organisms, which also decompose dead plants and animals in nature, get sustenance from the carbon and nitrogen in waste. Microbes usually break down waste into humus in less than a year. Does this Spark an idea?

Instructions

1. Place your compost bin in a shady, well-drained area near your water supply.

2. Add yard waste, such as grass clippings and pine needles, as well as food waste, such as coffee grounds and vegetable peels, to your compost bin. You can also compost paper and cardboard, cotton, wool, dryer lint and fireplace ashes.

3. Add water if the compost becomes dry. Bacteria, fungi and other soil organisms require a moist environment to survive.

4. Turn the compost with a hoe each time you add more waste. This adds oxygen to the compost pile, which bacteria and other organisms need to survive.

5. Remove compost and add it to your garden or lawn once it looks like rich, brown soil.

Tags: break down, bacteria other, break down waste, down waste, down waste into

Buy Citrus Trees Online

Citrus trees produce healthy, delicious citrus fruits, and they can be a beautiful addition to any landscape. A wide selection of citrus trees is available online, including lemon, lime, orange, tangerine, and grapefruit trees. Whether you want to buy one or two citrus trees to enhance the appearance of your home or you plan to market and sell the fruit your citrus trees produce, there are a few simple steps that can help you decide what types of trees to buy and purchase them online. Does this Spark an idea?

Instructions

1. Decide what type of citrus trees you want to buy. If you're not sure which type of citrus trees are best for your area, contact your local tree nursery, and ask a staff member any questions you might have.

2. Figure out how much money you have to spend on citrus trees. Many online retailers offer volume discounts when you purchase large quantities of trees, but make sure you have enough money available in your budget before committing to an expensive purchase.

3. Compare the selection and prices offered by online retailers such as Growquest Growers and Citrus Trees Online. Make sure you can exchange or return any trees that are damaged or diseased for a full refund.

Tags: citrus trees, Citrus Trees, citrus trees, Citrus Trees Online, online retailers

Ask For A Repair Estimate

Your car is broken and you need it fixed now, but you wonder what exactly is broken and how much is it going to cost to get it fixed. You always wonder if the repair person is honest. That is why you always get an estimate first. An estimate gives you the ability to "shop around" and compare prices. Here is ask for a repair estimate.

Instructions

1. Make your request as specific as possible, and get the estimate in writing. Verify how long the estimate is good for. In some cases, you want time to comparison shop.

2. Provide important information, including model name/number, serial number or VIN, manufacturer and the age of the item. For items covered by a warranty, have that information available as well.

3. Check with your insurance company for specific requirements and information they need. If you are filing an insurance claim, have the company information available.

4. Describe in as much detail as possible what needs repair and what caused the damage. For estimates over the phone, provide all the information you are able to. Use details of sounds and smells, as well as what it looks like. Have the estimate faxed or emailed to you.

5. Get a description of the extent of the damage, what parts need to be repaired and how the repairs are done during a face-to-face estimate. Ask for a time frame of how long it will take to fix the problem.

6. Verify that the estimate includes an itemized list of all costs. Possible costs include parts, labor, freight, tax and fees for pick up and delivery. Make sure the estimate states whether the parts are new, used or rebuilt. Also, insist on a written warranty on any repair to be done.

7. Clarify the policy for cases where actual costs significantly exceed the estimate. Have it noted on the estimate that you are to be notified in the event that the repair requires more work than indicated in the estimate.

Tags: information available

Home Modification Grants For Lowincome & Disabled Persons

Low-income seniors can qualify for a grant to renovate their homes.

The U.S. Department of Housing and Urban Development and other federal agencies help low-income households and people with disabilities make renovations on their homes. To qualify for most programs, your income cannot exceed the low-income limit level. HUD has determined the low-income limit level for every county in the U.S. If you apply for a home modification grant, you will need to provide verification that you meet the income eligibility requirements.

USDA Rural Repair Grant

The U.S. Department of Agriculture provides home repair grants to seniors aged 62 years or older. The homeowner can receive up to $7,500 to correct health and safety concerns on his property. To qualify for help, the senior's income cannot exceed 50 percent of the area's median income or the very-low income limit level. The homeowner can also use the money to make upgrades to the home. The home must be located in a USDA-designated rural area of the country for the senior to qualify for a grant.

