Would My Broken Air Conditioner Be Covered Under My Home Owner'S Insurance

Air conditioners are one of the largest and most expensive appliances in a house. They include not only the main air conditioner (and often furnace) units, but also the ductwork that the air uses to reach all the rooms in the house. When an air conditioner breaks, it can mean expensive repairs or an even more expensive replacement for the homeowner. There are a couple different types of insurance that homeowners can purchase for their air conditioners, but the best protection may be thoroughly, frequent maintenance to ensure the air conditioner is operating correctly.

Homeowners Insurance

Homeowners insurance is a special type of house insurance that people buy when they first purchase their home. Homeowners insurance is typically required: lenders may not finalize a loan without a promise that borrowers will purchase the insurance within a month of owning the house. This type of insurance covers various damages down to the house and the possessions of the homeowner in case of perils--specific, unexpected events. Homeowners insurance covers at least fire and theft, and often many other events as well, but it only rarely covers appliances, and then with an extra charge required.

Home Warranty

A home warranty is a specific type of insurance that actually covers certain parts of the home instead of general damages. This type of insurance may also be required by organizations like title companies, but buyers can often decide if they want to buy a home warranty or not themselves. The warranty will almost always cover broken air conditioners that require repair or replacement--this is the sort damage that the warranties specialize in, but they are not the same as homeowners insurance.

Specific Perils

There may be cases where the homeowners insurance will pay for a broken air conditioner, especially if the ductwork that is part of the house is damaged. If a covered peril affects these areas of the house, the insurance company will include their damage in its payment as long as it is claimed. There are many exceptions, however: fires may damage ductwork, but few insurance companies will pay for damage cause by floods or slow-acting problems like mold.

Manufacturer Warranties

Homeowners should not forget about the advantages associated with manufacturer warranties as well. These warranties pertain to air conditioner repair within the first year or two of its use. If homeowners just bought an air conditioner with a manufacturer warranty, they should probably hold off on buying a home warrantee to save money by relying the product insurance itself. This may not cover a total replacement of the air conditioner.

Tags: insurance that, type insurance, ductwork that, home warranty, Homeowners insurance

Repair Maytag Dishwashers

Most dishwasher problems stem from the machine either not filling with water or not draining. Before calling a repairman, see if there are some simple fixes to these common problems. The homeowner should have the owners' manual to the particular model of Maytag dishwasher. This will be necessary for the proper cabinet disassembly that may be necessary. Disconnect the power to the dishwasher before servicing it. Does this Spark an idea?

Instructions

Dishwasher Does Not Drain Fully

1. Check the drain hose where it connects to the garbage disposal under the sink. Use a screwdriver to loosen the hose clamp and pull the hose off of the garbage disposal. Look for obstructions and remove them. Reconnect the hose back to the garbage disposal.

2. Inspect the sink trap to make sure it is not clogged. Run cold water into the drain and run the garbage disposal. Turn the garbage disposal off and allow the water to continue running. If the sink backs up, there is a clog in the trap. Remove the clog and the dishwasher should drain fine.

3. Clean the strainer at the bottom of the dishwasher. The strainer can be removed by twisting the plastic knob on top of it. You can pull the strainer out and clean it thoroughly. Also inspect inside to make sure there are no obstructions in the drain opening.

Dishwasher Will Not Fill

4. Inspect the inlet hose for kinks. Sometimes the hose will get an air lock when the dishwasher first starts up. When this happens, the hose will fold in on itself.

5. Make sure that the door is latched securely. The door latch may come loose after use over time. There are two screws that hold it in place on the door. Gently close the door and make sure the latch is properly seating. If not, loosen the screws and hold the latch with your fingertips to line it up. Tighten the screws back down.

6. Inspect the water inlet valve for sediment which will cause disruption in the water supply. Turn the water supply off to the dishwasher. The valve is located behind the toe panel of the dishwasher.

7. Remove the toe panel according to the owner's manual. Remove the inlet hose to the valve and inspect the inlet screen for sediment. Clean the screen with a small toothbrush and reattach the hose.

Tags: garbage disposal, hose will, inlet hose, make sure, water supply

Dispose Of A Sofa

A new sofa may look great in the living room, but something has to be done with the old one. Most furniture stores will deliver their new furniture, but will not take old furniture away. If you do not have a truck to deliver it anywhere, including the dump, you're options are limited. Take a couple of hours to make a few phone calls or follow a few of these steps and you'll most likely be rid of the sofa sooner than you think. Does this Spark an idea?

Instructions

1. Choose a nice day or weekend (if optional) and display the sofa in your front yard by the road. Make a "Free" sign and affix the sign to the sofa so it will not blow away or tip over.

2. Consider re-upholstering the sofa and keeping it in another room or selling it cheaply. Sometimes an inexpensive price on a piece of furniture like a sofa will move more quickly than a "Free" sign because the people may feel if they pay for something, they're getting a good deal. A "Free" sign might cause them to think that something is wrong with the sofa.

3. Look up charitable organizations in your local area or nearby towns, like homeless shelters, orphanages, women refuge centers and even churches. Many of these places may not only willingly accept the donated sofa, but also make arrangements to come pick it up. Churches may not accept donated furniture, but may know families in need that they can contact.

4. Contact the low income housing authority in your local area or nearby towns. They may know families in need that may have a vehicle of their own to come pick up the sofa, or they may have a friend with a truck to help them. Also, contact low income rental properties.

5. Call used furniture stores nearby. Again, they may willingly accept the donation to make money on the sofa and will willingly travel to pick it up. They can often repair or re-upholster old sofa and furniture and make a profit on it.

6. Look up Freecycle.com or other free giveaway communities on the Internet and post an ad. Many of these companies will not charge for an ad placement.

7. Contact the local waste management company that picks up your weekly trash. Many communities will have a certain day of the year (or even a couple days a year) when residents can clean out their house and place large objects near the road for pickup to the dump. If this is not an option, ask if they would be willing to dispose of the sofa for a fee.

8. Rent a truck from a local rental company and take the sofa to the dump yourself.

9. Disassemble the sofa. Taking a sofa apart it quite easy, considering what you have to pay for them. You can cut and fit the parts into garbage bags and add a couple bags at a time to your normal garbage pickup. Make sure you're not disposing of any improper materials, and you can even save parts of the sofa. If you have an outdoor fire pit, you can burn the wood inside the sofa.

Tags: Free sign, sofa will, accept donated, area nearby, area nearby towns

Sell Used China

Whether you're making room for a new pattern or unloading personal items after a divorce, selling used china can be a great way to earn some easy money. If your fine china is in good condition, you can make hundreds or even thousands of dollars on a complete set, depending on the desirability of the pattern. Does this Spark an idea?

Instructions

1. Identify your china pattern. If you are unsure, buy or check out a china pattern identification book. Some online china sellers offer pattern identification services if you cannot find the information you need.

2. Determine the market value of your china. Some old or rare patterns may be hard to price because of lack of information in china pattern books and absence of sales on the Internet and in china shops. Have your china appraised by an expert or search the inventories of online china replacement businesses to set a fair price.

3. Examine your china for damage and imperfections. No matter how you sell your china, you must provide the buyer with an accurate description of your dishes. Look for cracks, chips, discoloration and stains. Some online companies will not purchase china unless it's in like-new condition. Others will accept minor damages, but pay a discounted price.

4. Sell used china online or at a local retailer. If you can't find a local buyer, try online businesses that sell fine china replacement pieces. Many of these businesses buy china from other retailers, estate sales and individuals. You can also sell china through an online auction site like eBay or Craigslist.

5. Pack china carefully before shipping. Wrap each piece in bubble wrap, foam or packing paper, add sufficient filler to the box and use more than one box if necessary. Mark the package with a fragile sticker and seal with carton tape. Purchase insurance to cover the value of the china in case of damage.

Tags: your china, china pattern, china replacement, fine china, online china, pattern identification, Some online

Clean Heating Ducts In Mobile Homes

Mobile home ducts need cleaning periodically to remove mold and mildew.

Heat and air conditioning are delivered to each room of a mobile home through a network of ducts that are attached to vents. The ducts are usually constructed of aluminum tubes or rectangular shafts that run the length of the home. Double-wides are set up with two parallel ducts that are connected by a center segment. It gives the appearance of the letter H. The ducts need to be removed and periodically cleaned to avoid triggering allergy attacks when family members are mold-sensitive. Does this Spark an idea?

