Clothes Dryer

There are two types of clothes dryers one is gas the other is electric. The gas dryer is half gas and half electric, the gas is used for lighting a flame to create the heat to dry the clothes, the electric is used to operate the motor, timer, ignitor, coil kit and thermostats.

The gas dryer has more working parts than the electric dryer, when there are more working parts there is a greater chance of something breaking, the gas dryer does break down more frequently than the electric dryer.

The electric dryer use 220 volts to operate the heater element only, all the other parts use 110volts. Both gas and electric dryer have some basic parts: motor, timer, belt, thermostats, and thermal fuse.

These are the functions of each part.

The motor turns the belt that is on the basket, the timer sends the desired voltage to each part for the desired time that it is set on, the thermostat maintains the desired temperature and the thermal fuse shuts down the dryer if the thermostat fails.

A common problem with both gas and electric is clothes taking a very long time to dry, lint building up in the exhaust vent hose is sometimes the reason. The best way to check if the exhaust is partially blocked is to turn on the dryer. Then go outside to where the vent is, put your hand close to the vent, if there is little or no hot air coming out out, your vent hose is blocked. There should be a strong flow of hot air coming out. Sometimes birds build their nest at the vent opening because of the warm air they find coming out of it. Also if the vent comes out near the ground it sometimes get covered by snow.

Vacations in Punta Chame With Romantic Ambiance and White Sand Beaches

When you feel that the hectic schedule of life is burdening you with myriads of tensions and anxieties which are affecting your potentialities and performance it's advisable to take a short holiday from work or business and spend some quality time with your near and dear ones at a beautiful location. There are many exotic places where you can go for a dream holiday but if you prefer the realms of nature, white long stretches of sand and pristine beaches which create that romantic and mystic ambience which you enjoy the most then you are most welcome for a vacation in Punta Chame which will surely live up to your expectations and give you a wonderful and memorable holiday.

With romance in the air and elegance and beauty all around you are sure to feel the adrenaline rising and if you are a sports freak then along with natural beauty and romantic ambience you have the option of water sports like Kite surfing where you can ride the crest of the huge waves and enjoy the deep blue pacific all around you. Punta Chame is a beautiful finger shaped peninsula which is located from a short distance from the famous tourist destination the Panama City which welcomes tourist all year around with beautiful locations and a pleasant climate. Along with the enjoyment if you are looking for a wonderful accommodation to match your mood and offer a luxurious living then Punta Chame hotel is the ideal option where you various services which are sure to give you a wonderful time during the vacations. The rooms of these hotels have beautifully decorative interiors with white bed linens and exotic decoration which will add to the fun and enthusiasm in the air as well as in your relationship.

The whole view reminds you of country living where you will find horses, cattle and rolling mountains and also huge stretches of green pastures and with the ocean on the other side you can enjoy and ideal holiday with lots of privacy and no disturbance from the outside world . The beautiful palm trees on the ocean side where the blue waves peeks through the long trees is a wonderful view which is made even more enchanting when the cool breeze blows on the mountainside and there are huge waves on the oceanic surface.

So if you are looking for an idyllic holiday which can refresh your mind and still some new and memorable experiences for your lifetime then a vacation at Punta Chame is must.

Life Insurance 101, An Explanation of Various Types of Life Insurance

TERM LIFE INSURANCE – Life insurance for a set number or years. You can choose from 5 to 30 year terms. No cash value, if you die during the term you collect the death benefit. The policy dies after the selected term has ended and you receive nothing unless you have a, return of premium rider or you convert the policy to some form of permanent insurance.

RETURN OF PREMIUM TERM INSURANCE (ROP) – A term insurance policy that returns all or a portion of premiums paid at the end of the term if the death benefit has not been paid.

SIMPLIFIED TERM INSURANCE – Term insurance which uses a simple application. Underwriting is done electronically. No underwriting requirements by the applicant unless red flags arise out of the electronic underwriting process. Policy is usually issued much quicker than regular term. There is a limit of death benefit for this type of policy ($350,000 or less) depending on the insurance carrier. This type of policy is generally more expensive because of additional risk by the insurance carrier. Less underwriting =more risk.

CRITICAL ILLNESS INSURANCE – Applied for as a stand-alone policy or as a rider to another life insurance policy. Pay immediate benefit for a covered illness even if death does not occur.

ACCIDENTAL DEATH INSURANCE – Pays benefit in event of a covered sudden accidental death. Applied for as a stand-alone policy or as a rider to another form of life insurance.

MORTGAGE PROTECTION INSURANCE OR DECREASING TERM INSURANCE – Term insurance that pays the balance of your mortgage should death occur. The amount of death benefit decreases to match the amount owed on mortgage. The insurance is set up to end at the same time your mortgage is set to end.

UNIVERSAL LIFE INSURANCE (non variable) – Flexible premiums. Can be a permanent insurance as long as premiums are paid and policy is funded properly. Investment policy in which risk lies with insurance company.

Has a minimum guaranteed interest rate which differs by company. This policy has the ability to gain contract value. The death benefit can be set to level (death benefit stays the same throughout) or increasing (death benefit increases as contract value rises). You may obtain loans or make withdraws but you must be careful, if the policy is not funded, it will collapse.