Specially Adapted Housing Grant

The Department of Veterans Affairs provides Specially Adapted Housing grants to veterans with a service-related disability. The veteran can obtain a grant up to $63,780 to make his home more accessible. The veteran must have an injury that includes loss of use of both arms or legs, blindness in both eyes, or a severe burn injury to qualify for a grant. The money can be used to purchase a home to be modified or modify a home that is already owned. Veterans with less severe injuries can qualify for a grant up to $12,756.

American Dream Downpayment Initiative

HUD's American Dream Downpayment Initiative helps first-time home buyers purchase and rehabilitate a home with $10,000 or 6 percent of the purchase price of the home. To qualify for an ADDI grant, the home buyer's income cannot exceed 80 percent of the area's median income or the low-income limit level. The grant can only be used for rehabilitation in conjunction with the purchase of a home. Typical repairs include reducing lead-based paint hazards or correcting other health hazards on the property. The repairs must be made within one year of the home purchase.

Rental Assistance Reasonable Accommodations

People with disabilities that live in HUD Public Housing or those with a Section 8 voucher can request property owners to make and pay for a reasonable accommodation. A reasonable accommodation is a structural modification to a housing unit, or common areas that will allow a person with a disability to live on the property. The property owner is not required to make structural modifications if other methods are available to make the housing more accessible.

Tags: limit level, qualify grant, cannot exceed, income cannot, income cannot exceed, low-income limit, low-income limit level

My Ceiling Is Leaking After A Reroofing

Find out if your new roof is leaking because of poor installation or another underlying problem.

The last thing you want to see after you just spent money putting a new roof on your home is dripping water from the ceiling. Unfortunately this is a reality for some people, and there are several reasons why this could happen to you. Take time to investigate the possibilities and find out if you need to have the contractors return to repair the job or if you have other issues. A leaking roof could cause serious damage to your home and cost you lots of money. Does this Spark an idea?

Weak Roof Structure

The structure of your roof below the area that was replaced may be the problem causing your leak and not the new roofing material itself. If the roof's initial design is weak it can potentially cause the roof membrane to split under heavy loads, such as hard rains, and allow water to leak through to your ceiling. Unfortunately the roof supports would have to be rebuilt to prevent this from happening.

Slope and Sag

The slope and any sagging of the roof structure can cause pooling of water on the roof and cause leaks through the roof membrane. This is also a structural issue that may not be the fault of your roofer. If you have inadequate drains for the roof causing ponding of water you may be able to have modifications done to the roof to stop the problems from happening.

Expansion and Contraction

Some roofing materials can contract and expand as temperatures change. This is especially true of metal roofs. If the roofer did not allow for some expansion and contraction of the roofing material, the changes in temperature could cause the fasteners or nails to wallow out the holes where they are attached to the roof. This could allow water in through the fastener holes, which can lead to leaking from your ceiling. If you suspect this problem, you should contact your roofer about it.

Flashing Inadequate

One of the most common places for roofing to leak, whether old or new, is at the flashing. Flashing is installed as a barrier between the roofing material and other parts of the structure such as chimneys protruding from the roof or edges between roofing sections. If the roofer did not install proper flashing or didn't install it correctly then water can leak into these areas and cause a ceiling leak below. If you suspect the flashing is the source of your leak you should have the roofer come out and have a second look at his work.

New Roof Over Old

If you installed a new roof on top of old roofing material instead of having it removed, you could be setting yourself up for problems. If you have more than two layers of roofing material on your home it might save you money as opposed to removing the old roof first, but the weight of the materials as well as potential rotting problems underneath could make your new roof unstable and prone to leaks.

Tags: roofing material, your home, your roof, allow water, between roofing, ceiling Unfortunately, could cause

Replace Rusted Out Metal On A Car

Replace Rusted Out Metal On A Car

When dealing with rust on a car it is really just like you have always heard, that it works like a cancer and keeps eating away the metal unless you get rid of it. You can't just mask over it but have to remove it completely and replace the section with new sheet metal. This article is aimed at generally taking you through the steps of removing the old rusted metal and replacing with new 22 gauge sheet metal, which is a typical gage for general body repair for smaller panels and sections.