Instructions

Preparing to Clean

1. Turn off the central heat and air unit. Remove the vent and register covers by loosening the screws with a screwdriver. Turn the screws in a counterclockwise direction for removal.

2. Suction out any loose dirt or debris using a vacuum cleaner with a hose attachment. Reach as far into the ducts as possible.

3. Crawl under the mobile home and remove the bolts that hold the duct work in place. Do this by turning the bolts in a counterclockwise direction with an appropriate sized box-end or socket and ratchet wrench.

4. Pull the ducts free from the vents with a gentle tug. Drag them out from under the mobile home and set them aside for cleaning.

Cleaning the Ducts

5. Fill a garden pump sprayer with mold-killing sanitizer. Pump up the pressure and spray the cleaner down into the pieces of duct.

6. Wet a string mop with water and push it down into the ducts. Scrub all areas of the inside surface thoroughly. Let the sanitizer soak on the ducts for a few minutes.

7. Rinse the duct-work using a garden hose with a spray nozzle attachment. Let the ducts air dry for two hours.

8. Reposition the duct-work back under the mobile home. Fit it snugly back into place. Use the wrench to turn the bolts back in the straps in a clockwise direction.

9. Wrap each section with heat- and pressure-resistant tape. This will ensure there are no leaks in the duct system.

The Finishing Touches

10. Soak each register and vent cover in one gallon of water mixed with 1 tbsp. of dish-washing liquid for one hour. Scrub with a cleaning brush and rinse with clear water.

11. Pull the vent plate off the central unit and wipe clean with a damp cloth. Pull out the filter and vacuum the blower motor and coil. Replace the filter and close up the unit.

12. Replace all of the register and vent covers. Secure them with the screws. Twist them clockwise to tighten. Turn the central unit back on.

Tags: mobile home, under mobile, under mobile home, central unit, counterclockwise direction, down into, ducts need

Winterization Grants

Winterization grants were created to help low-income individuals.

With the increasing costs of home heating oil and other means of heating our homes, one area where our energy costs can be reduced is by properly weatherizing our homes to make them more energy efficient. The good news for low-income homeowners is that winterization grants are available through specific state offices.

Alaska Community Development Corporation

Funded by the Department of Energy, the Alaskan weatherization assistance program has allowed thousands of residents of Alaska to upgrade their home energy-efficiency for free. You can contact the weatherization program manager at (907) 330-8192 or (907) 452-8251 for an application and income guidelines.

Recharge Colorado

The Colorado Weatherization Program offers eligible residents the ability to save money on their energy bills by implementing energy-efficiency measures. The improvements can include a free energy audit, insulation for the attic and walls, installation of new windows and doors or a furnace replacement if it is needed. You can contact them for an application and income requirements at (800) 462-0184.

Connecticut Weatherization Program

Connecticut Department of Social Services administers the weatherization and energy assistance programs in Connecticut. The assistance is provided free to low-income residents of Connecticut to help pay for heating bills as well as conservation measures. You can call them at (800) 842-1508 for an application and income guidelines.

Idaho Community Action Program

The Community Action Partnership Association of Idaho provides for Idaho Weatherization assistance. It provides health, safety and repair assistance to homes in need of a weatherization upgrade. Priority is given to low-income families and the elderly. You can contact them at (877) 375-7382.

Tags: application income, application income guidelines, Community Action, contact them, income guidelines, Weatherization Program

Rv Parks Near La Grange Kentucky

Kentucky is home to great horses.

La Grange is 27 minutes (24 miles) northeast of Louisville, Kentucky. If you are heading into La Grange, expect a wonderful little town of around 5,600 people, quaint, well-maintained buildings, and large CSX trains that run through the city streets regularly--about 20 times a day.

Louisville Metro KOA

The Louisville Metro KOA is in Clarksville, Indiana, directly across the Ohio River from downtown Louisville. Louisville is 25 miles south of La Grange if you take Interstate 71, and it is about a 30-minute drive from La Grange to Clarksville. Access to this KOA is easy from I-65, and you will have an easy time getting to major events, conventions or attractions. Sites include full hookups with 50-amp electricity, cable TV, and access to free Wi-Fi service. RV repairs and servicing is available right next door. The camp is able to accommodate rigs up to 69 feet. A local pool and water park are nearby. RV, tent and one-room cabins are available for every occasion, as well as miniature golf for the little ones.

Louisville Metro KOA

900 Marriott Drive

Clarksville, IN 47129

(812) 282-4474

koakampgrounds.com/where/ky/17138

Lake Shelby Campground

Shelbyville is 20 miles south of La Grange, Kentucky. Here you will find Lake Shelby Campground, a hidden gem. It offers 10 RV sites, 17 tent sites, and a dump station. Lake Shelby is a 20-acre fishing lake with boat launches, and offers paddle boats, row boats and picnic shelters for rent. Walking trails are near the park, and it's a little off the regular driving routes, behind Clear Creek Park. The RV sites will fit a 36-foot rig, and there is a very tight first turn. Thirty-amp electrical hookup only is available, and only one site has a sewer hookup. If you can manage to back your rig in, the lake is only 50 feet behind you and offers a beautiful view. The boat ramp and picnic shelter get quite busy, but the camp is close to restaurants and shopping in Shelbyville.

Lake Shelby Campground

361 Don Cubert Road

Shelbyville, KY 40065

(502) 633-5069

shelbycountyparks.com/Parks/Parks_Lake_Shelby.asp

Guist Creek Marina & Campground

Guist Creek Campground is in Shelbyville, about 20 miles south of La Grange, Kentucky. The camp is open from March 1 through November for primitive or pull-through RV sites, and all RV sites have water and electric hookups. A restroom with shower is on-site as well as a dumping station. The campground is located on Guist Creek Lake, the county's largest lake, with 325 acres of surface. Used mostly by sport fishermen, the lake offers largemouth bass, hybrid stripers, catfish, crappie, blue gill and rockfish. Many fish are over 5 pounds, and the record size for largemouth bass caught in the lake is 10 pounds. The marina offers a launch ramp, gas, live bait, tackle, boat supplies and other necessities. Water skiing is also allowed from May through September, but call ahead for exact dates.

Guist Creek Marina & Campground

11990 Boat Dock Road

Shelbyville, Kentucky 40065

(502) 647-5359

guistcreek.com

Tags: Guist Creek, Lake Shelby, Grange Kentucky, Lake Shelby Campground, Louisville Metro, miles south

Have A Vizio Tv Repaired

Contact Vizio's Technical Support to get your TV repaired.

Vizio televisions not only contain ports for connecting a broadcast antenna or cable/satellite connection, but also a port for connecting your computer to the television so you can view websites and other media. The televisions are high-definition, available in a variety of sizes including 55-inch and compatible with a number of surround-sound systems. But like other electronic equipment, Vizio televisions can experience problems and require service. Requesting service and repair for your Vizio TV is accomplished through the company's Technical Support department.

Instructions

Under Warranty

1. Call Vizio's Technical Support department at 877-698-4946. The department's hours are Monday through Friday from 6 a.m. until 9 p.m., Saturday and Sunday from 8 a.m. until 4 p.m., Pacific Standard Time.

2. Speak with a representative about the problem you are having with your television.

3. Arrange a date for a Vizio service technician to come to your home or business, if the your Vizio television is 30 inches or larger.

Otherwise, the Vizio representative will provide you with information on send your television to the Vizio repair center. Note, Vizio will cover the cost of shipping your television to and from the repair center.

4. Write down the information on a piece of paper for future reference. Note, proof of purchase in the form of a sales receipt or copy of your sales receipt is required before warranty repairs are completed.

Out of Warranty - Indusys Technology Inc.

5. Call Indusys Technology Inc. (ITI) at 888-248-2708. The repair center's hours are Monday through Friday from 6 a.m. until 6 p.m., Saturday and Sunday from 7 a.m. until 5 p.m., Pacific Standard Time.

6. Speak with a representative about the problem you are having with your television.

7. Arrange a date for a service technician to come to your home or business, or to send/take your television into the Indusys Technology Inc. repair center.

8. Write down the information the representative gives you on a piece of paper for future reference.

Out of Warranty -- HDRepair

9. Call 800-713-2671 and speak with a representative at HDRepair. The repair center's hours are Monday through Friday from 5 a.m. until 7 p.m., Saturday and Sunday from 7 a.m. until 3 p.m., Pacific Standard Time.