VARIABLE UNIVERSAL LIFE INSURANCE – Agent must have securities license to sell. Very similar to non-variable universal life. The difference is that the policy owner assumes investment risk. There is no guaranteed interest rate. Policy can collapse if investment does not do well and policy is not funded properly.

WHOLE LIFE INSURANCE – Simply put, you pay the premium and the policy will last your whole life. You usually have an option to borrow against the policy, amount depends on the value of the policy. This type of policy is usually much more expensive than the universal life policy.

GRADED BENEFITS WHOLE LIFE – Partial or no benefits paid until a named or tiered waiting period has passed. If you die before the waiting period has passed, you usually will receive the return of your premium payments with some sort of interest.

FINAL EXPENSE WHOLE LIFE INSURANCE – This type of whole life insurance is aimed at burial and funeral expenses and other final expenses. Usually, no medical exam required and death benefit is limited to $50,000 or less.

SINGLE PREMIUM WHOLE LIFE – This whole life policy is paid for by a single lump sum payment. In return the beneficiary receives a larger death benefit than the payment.

THINGS TO CONSIDER: You may be interested in mixing and matching different types of policies. For example; There is a need for 500k immediately. As time goes on, the kids have graduated college and are out of the house, the house is almost or totally paid off. Now the need is less. In this example you may want to purchase a 330k universal life and a 20 year 200k term. This plan will save you money and still protect your family for life.

Or, you may want to mix term, critical illness, accident, universal life, or whole life in various ways depending on your needs.

RIDERS:

Waiver of Premium Rider – pays life insurance premium if you become disabled and can’t work. There is usually a waiting period and rider usually expires at age 60 or 65.

Critical Illness Rider – Rider is explained above.

Return of Premium Rider – Rider is explained above.

Guaranteed Insurability Rider – this rider allows you to purchase an additional amount of life insurance at a later date without having to prove insurability again or take another medical exam.

Term Conversion Rider – allows you to convert a term insurance policy into a permanent policy without proving insurability again.

Accelerated Benefit Rider – this rider is only for permanent life insurance policies. This rider is usually included automatically for free. It allows you to collect a portion of your policy’s death benefit if you become terminally ill with a short life expectancy, usually one year. The portion paid out is subtracted from you policy’s death benefit.

Accidental Death Benefit Rider – This rider pays in addition to the death benefit if you die from an accident.

Child protection Rider – Usually used to pay final expenses if the unthinkable happens. Often, at a nominal cost and purchased in units of $1,000.

UNDERWRITING: requirements depend on insurance carrier, type of policy, amount of death benefit, age, build chart, gender, medical history, medications, family history, motor vehicle report, and other factors.

An application is always required, although, non-medical policies usually have a simple application.

Requirements could be: Paramed (certified medical processor or nurse comes to your place of choosing, takes you through a medical questionnaire, measures your height and weight, takes blood and urine sample, possibly EKG either resting or non-resting), Medical information from your physician or hospital, Medical exam, etc.

HEALTH CLASSES – Typical health classes would be, Preferred Best, Preferred, Select Standard, Standard, and then different nicotine classes such as, preferred nicotine, select nicotine, and standard nicotine.

It is possible to be rated less than standard depending on health and underwriting factors.

You must qualify for a health class. This is chosen by the underwriter after the underwriting process is complete. The agent can only quote you the different health classes but this can change with the underwriting process.

The Secret of Successful Container Gardening

Container gardens are great, and a lot of people are starting to look at container garden ideas today for convenient ways that they can start one. If you don’t have a lot of space but you want to grow some vegetables, flowers, or plants, you need to check out container gardens and how they can work for you. You’ll be amazed how with the right steps and secrets, you’ll know how to grow a container garden that is flourishing and looks outstanding.

Have Containers that Work for You

The great thing with a container garden is that you can use any sort of container that you want. So, if you want to use a container that is a rubber boot, you can do that, and that draws a lot of people to this style of garden. But, no matter what container you are using, you need to make sure that there is proper drainage. There are a few different ways that you can create drainage, you can do a layer of rocks at the bottom so that there is room to drain where the roots won’t grow, or you can go ahead and put holes in the containers. You also need to make sure that the containers that you are using are going to be big enough, you need to have containers that are big enough for the size of the roots that are going to grow, otherwise the plant will die off or you will stunt the growth.

Have the Correct Soil and Light Conditions for What You’re Growing

The other factor that is really important with what you are growing and your container garden is having the correct soil and lighting conditions. With soil, you will find that you may need to have different soils for different plants, so one container may have a different pH than the other soil that is out there. Also, check the light conditions so that you know if the plants that you are growing have enough light. Different plants need different amounts of light, so it will depend on what you are growing in your container garden and how much light that they need. Generally, it is best to give them light that is less harsh, like morning light instead of afternoon light that can actually burn the leaves or harm the plants. Make sure that you have the right soil and light conditions so that your plants can flourish in it and grow to what you want.

Have a successful container garden with all the tools that you need, there are all kinds of little things that you need to do, but knowing these tips and tricks will make it a lot easier to handle. There are all kinds of little tips and tricks that will give you an extremely easy to grow container garden. See what works the best for you and use these container garden ideas to get a great looking container garden that is going to look amazing and be extremely functional, you’ll love it.