Instructions

1. Survey the damage and make a determination of the metal you need to cut out. Take your time and think it through before cutting away any metal and consider any bends you have to make. Sometimes you are best off to cut away additional metal if the cut will leave you on a flat area rather than a curved body line.

2. Put on your heavy work gloves before handling the metal along with safety glasses when using a cutting grinder. Cutting out the bad metal can be accomplished with metal snippers or possibly with your cutting grinder. This really depends on access. Survey the area behind your cut to be sure you won't be damaging another area of the car. Grind the cut out edges smooth with your grinder and clean the edges of the metal surrounding your cut out section with your wire brush, rust scuffer pad or sandpaper. You want at least 1 to 2 inches of clean metal surrounding the cut out areas and then spray the raw metal with the rust treatment spray.

3. Form your new pieces with the sheet metal. If you do not have sheet metal bending tools you can be creative and use a standard vice on a work bench or the edge of a table to make a bend or use a dolly or anvil. You can also use steel plumbing pipe to form your metal over if you need a round type of bend. The 22 gaoge can actually be bent by hand to some extent as well.

4. Special body repair hammers and dollies will help you shape and pound out your metal. The better you fabricate will mean less work later in the smoothing out stage using body filler.

5. See the picture, new metal needs to be installed on both sides of the remaining lower section. In some cases it is easier to drill some pilot holes and use sheet metal screws rather than weld if the screw heads will not be seen. You can also use screws even if they are out in the open and then use your grinder to grind down the screw heads to below or flush with the surrounding surface. Welding is quicker, but you must have clean metal surfaces and reasonable access. Standard vice grips will usually work to hold the metal in place as you weld it or screw in place.

6. Fill any gaps with liquid metal from a tube, JB Weld or epoxy after welding and then grinding down high spots, or if you used screws, and you have grinded down the heads flush to the surface. These products will also work well to fill in small holes.

7. Use the trim as a guide (as in this picture) to help you stay in proper contour. Always save any bad metal cut out to use as a guide before discarding.

8. Use Bondo body filler to cover your welding seams after your metal is in place, level surfaces out and also for any final shaping or building up you may still need to do.

9. Use a scraping tool if needed to bring down any high or sharp spots from the hardened bondo and then use 60 grit sandpaper on a power sander to get your work as level and smooth as possible. Follow up with hand block sanding using 60 grit followed by 120 grit sand paper for further smoothing and leveling. Always wear a dust face mask when sanding or painting.

10. Spray high build primer to better see where you are at and then work with spot glazing compound for filling holes or cracks and also for minimal height building, applying in thin layers, allowing to dry between layers. Use a straight edge ruler to be sure your work is level and you can also use a second color of primer during block sanding for easy identification of low spots.

Tags: sheet metal, with your, your metal, your work level, away metal, block sanding, body filler

Information On Refinancing Your Home With Stimulus Money

Your neighbors have all refinanced their homes. They're enjoying the low interest rates that come with their new loans. You'd like to join them, but you have a problem. Your home's value has dropped since you purchased it, and you no longer have the 20 percent equity that most conventional mortgage lenders require before approving homeowners for a refinance. Fortunately, you do have an option: you can refinance your loan with a government program funded by federal stimulus dollars.

Home Affordable Refinance Program

The federal government launched its Home Affordable Refinance Program in 2009. Better known as HARP, this program provides financial incentives to mortgage lenders who refinance homeowners' mortgage loans, even if these homeowners don't have the standard 20 percent equity in their homes. The government launched the program to help the many homeowners across the country whose residences have lost value following the housing crash that started in late 2006. You can owe as much as 125 percent of your home's value on your mortgage loan and still qualify for a refinance under HARP.

Requirements

Not all homeowners can qualify for HARP. Like most federal programs, you'll have to meet certain requirements. Fortunately, the HARP requirements are fairly straightforward: you must be the owner of a home with just one to four living units, be current on your monthly mortgage payments and have a mortgage loan that is either owned or guaranteed by Freddie Mac or Fannie Mae. For the purposes of HARP, being current on your mortgage loan means that you haven't been more than 30 days late on your mortgage payment in the last 12 months.