10. Arrange a date for a service technician to come to your home or business, or to send/take your television into the HDRepair repair center.

11. Write down the information the representative gives you on a piece of paper for future reference.

Tags: from until, repair center, your television, Arrange date, center Write

Energy Assistance Programs In Mason County Illinois

Energy saver bulbs are used to reduce electricity consumption.

According to an "Electric Power Monthly" report, in June 2010, residential rates were higher at 11.92 cents per kilowatt hour compared to 11.85 in June 2009 and 11.75 in June 2008. With a trend toward rising electric rates and the increase in gas usage that comes with winter, struggling families and individuals at times need to turn to assistance programs for help. In Mason County, Illinois, there are several programs to help at-risk households with bills and improvement of home energy efficiency.

Low Income Rate Assistance

This program helps reduce energy costs for the elderly and disabled.

The Low Income Rate Assistance program in Mason County is used to aid senior citizens with their home heating bills. To qualify, applicants must be 62 years of age or older, earn less than $35,000 a year, be a year-round PUD 3 customer and not live in federally subsidized housing. The program is also available for low income disabled individuals who meet the above requirements and also have their name on the account. Approved applicants are then awarded a $15 monthly discount.

Energy Matchmaker Program

Attics receive improved insulation through weatherization.

Also known as the Low Income Energy Efficiency program, the Energy Matchmaker Program funds the weatherization of homes to help reduce the amount of energy wasted. This program is funded by the state of Illinois along with local funds. For approval, residents can contact their local community action agency. The process of weatherization is aimed at improving the efficiency of the central air system by improving insulation of the walls and floors as well as by adding additional weatherstripping and modifying the furnace.

Project Share

Writing a check to Project Share helps others in Mason County.

Project Share encourages customers in Mason County to donate funds to help cover electric bills for others in the community in need of assistance. This assistance program is the combined effort of the Mason County community including Mason County PUD No. 3, the Community Action Council (CAC), churches, citizens and customers. Funds generated from these donations are used to help qualifying families that are certified as low income based on the CAC's standards.

Keep Illinois Cool

The Summer Cooling Program helps with high bills resulting from air conditioning.

Keep Illinois Cool is an initiative to help with summer cooling costs. A contributor to the initiative is the Low-Income Home Energy Assistance Program (LIHEAP) which uses funds for its Summer Cooling Program to help as many low-income households as possible, including seniors, the disabled, those with medical conditions that can be exacerbated by heat and families with children three years of age of age and under. Eligibility requires that households seeking to qualify earn less than 150 percent of the federal poverty level. Due to limited funding, however, not everyone can be approved. Those who are approved receive a one-time credit of $150 to apply to summer electric bills. Keep Illinois Cool also provides weatherization services and tips for residents to follow to reduce energy expenses.

Tags: Mason County, Illinois Cool, Keep Illinois, Keep Illinois Cool, Project Share

Repair Scratches In Tempered Glass

Tempered glass, while attractive to look at, is no more invulnerable to being scratched than any other type of glass used for windows. To repair a scratch in a tempered piece of glass, assemble a number of supplies that are available from a grocery store, as well as some tools you may already have. A special cleaning paste from a jewelry store will also need to be acquired. Does this Spark an idea?

Instructions

1. Spray glass cleaner on the scratch and the surrounding area. Wipe the surface of the tempered glass with a soft cloth. Dry the surface with a dry side of the cloth.

2. Apply toothpaste to the end of a cotton swab. Place the swab on the glass just to the left of the scratch; if the scratch is vertical, place the swab just above the scratch.

3. Push the swab onto the glass. Drag the swab across the scratch until you reach the other end. (Move the swab down instead if the scratch is vertical.) Remove the swab and dispose of it in the trash.

4. Place a buffing pad against the scratch. Rub the scratch with the buffing pad in a circular motion for a minute. Remove the pad.

5. Apply jeweler's rouge to the end of a cotton swab. Place the swab on the glass just to the left of the scratch; if the scratch is vertical, place the swab just above the scratch.

6. Push the swab onto the glass. Drag the swab across the scratch until you reach the other end. Remove the swab and dispose of it in the trash.

7. Place a buffing pad on the orbital sander power tool. Plug the sander into a wall socket for power. Place the buffing pad on the sander against the scratch. Press the trigger to activate the sander. Apply a light pressure to the buffing pad against the glass as you slowly move the sander in a circular motion on the glass. Remove the sander after a minute has passed. Release your finger from the switch. Unplug the sander. Remove the buffing pad.

8. Spray glass cleaner on the area of the tempered glass where the scratch was. Wipe the surface of the tempered glass with a soft cloth. Dry the surface with a dry side of the cloth.

Tags: Place buffing, scratch scratch, scratch vertical, above scratch, above scratch Push

Claim The Recoverable Depreciation

The last thing anyone wants to worry about after a traumatic life event is the detail in the fine print. Doing so, however, can save thousands of dollars if you need to make a claim against your home insurance policy, especially if you make a claim to recover depreciation. Depreciation is an accounting convention which accounts for the wear and tear on an item. Accounting for depreciation lowers the value of the asset. Recoverable depreciation is insurance against depreciation.

Instructions

1. Understand recoverable depreciation. According to an article on Bankrate.com, entitled "No depreciation in home's insurance? Look again," depreciation is "...the difference between the cost required to actually repair or replace something and its value before it was destroyed." As not all home insurance policies provide for replacement value, depreciation can only be "recovered" once the claim is made against the property. In general, this is not a claim that can be made on an actual cash value (ACV) policy, however, be sure to look over your insurance policy to confirm. If needed, have a general or contract attorney look over the claim for you.

2. Review your insurance policy. Look for a clause called "Recoverable Depreciation," or referring to "Depreciation." The contract language might also look like "Guaranteed replacement cost coverage." Specifically, you want to know if 1) you have the option, and 2) what you need to submit in order to make a claim.

3. Gather the appropriate documents for your argument. A claim is a lot like an argument. You will need to provide proof of repairs, that is, with receipts, canceled checks, pictures (before and after), and any other document that helps the adjuster confirm the price of the house. The pictures will most likely have to be sent to the insurance adjuster by the contractor who makes the repairs. For this reason, it may take a while for the claim to be approved, since it cannot be approved until after the repairs have been completed at your expense.

4. Contact your insurance agency. Most insurance agencies have a 24-hour claims hotline. An insurance adjuster will then mail the estimation of breakdown of damages to you, the claimant.

5. Wait for the claim check. The amount of the check will be the "value of the asset" + "depreciation" - "any deductible." Checks over $5,000 may go to both you and the mortgage company. If this is the case, you must endorse the check over to the bank and they will cash the check for you.

Tags: home insurance, insurance policy, make claim, your insurance, your insurance policy, insurance adjuster, look over

Remove A Window Sash From Double Pane Windows

To repair cracked or broken glass in a double pane window, the top and bottom sashes must be removed. Modern aluminum and vinyl frame window sashes are easy to work with, and removal does not require tools. Older double pane windows are more difficult, and care must be taken to prevent breaking the wood when removing the sash. Does this Spark an idea?

Instructions

Remove a Lower Window Sash from Modern Windows

1. Unlock the window. Push the sliders located on top of the lower sash towards each other.

2. Hold the left and right sliders in place while lifting up the lower sash; the bottom should be just above the frame.

3. Carefully pull the top of the sash towards you and out of the frame. Let go of the sliders and grasp the sash firmly while pulling it towards you and out of the frame.

Remove an Upper Window Sash from Modern Windows

4. Pull the upper sash of the double pane window down by the handles located on the top frame. The top of the sash must be below the frame.

5. Push the sliders on top of the upper sash towards each other. Hold the left and right sliders in place.

6. Pull the top of the sash towards you and out of the frame. Release the sliders and grasp the sash firmly while pulling it towards you and out of the frame.

Remove a Sash from Older Double Pane Windows

7. Wear safety goggles when removing the stops located on the sides of the sashes. Wood-framed sashes are held in place with two wooden stops (one on each side). Slide a wide metal putty knife into the crack between the stop and the window frame. Carefully tap the knife handle with a rubber mallet to loosen the stop. As one section becomes loose, slide the knife down and loosen another section until the entire piece is freed. Repeat this step with the other stops.

8. Grasp the top of the lower sash firmly and pull it out of the frame. If there are cords attached to the sash, hold them while you cut them with a pair of heavy-duty scissors.

9. Grasp the top sash of the double hung window, and carefully pull it down and out of the frame. Use the putty knife to open cracks between the upper sash and the frame if several coats of paint are restricting the sash. Cut any attached cords with heavy duty scissors.

Tags: sash towards, towards frame, lower sash, sash firmly, upper sash, Window Sash

Get A Permit For An Auto Body Shop

Get a Permit for an Auto Body Shop

Auto body shops must provide proof of effective handling of waste, fire hazard safety compliance, and adherence to air emissions and pollution guidelines in any state. Obtaining a permit will vary based on location because each state has specific air, water and waste laws that govern how you qualify. The city you live in may have more requirements than others. For instance, in Everett, Massachusetts, you are required to attend a hearing to determine your eligibility for a permit. Some other cities have air pollution, water pollution and fire safety classes you must take before a permit is approved. Still, the process has a basic structure that involves contacting local government offices and agencies.

Instructions

1. Obtain and complete an Application for License from your city clerk's office. This is also known as City Hall. You will find all of the information in regards to your permit there.

2. Obtain a Business Certificate, or a copy of the Articles of Organization if you are a corporation from the Secretary of State. These documents show information, such as the name, the address, the owners and the nature of your business. If you are not incorporated, then you will need a Business Certificate instead. This has similar information to the incorporated certificate. There are fees for both that range from $10 to $30.

3. Obtain a Certificate of Good Standing. You can get this form from your local Secretary of State office. This certificate provides evidence that your corporation, or LLC, exists, has a good record of doing business and is authorized to operate in your state. There is a fee for this, from $10 to $20, depending on where you live.

4. Complete an inspection form for the building department in your area to schedule an appointment. An inspector from the building department will visit your location to check for compliance with the zoning ordinance provisions in your state. Your location must receive approval from the building department before you can proceed.

5. Request engineering inspection forms from the engineering department. They will schedule an inspection date for you. If approved, you will receive a Certificate of Occupancy to show that your business in is compliance with all building codes.

6. Schedule an inspection with the Fire Prevention Bureau. The Fire Prevention Bureau is responsible for reviewing and inspecting businesses to ensure that fire hazard, and life safety guidelines are followed. If your building is approved as satisfactory, you will receive a certificate.

7. Submit all completed forms, certificates and inspection reports to the city clerk's office, along with your license fees. These fees vary from $200 to $500 or more depending on what state you live in. The office of the city clerk can detail your fees.

Tags: building department, city clerk, Auto Body, Auto Body Shop, Body Shop, Business Certificate

Deflect Exhaust Noise

Many engines come with a muffler installed on the exhaust port. This forces exhaust to sift through noise-canceling chambers inside the muffler. The muffler also provides an added benefit of back pressure for the engine to run at maximum horsepower. Consistent use and age can cause the muffler to crack or the gasket seal to deteriorate. This causes the exhaust noise to get louder, but there is a way to fix this problem yourself. Does this Spark an idea?

Instructions

1. Locate the muffler and exhaust pipe.

2. Find the proper wrench and fit it on the two bolts holding the exhaust pipe to the exhaust port. Unscrew them and remove the pipe from the muffler.

3. Inspect the muffler carefully to be sure there are no cracks in it. Condensation can cause rust to form and crack the muffler. Remove its mounting bolts and replace the muffler if it is rusted or cracked.

4. Remove the old gasket from the exhaust port and place the new gasket over the port. Place the exhaust pipe into the muffler and fasten the muffler on the exhaust port.

Tags: exhaust port, exhaust pipe, muffler exhaust

Repair Home Theater Subwoofers

If your subwoofer breaks, it may be possible to repair it without having to take it to a repair technician. This article will help you decide whether or not the problem you are experiencing with your subwoofer warrants professional help. Here are some basic guidelines on repair a home theater subwoofer.

Instructions

1. Review the owner's manual. Most manuals have an expansive section of troubleshooting tips.

2. Try to identify the problem with your subwoofer. First, make sure it is plugged in to the right components as well as a power source. Look for any noticeable damage to the speaker. Also make sure none of the wires are loose.

3. See if the subwoofer has a great amount of reverb, then try putting a blanket or piece of carpet beneath it. That may absorb some of the rattling.

4. See if you have a crack in the foam ring around the speaker, known as the surround; it will create a distorted buzz. An easy fix for this problem is taping the crack with electrical tape or covering the crack with a rubber-like epoxy. You can easily find either of these at your local hardware store.

5. Locate the subwoofer fuse. Check to see if it is blown, and replace it if necessary.

6. Buzzing sounds may be coming from another power source. Check to see that there are no other large appliances that are plugged into the same outlet or breaker. If there are, plug the subwoofer into its own power source

7. Give the manufacturer a call. Companies employ many highly skilled technicians who can either be sent to your house or walk you through a fix over the phone.

Tags: power source, your subwoofer, crack with, make sure, with your, with your subwoofer

What Are The Qualifications For Opening Your Own Home Daycare

Home daycare providers can care for any age group.

A home daycare is also known as family daycare, and it is simple to operate because you can do so right in your own home. The qualifications for home daycare providers vary by state, but there are some basic qualification guidelines every provider should follow.

Facilities

An outdoor play space is important for children to get fresh air.

To open your own home daycare, you need to have adequate facilities to care for children in your home. The requirements may vary depending on the number of children you plan to care for as well as whether or not your home daycare is licensed by the state. A home daycare must have an operational kitchen with a dishwasher for sanitizing dishes and toys, adequate bathroom facilities in addition to safe, clean areas for children to play. Some states also require that a home daycare must maintain certain supplies such as a dedicated changing table and cribs for infants as well as sleeping mats for older children and outdoor play spaces such as a backyard or nearby park.

Experience

Childcare methods must be changed to adapt to different children.

No matter what age group you choose to work with, caring for children all day is a demanding and often challenging line of work. You should have experience in childcare before you attempt to open your own home daycare. In most cases a daycare provider should have experience caring for other people's children through babysitting or childcare work. Adequate childcare experience also gives you the opportunity to learn about the needs and personalities of different children as well as the needs of their parents.

Training

Training and education provides greater credibility.

Some states do not require any training for an individual to open a home daycare center, but other states stipulate that a home daycare provider must be registered or licensed and must have sufficient training to care for children. Training may include first aid and CPR training as well as courses in early childhood education. Early childhood education courses can be completed through a college, community education coalition, or a home daycare provider may complete correspondence courses for a home daycare operation. Even in states where a home daycare provider is not required to undergo training, you may find that parents are more willing to entrust their children to you if you have formal childcare education or training.

Tags: home daycare, daycare provider, home daycare provider, your home, your home daycare

Train At Home In Computer Repair

Learning to repair a computer is a valuable skill.

Computer problems can be frustrating and inconvenient. Computer repair shops can fix your computer for you but repairs can be very costly. Knowing perform your own computer repairs can save a lot of time and money. Whether you are hoping to save money on computer repairs or simply want to learn a new skill, you can learn the basics of computer repair at home with the aid of online courses, books and online communities.

Instructions

1. Read books on computer repair, of which there are many. If your budget is tight, go to the library and check out recent books on computer hardware and repair. For absolute beginners, the "For Dummies" series of books on computer hardware and repair written in easy to understand language that is perfect for beginners.

If you are already somewhat technically inclined, look for books for the CompTIA A+ certification. Even if you do not plan on becoming certified, the A+ certification is the industry standard for non-vendor-specific computer repair, providing a comprehensive overview on the basics of computer support and repair.

2. Sign up for an online class on computer repair. Look for a class that is instructor led, often via an online community college or adult school course. Instructor-led online classes will give you the advantage of having an expert guide you when you are having problems.

3. Learn by doing. Challenge yourself to handle actual hardware as you are learning about it. Familiarizing yourself with the hardware will help you better understand how hardware works together.

4. Join an online community on computer repair. Online communities are often populated with enthusiasts who like to share their computer knowledge. While an online community should never be your only source of computer repair training, it is a good resource to be able to ask questions and get answers.

Look for a forum that is active with a lot of members and sections for people to ask questions. PC Tech Bytes and Technibble are two popular computer repair forums.

5. Invest in the proper tools for computer repair. A cool, clean, well-lighted work area and good tool set are necessities when learning and performing actual computer repairs. A good beginning tool set includes a #2 Phillips head screwdriver, a can of compressed air and an anti-static mat.