Home Appraisal

The key to securing a refinance through HARP lies in your home's appraisal. Your mortgage lender -- and under HARP rules you must work with the mortgage company currently servicing your existing home loan -- will send a real estate appraiser to determine the market value of your home. If the appraisal comes in too low, and you end up owing more than 125 percent of your home's value, you won't be able to qualify for a mortgage refinance under HARP. You'll have to pay for this appraisal, usually about $400, whether or not your residence appraises high enough to make a refinance possible.

Other Qualifying Factors

To successfully close on a HARP refinance, you'll also have to meet some other requirements to satisfy your mortgage lender. You'll need to have a high enough credit score, usually above 750, to nab the low interest rates that make a refinance financially worthwhile. You'll also need the right debt-to-income ratio. In general, most conventional lenders will only approve you for a refinance if your monthly debts, including your new estimated mortgage payment, total no more than 36 percent of your gross monthly income.

Tags: your mortgage, home value, more than, mortgage loan, percent your, under HARP

Government Grants For Homeowners For Sewage Treatment

Septic tanks are purchased and installed with grants.

Properly disposing of and treating sewage reduces the chance of people catching diseases such as cholera and typhoid. Homeowners in rural and urban areas can apply for grants from local, state and federal government agencies to repair their wastewater systems. Grants cover project costs, including equipment purchases as well as labor expenses.

U.S. Department of Housing and Urban Development

Grants for homeowners to cover renovation projects including constructing and improving their wastewater treatment systems are available from the Community Development Block Grant Program. Funded by the U.S. Department of Housing and Urban Development (HUD), this grant program provides financial assistance to homeowners in cities with more than 50,000 population and counties with more than 200,000 residents.

U.S. Environmental Protection Agency

Grants are available to homeowners from the U.S. Environmental Protection Agency (EPA) to construct or improve their sewage treatment systems. One is the Wastewater Treatment Works Construction Grant program. Grants are awarded to municipalities to improve wastewater treatment facilities; however, financial assistance is also extended to homeowners to build or upgrade their privately owned individual treatment systems.

U.S. Department of Agriculture

The U.S. Department of Agriculture (USDA) also sponsors grant programs to help homeowners remove sewage from their homes. The Very Low-Income Housing Repair Program provides grants to homeowners 62 years old and older to remove health and safety hazards from their homes as well as cover renovation and repair costs after the removal of the hazards. Another program is the Housing Preservation Grant Program. Grants are awarded to low-income homeowners as well as rental property and co-op managers and members to cover home renovation and repair projects.

Local and State Grants

Homeowners can apply for grants at the local and state government levels as well. For example, Covington, Kentucky, and Marietta, Georgia, provide financial assistance to homeowners to pay for repairs to their wastewater systems. Also, the USDA awards grants to low-income homeowners of old Colonial-style homes in Texas, Arizona, New Mexico and California to repair and upgrade their water systems. Homeowners should check with local government agencies for funding opportunities.

Tags: financial assistance, their wastewater, treatment systems, apply grants, assistance homeowners, cover renovation

Convert A Screen Porch To A Sunroom

Convert a Screen Porch to a Sunroom

Converting a screen porch into a sun room is one of the easiest, most affordable ways to expand your living space and create a special retreat for relaxing year round. If you are handy, you can do some or all of the work for hundreds less than a professional installation would cost. Kits are available to simplify the process. Take your climate into consideration when choosing the windows: Dual-paned windows insulate from heat and cold. Harsh climates may require additional exterior storm windows. Adding fresh paint, window treatments, lighting, comfortable furniture and rugs creates a cozy sanctuary you will love. Does this Spark an idea?

Instructions

1. Inspect the condition of your screen porch. Make any necessary repairs and remove screens.

2. Frame in the lower half of the wall and insulate, if desired. Install wiring for outlets, or call an electrician to do so. Face the frame with drywall or wood and finish appropriately.

3. Replace screens with windows or Plexiglass panels. Frame window openings to accommodate windows. Choose windows that open for year-round enjoyment.

4. Install windows according to the manufacturer's directions, and install exterior storm windows if winter weather so dictates. Clean windows and paint trim. Caulk any gaps.