Tags: computer repairs, books computer, computer repair, computer repair, online community, basics computer, books computer hardware

Make Money From Foreclosures

While the real estate market will always have its ups and downs, there is usually a way to make money if you know which areas are most profitable. Foreclosures still provide a way to enter the market and make money off your investment, provided that you work hard and have good luck.

Instructions

1. Invest your money wisely when you are renovating or repairing properties that you have purchased. If you intend to sell the property, you will get the best return on your money by updating kitchens and bathrooms. These are the rooms that usually matter most to buyers and enable you to price your property higher than comparable properties that lack these improvements.

2. Keep repair costs as low as possible. Although many foreclosures will require work, you don't want to spend outrageous amounts of money on repairs or upgrades. One way to save money on repair work is to contract a local company to handle all of your investment properties in exchange for a sizable per-project discount. This way, the company has guaranteed work, while you maximize your profits.

3. Use caution when participating in an auction, which is one of the most common ways of purchasing foreclosed properties. You should investigate the property carefully, in advance, to determine its condition so that you won't end up paying for expensive repairs. You should also make sure that the title is clear, so that you won't be responsible for previous liens (legal claims on a property for money owed) on the property that can cost you money after purchase.

4. Rent or lease out property that you have purchased instead of re-selling immediately. If you can rent out the property and cover the costs of the mortgage, real estate taxes and property insurance, you can still make money over the long term as the property appreciates in value (usually about 3 percent per year). In addition, you can write off the costs of repairs and other miscellaneous expenses on your income taxes.

5. Try to have multiple foreclosure deals going at one time, once you have mastered the process. This enables you to have a steady flow of cash coming in throughout the year and keeps you from being wholly dependent on the sale or lease of any one property.

6. Read "The Everything Homebuying Book" by Mark B. Weiss and Ruth Rejnis, available at Amazon.com, for more information on make money with foreclosures (see Resources below).

Tags: make money, have purchased, lease property, properties that, property that

Get A Car Donation From Nonprofit Organizations

Take the wheel of a nonprofit vehicle.

There are numerous nonprofit organizations that accept donations of used vehicles to benefit their cause. Of these cars, a large majority are sold at auction so that the value of the vehicle can be acquired in cash. There are a handful of organizations that offer vehicles to benefit individuals, most with locally filed applications. Keep in mind that it is much easier to find a car at a great discount than to find one entirely donated.

Instructions

1. Find an organization that donates cars to individuals in your region. You may find that most sources like Goodwill's Cars for Work and Vehicles for Change will require a modest fee for the vehicle. Some local ministries or other smaller organizations may be more likely to offer direct donations. If you don't have a budget for a vehicle purchase, the best bet is to approach your church or local community welfare group for assistance. Many nonprofit organizations that promote a "back to work" type of initiative operate locally and may be able to help you find the car you need.

2. Evaluate the likelihood of qualifying for a vehicle. Even nonprofits like Goodwill and Vehicles for Change---who both charge a modest fee---require that certain criteria be met. You must have a job, and must provide proof that your income falls in a low-wage category. If you have offenses like a DUI or other major traffic ruling, you most likely will not qualify.

3. Contact your local office. Neither Goodwill nor Vehicles for Change will work with an individual on the national level. Find a local branch and inquire about their programs.

Tags: organizations that, Change will, Goodwill Vehicles, like Goodwill, nonprofit organizations, nonprofit organizations that, vehicles benefit

Do It Yourself Mobile Home Repair

Mobile home being transported

Most mobile home repairs can be completed by the homeowner. The construction of a mobile home differs slightly from the construction of a conventionally built home, but in general the repair procedures are the same. Some replacement items, such as faucets, may have to be purchased from a mobile home dealer. Water leaks in a mobile home should be repaired as soon as they are noticed because mobile home floors often consist of particle board, which quickly deteriorates when wet. Does this Spark an idea?

Roof Repairs

Metal roofs on mobile homes require periodic inspection and maintenance, such as repairing the seams and areas that have loosened or separated. Small openings can lead to big problems, allowing water and small animals access to the mobile home interior. The roof should be inspected each spring and fall. Screw down loose seams or edges and apply roof sealant. The roof should be re-coated with sealant every two to three years. This type of roof coating is best applied on a warm sunny day to ensure that the coating flows evenly. Be cautious about walking on a mobile home roof. Place your feet on the ribs or rafters that support the roof.

Inspect shingle roofs and replace loose or missing shingles. Gutters should be kept clean and in good repair to ensure proper drainage.

Doors and Windows

Inspect the caulking around windows and doors. A fresh bead of caulking might be necessary to seal out drafts and water where openings or cracks are evident.

Exterior doors and windows should be sealed with weatherstripping. Check storm doors to be sure they close tightly and hinges and door closers are securely fastened. To adjust a storm door, loosen the screws in the hinges, make any needed adjustments and re-tighten the screws.

Siding and Skirting

Inspect the mobile home siding. Repair or replace loose or damaged siding. Even a small opening in the siding can allow water to get in and damage the framing.

Inspect the skirting for damage and make necessary repairs. Replace damaged or missing insulation. Any opening in the skirting can allow cold air to penetrate and make the floors in the mobile home colder.

Furnaces, Vents, and Chimneys

Clean the furnace and install new filters. Check all vent caps for proper attachment and clear away any debris that may impede proper air flow through the vent. Apply caulking to the roof around the vent pipes.

Chimneys should be inspected and cleaned to remove any buildup of creosote or bird nests. A blocked chimney can be a fire danger due to creosote buildup that could fuel a chimney fire or carbon monoxide escaping into the interior of the mobile home

Interior Repairs

Check all sink drains and traps for leaks. Most traps are attached to drain pipes with rings containing a nylon washers. It is a simple task to replace the nylon washer and re-tighten the ring. Be careful when using tools on plastic and nylon connections, as they are easily damaged. Even a small continuous drip of water can do serious damage to a mobile home floor.

Replace faucet washers that allow water to drip. A few minutes spent doing this repair saves money on the water bill.

Visually checking around the toilet base will ensure the seal is not allowing water to seep into the flooring. Replace the seal as soon as a leak is detected by lifting the toilet, replacing the seal and reseating the toilet. Replacing the flooring in a mobile home bathroom is an expensive undertaking.

Tags: mobile home, mobile home, allow water, allowing water, chimney fire, Even small, replace loose

Prove A Parent Unfit In Child Custody Cases

Proving a parent unfit can be shaky ground.

Child custody is not something that should be taken lightly. Parties seeking to prove a parent unfit for the purpose of adopting a child or securing legal guardianship need to be mindful of the local laws governing custody proceedings. Making sure you get the facts straight is critical to presenting a compelling case that a parent is not fit to have custody of her children. The main goal is to prove that the parent is subjecting the child to abuse or neglect, be it physical or psychological.

Instructions

1. Research everything you can about the parent you claim is unfit. This includes all criminal history, drug use, domestic violence, abuse allegations and participation in unsavory activities. If the parent has previously had an open case with child protective services, this is not public record but if you know this case exists, you may bring it up at the custody hearing.

2. Identify any risk factors in the home of the parent. If the child is routinely exposed to dangerous objects or situations, the court needs to know about it. The neighborhood may also come into play if it is a rough area with a high crime rate.

3. Request that the parent be evaluated by a psychologist. This can give insight into the way the parent thinks and if abuse is likely to occur; of course, it is not definitive but it will glean a professional opinion from someone who is licensed in this area. Drug use may also come up in the interview and you may be able to use this to your benefit.

4. See if the judge will approve a psychological evaluation of the child. If the parent is emotionally abusing the child or purposely delaying development in the case of a baby, this will be evident in the evaluation. School records can also help if the child is school-age.

5. Ask your attorney to subpoena the child's medical records if you know there have been previous incidents that may point to abuse. Hospital records and doctors' notes can be important when citing potential abuse.

6. Try to figure out if the parent has the financial means to support the child. If the parent cannot consistently provide adequate support for the child, use this in your claim.

Tags: that parent, also come, child parent, parent unfit, support child, this your

Build A Fire Pit With Standard Bricks

Outdoor fires make for a relaxing atmosphere. You can use campfires but need to use extreme caution due to their size and control issues. Alternatively, build a fire pit in half a day that can be used repeatedly without rebuilding. Fires are easier to control in a pit and can be a centerpiece to the area. Does this Spark an idea?