5. Paint, refinish or carpet the floor. Furnish your new haven and enjoy.

Tags: Convert Screen, Convert Screen Porch, exterior storm, exterior storm windows, Porch Sunroom, Screen Porch Sunroom, storm windows

Homeowner'S Insurance And An Appliance Leak That Damages A Floor

Homeowners insurance covers you against a number of perils that could negatively affect your home. One of the most common types of claims involves an appliance leaking in the house and damaging the floor. With most insurance policies, you would be covered in this case as long as you were not negligent in maintaining the appliance.

Appliance Water Damage

When you are a homeowner, you most likely have several appliances that could cause water damage to your floor. For example, when you have a refrigerator with an ice maker, the small water tube that is connected to the back could get a hole in it. When this happens, it could leak for several hours before anyone realizes it. Depending on what type of flooring you have, it could do a substantial amount of damage that requires you to file a homeowners insurance claim.

Deductible

When you file a homeowners insurance claim, you have to pay a deductible to the insurance company. The amount of the deductible is determined by the policy that you chose. For instance, the deductible could be $500, $1,000 or $2,000, depending on what you chose when you originally purchased your policy. The deductible is an amount of money that is charged before the insurance company pays anything. This is used to deter policy holders from using the insurance unnecessarily.

Rejected Claims

Even though your policy may provide you with coverage when an appliance leaks, in some cases, the insurance company may reject your claim. According to Chubb Insurance, 51 percent of water claims are not fully covered by insurance companies. The insurance company may try to get out of paying full benefits if you did not maintain the appliance as you should. The damage may also not be fully covered if you did not report the claim soon enough.

Covered Claims

If the insurance company determines that your claim is covered, you should be reimbursed for many different expenses. Perhaps the largest expense that is paid for is the cost to replace the flooring. This could cost thousands of dollars if you had wood flooring or something else that is damaged by water. The insurance company may also pay for you to stay in a hotel while the work to your house is being done. This could include meals and other expenses incurred while out of your home.

Tags: insurance company, file homeowners, file homeowners insurance, fully covered, homeowners insurance claim

Obtain A Free Charity Car

Many cars are donated to charity as a way to get rid of them, because they are not running or worth repairing.

There are a number of companies nationwide that invite people to donate their unwanted used cars to charity in exchange for tax deductions. If you are in need of a car, you may be wondering go about receiving one of the vehicles that have been donated to charities. Unfortunately, receiving a car from charity is not as simple as it may seem because many of these donated vehicles are auctioned off and the proceeds are awarded to the charity in place of the car.However, with a some investigative work and a proven need, you may be able to get a car from a charity.

Instructions

1. Research charities that give away cars. There are several in the United States, including Goodwill Industries and Salvation Army. Local charities and church charity organizations are normally a better bet for free cars because they have lower levels of demand and may actually keep a donated car or two around instead of selling it in order to fund a bigger project.

2. Document your need. While the different charities have different methods of applying for a free car, all of them will expect you to be able to establish why you need and deserve a free car more than the next person applying does. You can expect to have to provide information about your income, family situation, medical concerns and any other pertinent background information that might influence the charity's decision.

3. Wait patiently for the decision and react appropriately when you recieve it. It may be difficult to have patience, but these types of donations often take weeks, even months to occur. Some organizations, such as the Goodwill's Wheels for Work program, require recipients to take financial management classes and have a clean driving record. You may also be required to get insurance for the car before it is officially given to you. If you are not given a car, you may want to try a different charity.

Tags: because they, from charity

Salvage A Flooddamaged Car

Flood-damaged cars are usually an avoidable buy. You can clearly spot the damage that the car has sustained. However, if you own a car that has been damaged in a flood, then you can take steps to salvage the vehicle.

Instructions

1. Assess the damage. Before you attempt any type of repair, see how bad the damage is. If the damage is going to cost more than the total worth of the car, then it is not salvageable.

2. Start by fixing the engine. This is the main concern with a flood-damaged vehicle. If there is water in the engine, then you should not drive it. Instead, have it towed to an engine repair shop.

3. Drain the transmission and oil pans of the flood damaged car. Once they have been drained, you can replace the oil and transmission fluid.

4. Allow the brake system to be dried and inspected. Brake fluid also needs to be replaced.

5. Give the interior of the car time to dry out. It is likely that a mildew smell will linger once it has dried. In this case, take the car to an upholstery repair shop. They can rip out the old material, dry it out and replace it.

Tags: repair shop

Refinance A Home To Get Money For Remodeling Or Repairs

Use your home equity to remodel your home.

Refinancing is basically paying off your existing mortgage and replacing it with a loan with better terms. Homeowners refinance for a variety of reasons ranging from obtaining lower interest rates to adjusting the terms of payment to pulling out equity for personal purposes. It is important to be prudent when refinancing your home because both benefits and pitfalls exist. Whatever the reason to refinance, ensure that the net benefit outweighs the cons.

Instructions

1. Determine the factors that influence home refinancing. One of the main factors is the new interest rate, the lower the better. A good credit rating also influences the amount of money you can qualify for, as well as the terms, such as interest rates. Finally, closely look at the closing costs and administration fees from the lender.

2. Identify the most appropriate mortgage loan type for your needs. The main home loan types are adjustable rate mortgage (ARM), fixed rate mortgage (FRM), balloon home loan, home equity loan, and a line of credit. The ARM's interest rate changes through the life of the loan and is most favorable if you anticipate that interest rates will remain low or drop. The FRM has a fixed interest rate for a set period of time and is useful for someone with a fixed budget. The balloon mortgage rate may be as low as that of the ARM. Note that due to its rigidity, a balloon mortgage's major disadvantage is that once the set period of years has lapsed, the mortgage is due in full. A home equity loan is a fixed rate loan that permits the homeowner to tap into the home's equity. This may be the best option for one desiring to remodel, invest in shares, etc. Monthly payments on this never vary since the annual percentage rate (APR) remains the same for the span of the loan. Finally, a line of credit loan permits the homeowner to draw on the mortgage balance. You can thus tap into the equity of the home and make interest-only repayments. Lines of credit have lower interest rates than credit cards and personal loans.

3. Pick the best mortgage broker. One way to know if your broker is in good standing is to contact the American Association of Residential Mortgage Regulators (AARMR) and National Association of Mortgage Brokers (NAMB).

4. Discuss with the mortgage broker the final steps: signing contract documents, for example.

Tags: home equity, interest rates, interest rate, your home, balloon mortgage, equity loan, fixed rate

Deal With An Insurance Adjuster

When your property is damaged in an accident or casualty loss, there are many things going through your mind. Your first thoughts may include "Can or should I use the property with these damages?" or "This is the last thing I need right now!" But most of all you want to know who is going to pay for the damages and when. Whether the accident was your fault or not, you are probably going to have to come in contact with an insurance adjuster to be reimbursed for the damages.

Instructions

1. Leave your property exactly as it was when the accident or casualty occurred. Don't attempt to make repairs on your own because this could reduce the amount that the insurance adjuster decides is necessary to bring your property back to 100 percent. You could make a homemade repair that ends up causing problems for your property in the future that you'll never be reimbursed for, so leave everything to the professionals.

2. Call to speak with the insurance adjuster to set up an appointment. If the adjuster doesn't get back to you in a timely fashion after repeated attempts on your end, call and ask to speak with a manager.

3. Make it easy for the adjuster to find your property and inspect everything safely, if the adjuster is coming to your home or business to evaluate a claim. If you are going to an insurance adjuster's location with a car claim, bring a friend with you as a witness (in fact, you always want to have a buddy present when your car is being evaluated by an adjuster, even if it is at your home). Arrive at your appointment with the adjuster 10 minutes early so that you can get comfortable with the shop, look over your car once more, and see other customers who are dealing with the adjusters. This way you will have an idea of what to expect from the process.

4. Be cordial and shake the adjuster's hand when he arrives. Then get right to the point; explain what happened in the accident and what was damaged. Be firm and even in your tone; don't become animated, angry or unreasonable. Point out all of the specifics of the damage. If this is a car claim, open the hood and trunk if necessary to get a better look at the problems. Note any concerns you have that could be a problem in the future; for instance, if your vehicle has front end damage let the adjuster know that you want to be sure the radiator is okay. For a home claim, if you are concerned about the floorboards or foundation after a fire or other casualty loss, then make that clear to the adjuster so that he can look into the situation more closely.