Instructions

1. Pick a spot for the fire pit that is safe for open flame. Keep the pit away from trees, buildings or anything that might be vulnerable to an escaped spark. Choose a level location free from underground obstructions such as wires, pipes, roots or cables. These items are often only inches below ground. Make sure the area isn't where water pools or seeps as this may cause the pit to sink.

2. Pound a stake into the ground with the mallet at the center of the spot chosen for the pit. Insert the stake far enough so it will stand on its own. Measure and cut a section of string 2 feet long. Tie one end of the string around the stake. Tie the other end to the spike. Pull the string taught.

3. Draw a circle around the stake using the spike as a guide. Keep the string tight. Untie the string and set it aside. Use spray paint to highlight the outline of the circle on the ground.

4. Use the spade to dig up the outline of the circle. Remove the sod within the circle and discard. Dig out a 1 foot deep hole using the entire circle. Use the edge of the circle to line up bricks. Dig a 6-inch wide area within the center of the pit to a depth of 12 inches. This will be the pit itself.

5. Pour a 3-inch layer of gravel over the base of the entire circle, including the pit in the center. This layer will provide drainage to keep the area dry and keep the fire in place as well as provide for easy cleanup of the burnt wood. Pour a layer of sand over the gravel. This will keep the gravel from retaining heat and allow the pit to cool down.

6. Lay a course of paving stone around the edge of the circle. Make the edges touch to create a sturdy base. The bricks will be set on top of the stone.

7. Set the first course of bricks along the inner edge of the paving stones sideways. Leave a 2-inch gap between bricks. As you build up the walls, these gaps will become the ventilation.

8. Set the next course of bricks in a staggered pattern over the first course. Have each brick of this course overlap two bricks beneath it. Leave a 2-inch gap between bricks. Continue the process, staggering each new course, until you reach roughly a 3-foot height.

Tags: 2-inch between, 2-inch between bricks, around stake, between bricks, course bricks, edge circle, entire circle

Grants For Refurbishing Homes

Seniors can get help to refurbish their homes.

Several federal agencies provide grants for homeowners, renters and non-profit agencies to refurbish homes. These grants typically require the applicant to meet income level requirements to qualify for help. Once you receive grant funding, you must comply with the program guidelines or you may be obligated to repay the money. A HUD-approved housing counselor can help you determine which home refurbishing grant program is most appropriate for your needs.

USDA Rural Repair Grant

The U.S. Department of Agriculture provides home repair grants to seniors aged 62 or older. The senior can get up to $7,500 to correct health and safety deficiencies on his property. The grant can also be used to modernize the home with new carpet or paint. This program is for very-low income seniors. The homeowner's income cannot exceed 50 percent of the area median income to qualify for a grant. The home must also be located in a USDA-designated rural area of the country for the senior to qualify for help.

Neighborhood Stablization Program

The Department of Housing and Urban Development's Neighborhood Stabilization Program provides grants to states and non-profit agencies to purchase and rehabilitate foreclosed homes. As of June 2011, HUD has allocated $6.82 billion to more than 600 grantees. This program's goal is stabilize neighborhoods that have been hurt by abandoned homes and blight. The homes are renovated and put on the market at an affordable price. Families in the low-to-moderate income range are eligible to purchase these homes. You can find a list of grantees in your area that administers the NSP funding on the Neighborhood Stabilization Program Resource Exchange website.

Specially Adapted Housing Grants

The Department of Veterans Affairs provides specially adapted housing grants to veterans with a service-related disability. The veteran can qualify to receive up to $63,780 to specially adapt his home, or purchase a home to specially adapt. To qualify for a grant, 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. Typical adaptations include installing grab bars, lowering fixtures for more convenient access or widening doorways. Veterans with less severe injuries can apply to receive a grant up to $12,756 to specially adapt a home.

Weatherization Grant Program

Owners of federally assisted housing units can apply for a weatherization grant. Renters can also apply to have their housing unit weatherized. These Department of Energy grants are intended to help low-income families save on the costs of their utility bills with more efficient systems. To qualify for a weatherization grant, the family's total household income cannot exceed 200 percent of the federal poverty level. Landlords qualify for a grant if 66 percent of the households in the building meet the income requirements. Typical efficiency measures include installing insulation, replacing heating and cooling systems, or reducing electrical base load consumption. The average annual savings is $350 per household.

Tags: qualify grant, specially adapt, adapt home, cannot exceed, cannot exceed percent

Job Description For An Apprentice Plumber

Plumbing jobs are expected to grow by 16 percent by 2018.

Apprentice plumbers assist in the assembly, installation and repair of plumbing, water flow and drainage systems in accordance with city, state and federal plumbing codes. This may include everything from digging trenches for new pipeline to installing new hardware for faucets, showers and toilets in residential homes, commercial buildings and industrial facilities. Additionally, apprentice plumbers may be required to assist journeyman plumbers in basic electrical wiring duties.

Training and Advancement

According to the Bureau of Labor Statistics, most plumbers enter the field through a combination of union and privately administered apprenticeships and coursework at community, technical and vocational colleges. Most plumbing apprenticeships can last anywhere from four to five years and may include up to 144 hours of related college coursework. As a plumber apprentice becomes more experienced, and earns his journeyman plumber's license, he may be eligible for supervisory positions in the field.

Skills

Apprentice plumbers must have excellent math skills, manual dexterity and the ability to use the tools of the plumbing trade. This may include everything from plumbing snakes, augers, drills, saws and general carpentry hand tools such as hammers, measuring tape, levels and screwdrivers. Plumbing apprentices must be able to take and follow precise orders from their supervisors. This requires the ability to listen very carefully and communicate effectively if there are any issues caused by an apprentice's lack of experience.

Work Environment

Plumbers work in residential, commercial, industrial and public settings. Basically, they work wherever water and/or sewer systems need to be installed, maintained or repaired. Plumbers work in wet, muddy and odorous conditions. Plumbing apprentices are often responsible for digging ditches for new pipelines. Additionally, removing and installing plumbing systems requires the repetitive heavy lifting of pipe and miscellaneous plumbing hardware.

Salary

According to PayScale.com, the average plumbing apprentice makes anywhere between $12 and $17 per hour based on their qualifications, skill level and experience, as of June 2010. This translates to roughly $25,000 to just over $38,000 per year.

Job Growth

According to the Bureau of Labor Statistics' 2010-2011 Occupational Outlook Handbook, the plumbing industry accounted for just under 500,000 jobs nationwide. The handbook stated that the plumbing industry is expected to grow by about 16-percent through the year 2018. This is a faster growth rate than the majority of occupations and careers surveyed by the BLS. This growth rate translates to nearly 76,000 more plumbing jobs by 2018.

Tags: According Bureau, According Bureau Labor, Bureau Labor, Bureau Labor Statistics, everything from, expected grow

Repair A Cinderblock Home Foundation

Cinderblock home foundations are generally strong and water-resistant, but with time, they can develop leaks and cracks. These problems are difficult to repair and might indicate greater issues with the house's structure, but you can attempt to repair smaller leaks and cracks. You can learn repair these problems in a cinderblock home foundation in a few steps. Does this Spark an idea?

Instructions

Leaks

1. Examine the leak to determine its location and seriousness. If the leak is small and is not causing damage to your home, you may not want to spend time and effort repairing it.

2. Dig a large, deep trench along the exterior wall of the home where the leak is present. The hole should go all the way to where the foundation meets the earth. It should be wide enough for a person to stand in.

3. Mix the cement plaster so it is a smooth, spreadable consistency. Climb into the hole with the cement and a flat trowel.

4. Spread the plaster across the entire affected wall in a thick, even layer. Wait two to three days for the mixture to dry.

5. Apply another thick, even layer of foundation tar, using the flat trowel. Wait another couple days for the mixture to dry.

6. Insert a section of drainage tubing into the ditch to divert water from the foundation.

Cracks

7. Look at the crack. If it is wider than an inch, you may need to call a professional to look at the house's structure. If it is smaller, continue with the repair.

8. Create a dry cement plaster mixture. Make sure it is so dry that there are still parts of dry concrete in the mixture.

9. Insert as much cement into the crack as you can. Make sure it is completely full, and then smooth the surface of the crack using a flat trowel.

10. Wait one to two days for the crack to dry before covering or painting over it.

11. Monitor the crack during the following months to see if it gets larger. If it does, call a contractor to take a look at your house.

Tags: flat trowel, cement plaster, days mixture, even layer, flat trowel Wait, house structure

Log Home Maintenance

Most log-home owners love the timeless rustic charm of their homes, yet in reality that timeless quality takes a bit of work to achieve. From the day a log structure is built, the battle is on against infiltration from water, fungi and insects. By taking a few, relatively simple steps each year, you can maintain and preserve your beautiful log home for generations to come. Does this Spark an idea?

First Line of Defense: Exterior Finish and Chinking

When your log home was built, a protective finish was most likely applied to the exterior log surfaces. The exterior finish gives your home its color, but more importantly it protects the wood from water damage as well as mold and mildew. Caulking or chinking was applied between logs to protect your home from insect, water and air infiltration. As a log-home owner, your primary goal is to maintain the integrity of the exterior finish and caulking.

Keep It Clean

Exterior-finish manufacturers recommend cleaning your log home once or twice each year. Dust and pollen can build up on the surface of the logs and actually grind down the exterior finish over time. Use a pressure washer on a low-pressure setting so as not to inadvertently strip away the exterior finish or purchase a log cleaning solution from an exterior-finish manufacturer. The Log Homes Council of the National Association of Home Builders offers a formula for a caustic solution that can be used with a hand-pump garden sprayer.

Inspect After Cleaning

After cleaning, make a careful inspection of the exterior logs.

Look for small holes, a sign of insect activity. There are many insects that attack wood, including termites, carpenter ants, carpenter bees, wood boring beetles and bark beetles. Most insect problems can be eliminated with regular pesticide treatments.

Check for water damage and rot. Water damage may appear as a stain typically on a wall exposed to sun and rain. Rot may appear as soft wood or wood that sounds hollow when tapped. Take special care to check corners, notches, log ends and any area not protected by a roof overhang. Treatment of water damage or rot can be as simple as stabilizing the area with an epoxy or as extensive as replacing logs.

Look for cracks that have opened up in the logs. Logs naturally expand and contract over time, which forms cracks. If the cracks are exposed to weather and face upward, then fill them with caulking sealant to prevent water damage.

Look for cracks or openings in the chinking or caulking between logs. Fill in any cracks with caulking sealant.

Consider the overall condition of the exterior finish and caulking or chinking. Exterior finishes can last as long as five years or as short as one year, depending on the finished product and the conditions in and around your log home.

Tags: your home, exterior finish, water damage, between logs, caulking sealant, each year

File A Homeowner'S Insurance Claim

Even a few inches of flood water can cause extensive damage to your home.

Homeowner's insurance protects you in case of damage to, and injuries on your property. A homeowner's insurance policy can be expensive -- the full price depends upon your residence's location, type and the options you select. If you need to make a homeowner's insurance claim to recoup losses, make sure you have all the information about the incident and that your loss is covered by your plan. Many homeowners' insurance plans may not cover flood damage, for example, unless you add it as a supplement for an additional fee.

Instructions

1. Collect any proof of damages that you need. If you are claiming any injuries, get medical records and doctors' bills, as well as pictures of where on the property the injury occurred. If you're filing for theft, obtain a copy of the police report, bills for any damages you've already paid for and receipts or appraisals of expensive items that were taken. If the claim is for weather damage, take several pictures or videos of the damage from various angles. For property or contents that have sustained damage, do not discard items -- the claims adjuster needs to inspect everything.

2. Contact your insurer immediately, even if the event happens on a weekend or during the night. Explain that you need to make a claim on your homeowner's insurance policy. Each insurer has its own process for filing claims, and larger insurance companies may offer online claim filing and 24-hour claims telephone operators. Refer to the section of your homeowner's insurance policy that covers your loss for specifics.

3. Make arrangements to get the claim paperwork from your insurer. Pick it up in person, download it online or have it mailed to you. Fill it out completely, describing the incident thoroughly and clearly.

4. Set a time for an insurance adjuster to come view your property and assess the damages. Work with your insurer to choose a workable appointment time for yourself and the company adjuster.

5. Ask if your policy covers an independent insurance adjuster. Having a second adjuster - one that isn't being paid by your insurance - to assess the damage and decide what should be covered can be valuable, and many times the cost of the adjuster is covered by your policy. Independent adjusters tend to charge about 10 percent of the value of your total claim, so it's worth trying to see if this cost is covered as well. Find an independent professional through the National Association of Public Insurance Adjusters.

6. Monitor your claim by contacting your insurance provider once every 10 days until the claim is settled. Allow inspectors to access your property as needed and promptly respond to any request for forms or additional information.

7. Review your adjuster's settlement offer and don't be afraid to negotiate. Insurance adjusters use average replacement cost software to compile your settlement amount, which means that they could underestimate some of your home's specific replacement costs. When you receive a settlement and your first claim check, only cash it if you agree with the settlement amount. Otherwise, document why you should receive a higher settlement, and file an appeal with your insurance company.

Tags: homeowner insurance policy, insurance policy, your insurance, your insurer, your property

Repair Kitchen Sink Pipes

Despite drain assemblies' awkward, under-sink location, removal and replacement are quick and straightforward.

Kitchen sink drain assemblies commonly consist of threaded, plastic drain pipe components. A roughly L-shaped pipe connects the wall drain to a curved P-trap, and a straight pipe extension attaches the P-trap to the sink's strainer. Fortunately for the novice plumber, standard plastic drain pipes connect via threaded fittings that loosen and tighten by hand or with basic tools. Importantly, under-sink drain assemblies are available in either 1 1/4 or 1 1/2 inch diameters; if you're replacing an existing drain assembly, measure the pipes' diameter prior to purchasing replacement components. Does this Spark an idea?

Instructions

1. Place a bucket beneath the kitchen sink's drain assembly to catch water; the assembly's P-trap holds waste water, so you must use a bucket to catch this water during drain repair. Wrap a rag around the nut that secures the P-trap to the sink basin extension.

2. Twist the nut counterclockwise to loosen. If you cannot loosen the nut by hand, attach an adjustable wrench or pipe wrench to the nut and loosen the nut with the wrench. Wrap the rag around the nut that secures the P-trap to the wall drain extension. Loosen the nut by hand or with a wrench.

3. Allow water to drain into the bucket from the P-trap. When the water slows to a trickle, slide the P-trap away from the extension pipes and remove the P-trap from the drain assembly. Dump water that remains in the P-trap into the bucket and discard the P-trap.

4. Loosen and remove the nut that connects the sink basin extension pipe to the sink strainer. Loosen and remove the nut that connects the wall drain extension pipe to the wall drain pipe. Discard the old pipes.

5. Press the flange end of the replacement sink basin extension pipe into the sink strainer's opening. Slide the pipe's washer onto the pipe's smooth end, followed by the nut. Press the washer and nut against the strainer's threads and twist clockwise to tighten the nut onto the strainer and secure the extension pipe to the sink basin.

6. Slide a washer and compression nut onto the smooth end of the replacement wall drain pipe extension. Position the nut's threads facing the curved end of the pipe. Slide the wall drain pipe extension's second nut onto the smooth end of the pipe with the threads facing the smooth end of the pipe. Slide the second washer onto the pipe.

7. Insert the smooth end of the wall drain pipe extension into the wall drain and thread the extension's nut onto the wall drain's male threads. Position the replacement P-trap's short side beneath the extension pipe's curved end. Thread the extension pipe's loose nut onto the P-trap.

8. Rotate the P-trap to position its open end beneath the basin extension pipe. Slide a compression nut and washer onto the open end of the basin extension pipe. Slip the basin extension pipe into the P-trap and slide the washer and nut against the P-trap's threads.

9. Thread the extension pipe's nut onto the P-trap. Tighten all connections until hand tight. Run water through the drain assembly to check new connections for leaks.

Tags: extension pipe, wall drain, basin extension, basin extension pipe, drain pipe, drain assembly, pipe extension

Develop A Maintenance & Repair Contract

If you want to provide maintenance and repair services as part of your business, you'll need to develop a maintenance and repair contract. This is for your protection and the client's protection, so that you get paid, and your client gets what she's paying for. Developing a maintenance and repair contract is a process of figuring out precisely what you want to provide and what you want to get in return for the service.

Instructions

1. Write down the types of maintenance and repair work you'll provide. For example, if you're providing maintenance and repair services for computer systems, write down every possible part you'll maintain and repair along with what hours you'll work.

2. Write down what services your agreement won't cover or services that cost extra. In the computer system maintenance and repair example, you may not want to provide maintenance and repair coverage for laptop computers, unless the client's willing to pay you twice your normal rate.