5. Be quiet and allow the adjuster to make her determinations once you've made your case. The adjuster will need a few minutes to list everything and run numbers through her system or estimate book.

6. Listen to the adjuster. He will usually tell you the amount that he believes you are owed to bring your property back to its original condition (the way it was prior to the accident or casualty). If you disagree with the amount, you can explain why in an attempt to get him to adjust the decision, but it is not likely that the adjuster will give you more money based on your personal assertions. You may need to hire a third party professional to properly dispute the adjuster's decision.

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Resealing A Mobile Home Roof

Mobile homes often have metal roofs that require regular resealing.

When a roof develops problems such as cracks or leaks, homeowners can choose to replace the roof completely or take measures to repair it. Mobile home roofs often have a protective sealant that, over time, can develop cracks that allow moisture to invade the roof. Roof sealants not only seal out moisture, but some products protect the roof from mildew and algae. Others reflect sunlight, keeping the home cooler in summer. Does this Spark an idea?

Instructions

1. Place a ladder at the end of the mobile home opposite from the end where you will begin sealing the roof. Use a second ladder to access the roof for preparation or use the original ladder and walk across the roof. Always begin at one end and finish at the other.

2. Trim away branches and limbs that hang over the roof or that might pose a hazard while you're working.

3. Scrape away damaged areas of the roof with a wire brush or scraper and use sandpaper to smooth and level the edges of the damaged area. If the roof has shingles, hammer loose nails back into place. Sweep the roof with a broom to clean it.

4. Mix a trisodium phosphate (TSP) with water at the rate called for on the product label. Apply the solution with a pressure washer or use a stiff broom to scrub the roof with the TSP. Rinse thoroughly and allow the roof to dry for several hours or overnight.

5. Use a paintbrush to apply sealant around vents, pipes and chimneys. Paint the sealant on the rooftop for several inches around the object and 1 or 2 inches upward to complete the seal.

6. Screw an extension rod into the handle of a paint roller, if desired. The extension rod makes it easier to roll sealant over a large area. Stir and mix the sealing product, if needed. Many sealants contain fibers that settle to the bottom of the container.

7. Load the paint roller with sealant. Start at the outer edge of the roof and roll the sealant on to the roof surface as if you are painting or mopping a floor.

8. Roll the sealant using slow, even strokes, to ensure you apply the product evenly and completely. Cover only the area you can reach with the roller, and then back up and begin rolling the next section of roof, letting the roller overlap the edges of the section you just finished. Continue until you reach the other end of the home.

9. Roll the sealant as close to the edge of the roof as you can, and then get off the roof and stand on the ladder. Use the paintbrush to seal the last small band of roof. Allow the sealant to dry for as long as the product label recommends.

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Receive Grant Money For Home Renovations

The government gives money to qualified homeowners who cannot afford necessary home repairs.

If your home is in need of renovations but you cannot afford the cost, consider applying for a grant to help cover the expenses. Grants are awarded every year to those expressing financial need. Home-improvement grants are available through many programs and organizations in the U.S. Grant opportunities are typically offered on a first-come, first-served basis.

Instructions

1. Obtain a repair estimate. Before you begin searching and applying for a home-repair grant, you will need to know exactly how much your home repairs are going to cost. You may need to apply for multiple grants, depending on the extent of your home's rehabilitation needs. Contact a remodeling or construction company in your area to have the repairs or damage assessed. Many companies provide free estimates to potential customers. Be sure to obtain the estimate in writing from the company. Make several copies of the estimate. You will need this when you apply for grants.

2. Research grants for homeowners. The U.S. Department of Housing and Urban Development, offers rural home improvement grants to those who qualify. Visit HUD.gov for a list of links to federal and state programs. Most applicants must be moderate to low-income to qualify. HUD sponsors the Community Block Development Grant Program. The program's goal is to provide suitable housing and living conditions in communities. The United States Department of Agriculture-Rural Development offers qualified homeowners repair and rehabilitation grants. There are also community-based grants that help first-time home buyers who need to repair a home for it to pass inspection.