3. Determine what rate you'll charge the client, and what the rate's based on. Your rate might be a flat rate, an hourly rate with a fixed minimum number of hours or a combination of these approaches. Ensure that you'll earn what your work is worth while providing a competitive rate to your client, so that she chooses you over a competitor.

4. Show your contract to your client, and determine if you need to negotiate or change anything. Depending on your experience level with negotiations, you may wish to bring in a third party, such as an attorney, to help in this type of negotiation.

5. Sign the final contract, and have your client sign it, as well. Once the contract is signed, you have a legal obligation to provide the services that you agreed to provide, and your client has an obligation to provide the payment that was agreed upon.

Tags: maintenance repair, your client, want provide, maintenance repair contract, maintenance repair services

Do It Yourself Well Repair

Wells can often have problems due to inadequate water supplies, clogs in the pump system and wiring problems. Many problems with a well can be fixed by a knowledgeable homeowner. If you do not want to spend hundreds of dollars to have your well repaired, then consider a few do-it-yourself well repair tricks that could get your system working again. Does this Spark an idea?

Pipe Fixes

The pipe, which runs down the length of the well hole to the bedrock can often be a source of problems. Sections of pipe can be pulled up and removed if they are cracked or leaking. Many times, pipes can be replaced by removing just the broken section and fitting it with another pipe.

Electrical Fixes

Electrical problems may also be the source of your well pump problems. If your pump is not operating, there may be a problem with wiring inside the pump or in the circuit above ground. First, flip the circuit breakers to see if that solves the problem. If not, the circuits may be blown and should be replaced. Wiring to the pump can also be checked for problems by using a voltmeter to check the resistance readings. This is also how technicians find out if a well pump is faulty. They will attach a voltmeter to the wiring leading down to the well and read the resistance levels. If they are too low or non-existent, then the motor is bad and must be replaced.

Checking the Prime

Sometimes a well can lose prime. By removing the pitless fitting or priming plug which is located a few feet down inside the well hole, you can see if the well is at least drawing water. If there is water in the pipe, it means the pump is producing some pressure. If not, the well must be re-primed.

Tags: well hole, well pump, your well

Direct Housing Financial Aid For The Disabled

The Fair Housing Act prohibits discrimination against disabled persons wanting to rent or buy a home.

The federal government has established several housing assistance programs to help individuals with disabilities. Acceptance into some programs is based on income, and other programs are designed to help military servicemen and veterans. Some nonprofit organizations also provide housing assistance to eligible disabled households. Assistance includes help with rent, help for the homeless and assisting veterans with home ownership and home modifications.

Public Housing

The United States Department of Housing and Urban Development (HUD) offers the Public Housing program to eligible low income, disabled households. Program eligibility is based on your household income and disability. To qualify for assistance, you must have U.S. citizenship or eligible immigrant status. You must meet HUD income guidelines. Income limits are determined by geographical location, meaning you may qualify for assistance in one county but not in another at your income level. You can apply for pubic assistance with your local Public Housing Agency (PHA). As a disabled person, you are able to deduct $400 from you annual income, which is used to determine eligibility. If you qualify, you are responsible for finding suitable public housing that meets HUD requirements. The rent you are required to pay is based on your annual income, but is no less than $25 per month.

Housing Vouchers

The designated housing vouchers provide rental assistance to eligible non-elderly, disabled persons. To qualify for the voucher, you must not receive any other form of housing assistance and live in a certain development where the owner has preferences for elderly occupants. The voucher is for families already on the waiting list of a covered development housing unit. Only certain real estate developments fall under the category of Section 8 new construction projects and housing under Section 202 of the Housing Act of 1959. Your household income cannot exceed the income guidelines established by HUD for your area. You are responsible for finding a unit that meets program requirements. If your rent exceeds what your PHA will pay, you are responsible for paying the difference to the owner.

Military and Veterans

The United States Department of Veteran Affairs offers several housing grants for servicemen who've suffered a disability in the line of duty. The Specially Adapted Housing (SAH) grant program is used for the construction of new homes and the modification of existing homes. Eligible veterans can receive funds up to $50,000. To qualify for the SAH grant, veterans must have a disability that is permanent and total. The Special Home Adaptation (SHA) grant is available to eligible veterans to modify existing homes to meet their adaptive needs. The SHA grant is available up to $10,000 for veterans who have suffered blindness in both eyes or the loss of use in both hands or arms below the elbow. The Temporary Residence Adaptation (TRA) grant is available to disabled veterans living with family members. Eligible veterans can receive funds up to $14,000 to modify a family member's home.

Homelessness

The federal government offers the Shelter Plus Care program to provide long-term rental assistance to disabled homeless individuals. Priority for assistance is given to disabled persons suffering with mental disorders, chronic problems with drugs and alcohol, and individuals diagnosed with AIDS. The Shelter Plus Care program offers a variety of housing options to eligible individuals, including housing with rehabilitation programs and tenant-based rental assistance.

Tags: disabled persons, grant available, housing assistance, Public Housing, rental assistance, Adaptation grant

Repair An Echo Chainsaw

Get your Echo chain saw running again using a few troubleshooting methods.

Echo chain saws use a small engine to pull a bladed chain across a surface. This chain cuts the surface with little resistance. These chain saws are mostly used on trees or in a construction environment. If you are having problems with your Echo chain saw, there are several things you can do before you take the unit to a repair shop. You don't have to be a technician to get the saw working again. You can do it yourself. Does this Spark an idea?

Instructions

1. Check the gas level in the gas tank. This is on the side of the chainsaw and can be viewed through the translucent gas tank. Fill the gas tank with a 50:1 gas to oil mix.

2. Open the air filter cover and pull the air filter out of the chainsaw. Use your hand to knock the dust and debris off of the air filter. If you see any tears or breaks in the filter, replace it with a new one from a local hardware store.

3. Use you hands to pull on the starter cord. If your starter cord gives off resistance then it has compression. If your starter cord does not give off resistance, the motor will not start. In this case, the motor may need to be serviced by a qualified technician.

4. Open the spark plug cap and use a wrench to unscrew the spark plug from the unit. Clean the spark plug with a little bit of diesel gas and a toothbrush. Put the spark plug back into the housing and try to start the saw. Replace the spark plug if the saw still won't start.

5. Remove the air filter cover and then remove the air filter from the saw. Use your finger to open the small metal flap inside the hole. This is the carburetor. Spray some starter fluid into the carburetor and then replace the air filter and the air filter cover.

Tags: spark plug, Echo chain, filter cover, starter cord, chain saws, with little

What Causes Damage To A Flat Screen Tv

Flat screen TV screens are extremely delicate and must be handled with care.

Flat screen TV's, both LCD and plasma, have very sensitive screens. In some cases, damage to pixels or screens can be repaired, but in many cases screen damage can't be fixed and you'll have to replace the set. It is important to take all precautions and properly maintain your flat screen TV to prevent damage.

Blunt Trauma

Once pixels on a flat screen TV or the screen itself have been damaged by trauma they are extremely difficult to repair and often times require the services of a professional or replacement. Trauma can occur while moving or transporting the television, or placing it in a high traffic area. Take all possible precautions to avoid touching the screen -- let alone hitting it with your hand or a object. If you're moving the TV, manufacturers recommend covering it with a soft cloth to prevent scratching and storing the TV upright, rather than flat or on its side.

Surge Protection

Flat screen TV's use a considerable amount of energy when compared with other home electronics. Fluctuations in electricity levels, either from problems with your energy provider or from connectivity issues in your home, can fry circuitry and damage pixels. Using a surge protector at all times helps to mitigate this threat.

Burn-In

Burn-in occurs on a screen when a static image is prolonged on the screen for an extended period of time -- the pixels on the television become stuck in a fixed position, leaving a shadow or permanently displaying the image. Although manufacturers have largely added features to eradicate burn-in, it can still occur with menu screens, gaming, or when borders are present around programming. Be sure not to leave a static image, like a paused movie, on the screen for extended periods of time, and don't leave menu screens idle for too long.

Extreme Temperatures

Extreme heat, cold, humidity, or moisture can permanently damage the display a flat screen TV. Humidity can short out circuitry inside the TV, while extreme heat or cold can disrupt the ability of the pixels to change color properly. If you must move or store a flat screen TV for extended periods of time, it's best to keep it in a climate-controlled situation.

Tags: screen extended, damage pixels, extended periods, extended periods time, flat screen