3. Contact the local municipality. Your city may offer an emergency-repair grant to fix urgent problems that may be dangerous or hazardous. These grants are typically offered to low-income families.

4. Apply for grants. In order to receive a grant through HUD, you must register with Grants.gov. You will need to provide all personal and financial information for your household. Write down the the Data Universal Number System number provided. You must also register with Central Contractor Registration, the primary database for federal grants. View the grant opportunities listed on Grants.gov too. If you wish to apply for a grant offered on the site, you will need to fill out a master application. Once you find a grant and meet the eligibility criteria, a simple click will automatically submit your application.

5. Submit financial records and your estimate. Once you are contacted for a home-repair grant, all the information you provided will need to be validated. Provide copies of your financial records and home-repair estimate, along with any other documents requested by the agency.

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Still Negotiate After An Appraisal

A qualified real estate agent can help you with negotiations.

Successful real estate negotiations can ensure you are able to purchase or sell a property for the best value each time. Although many real estate contracts only involve negotiations during the initial stages when a purchase and sales agreement is executed, you may continue negotiations after an appraisal comes in and even right up until final closing.

Contract Negotiations

Typically, once you find a home you like, the purchase process begins by making an offer on a piece of property. Your offer to purchase must be submitted in written form, and it should include your requested terms of sale. The purchase offer generally includes a price you are willing to pay, an approximate date you wish to close, and any specific buyer requests. Buyer requests may be the inclusion of specific furniture or personal items in the house, seller concessions to cover closing costs, or repairs and improvements you would like the seller to make prior to closing.

Real Estate Appraisals

A real estate appraisal is a formal report that assesses the value of a property. An appraisal report must be completed by a licensed professional, and it takes into account the size and features of a property as well as the recent sales price of comparable properties located within the same market. Real estate appraisals are commonly required by the bank whenever the buyer purchases a home with mortgage funds.

Negotiating After an Appraisal

If an appraisal comes back with a lower value than expected, it may give you increased negotiating power to amend the terms of your purchase contract. When you make an offer to purchase a home for $100,000, the expectation is that the property is worth at least that amount. Financial website, Sound Money Matters does not recommend paying more than the appraised value. Should the appraisal assess a lesser value due to current market conditions, you may be able to go back to the seller and negotiate a price reduction or additional repairs to keep in line with the appraised value of the property.

To Remember

Although you may find it worth your time to continue negotiations after a property appraisal comes in, take caution if you do decide to do so. In some cases, further negotiations may not be to your benefit. If the property appraisal comes back at a higher value than originally expected and you attempt to continue negotiating, the seller may exercise his rights to exit the purchase contract and sell to another buyer at a higher price.

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Build On Your Own Lot In Texas

Texas land varies across the state, from slow-rolling plains in the east to dramatic mesas in the west.

Texas has a wealth of land and a healthy economy, and building on your own lot in Texas is a highly desirable option for some buyers. The process of building your own home, however, is very involved, and requires working with experts who know the laws of land as well as the laws of building property.

Instructions

1. Get pre-approved for a mortgage for property and the house you plan to build if you do not have cash for the purchase. A bank you do other business with may provide better rates, or may be able to offer banking services at a discount once you obtain a mortgage with them.

2. Call or email real estate agents in the area you plan to buy. Ideally, get a referral from someone you know. Interview the agent about his past experience with the purchase of land in the area. Buying raw land involves much more than buying a house. You have to consider land quality, whether utilities are in existence, how they will be laid if not, local building restrictions, state building restrictions, and local and state permits. There are likely even more considerations beyond these that are specific to your local area. Ask your real estate agent about all of these.

3. Call or email builders and architects. Like the real estate agent, they should be familiar with local land characteristics and local and state ordinances. Such familiarity is even more important for the builder and architect since they will implement the project.

4. Submit an offer on the property. The seller has the option to accept, counter, or reject your offer.

5. Go under contract as long as all parties agree to the terms.

6. Close on the property.

7. Begin working with the architect and builder once you have closed on the property. As an owner, you should plan to visit the building site very regularly to ensure the work you have contracted is being done to your specifications.

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