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Home insurance, which is sometimes also known as homeowner’s insurance (or HOI), or hazard insurance, is a type of property insurance which private homeowners can purchase in order to insure their home. These insurance policies generally combine a large number of protections which are important to any homeowner, such as loss of the home, the contents contained within the house, loss of certain other possessions, loss of use regarding the house, and generally some sort of liability insurance for accidents which can occur on the covered property (such as construction accidents).
Generally, home insurance uses a single premium for all of the different coverages it provides, and the cost of this premium depends on the value of the house, property, and any additional objects insured by the policy. This price is also affected by the proximity to things which would make the home in more or less danger, such as being near a fire station lowering the premium, or a volcano raising the premium (this is very important for anyone looking to compare home insurance in some states). id="more-10240">
Similar to automotive or health insurance, home insurance is usually a term contract, where the insured buys an insurance policy for a fixed period of time, although perpetual insurance policies are sometimes available. All of this is important to know for anyone who wishes to href="http://www.comparethemarket.com/home-insurance " target="_blank">compare home insurance.
Another factor which is important when you are going to compare home insurance is the ISO standardized insurance forms. The HO1 policy covers a home against the 11 most common perils for a homeowner, such as fire, vehicle-induced damage, or vandalism; floods and earthquakes are generally not covered in HO1 policies. HO2 policies include these 11 perils, plus 6 additional perils, which are all listed by the policy. HO3 policies are called “all risk” policies; flood and earthquakes are still not generally covered, but these policies cover any perils that are not specifically excluded, as opposed to HO1 and HO2 policies which only cover perils that are specifically named. HO4 is renter’s insurance, which covers the possessions owned by a renter from similar perils. HO5 is a premier homeowner policy which covers the same perils as HO3, but even more is protected at a larger price. HO6 is for condominium owners. Finally, HO8 is a type of insurance for occupants of older homes with a replacement cost that exceeds the property market value.
For most Americans, purchasing a home involves taking out a mortgage. Banks which give out mortgage loans require the prospective homeowner to take out a home insurance policy. Just buying the first home insurance this person comes across would be a terrible decision; with the insurance and housing markets the way they are in this day and age, any informed person would compare home insurance offered by multiple insurance agencies and compare home insurance policies offered by these agencies. Even for those endowed enough to afford purchasing a house without the hassle of taking out a mortgage from a bank, home insurance is a great idea to protect what is a major investment; these homeowners would still want to compare home insurance to ensure that they get the best deal possible.
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If you’re like me, winter is a time of barely-recognizable hands. Granted, I live in Calgary, home of 20% relative humidity and this week, -40 degree temperatures with the windchill (whether you use Fahrenheit or Celsius scales, it’s the same number). But even if you are in a more moderate climate, forced-air heating and cold weather can wreak havoc on aging nails and hands, not to mention hair. Not surprisingly, pharmaceutical companies sometimes do research in these extreme climates to find out what works.
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Published in the February issue of the American Journal of Preventative Medicine, the research examined whether exercising on a ‘cybercycle’ would offer greater protection against cognitive decline when compared with exercise alone.
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An optimized 3D inkjet printing process is demonstrated for structuring alginate into a tissue-like microvasculature capable of supporting physiological flow rates. Optimizing the reaction at the single-droplet level enables wet hydrogel droplets to be stacked, thus overcoming their natural tendancy to spread and coalesce. Live cells can be patterned using this process and it can be extended to a range of other hydrogels. _Advanced Materials
The dream is to be able to rapidly grow replacement tissues and organs, to allow for easy autologous replacement for a wide range of clinical reasons and circumstances — including life extension regenerative treatments.
…Thus, it would take just under 2 hours to print a 1 cm thick tissue precursor graft and just over 5 h 30 to print a 3 cm thick kidney precursor. _Advanced Materials PDF
Swiss scientists are using a special inkjet printer to assemble three dimensional living constructs that resemble living tissues. They are still in the early stages of the research, but are achieving some interesting results.
They are working on a technique that should eventually allow them to “print” living constructs resembling human tissues in which cells can develop and interact in a coordinated and physiological manner. Their research results have recently been published in the scientific journal Advanced Materials.
“We have not yet created tissue, strictly speaking,” explains Professor Jürgen Brügger, head of EPFL’s Microsystems 1 Laboratory. “At this stage, we have essentially studied a way in which to structure biological materials in three dimensions; this research will improve cell culture and then will eventually be used as a base for creating tissues.”
…To make up a coherent whole, the cells need an environment that provides the right kinds of signals that induce very specific behavior in each of the cells – proliferation, migration, differentiation or death. In natural tissues, these signals come from molecules that make up a complex extracellular matrix (ECM). By studying the connections and communications taking place between cells and between cells and ECM molecules, the scientists were able to reconstruct this matrix and thus create a new kind of biological ink.
On a technical level, the researchers from EPFL’s two Microsystems Laboratories – under the leadership of professors Jürgen Brugger and Philippe Renaud – focused on developing a gel that could be used as a base from which the tissue could be constructed, as well as a strategy for printing droplets.
…Even though it will still be quite some time before tissue can be constructed, this technology could lead to very promising applications on the medium term. “ An exiting avenue would be to develop 3D constructs that function like human tissues and could be used as models for testing new drugs,” says Lutolf. “This is not only very interesting in a biological sense, but could also reduce the need for animal testing.” _Physorg
Learning to create life-like 3 dimensional cell cultures for research, and learning to create 3-D lab-made living tissues for replacement, are not quite the same things. But the two lines of research are likely to borrow from and contribute to each other, extensively.
This research used fibroblasts. Future research is likely to use a variety of stem cells and other precursor cells for various cell types.
Non-fluorescent NIH 3T3 fibroblasts were used in this printing as to be compatible with the fluorescent Live-Dead assay. The cells were suspended in culture medium supplemented with 0.8% wt. non-fluorescent alginate at a concentration of 1×10 6 mL -1 . Cells were inkjet printed onto 2% wt. gelatin substrates prepared with 0.9% wt. NaCl and 10 mM CaCl2, prepared in a 96-well plate. All cells were incubated for 4h before Live-Dead staining. _Advanced Materials
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Are you curious as to what is the best way to eliminate credit card debt? Well, you’re not the only one. If you can’t pay-off your monthly liabilities entirely on your own, or send payments well above the minimum required, then debt negotiation (also referred to as debt elimination) is the most effective strategy of debt elimination.
What is debt elimination? It’s the art of negotiating with your credit card lenders in order to substantially reduce the balance of your debt-load. Reducing your debt-not reducing your interest rate is the best way to eliminate credit card debt!
Debt negotiation is the best way to eliminate credit card debt for the vast majority of people that have an excessive amount of unsecured debt. Debt elimination is the best option for debtors that dug themselves in a hole by accumulating too much unsecured debt.
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Pros:
Cons:
Although debt settlement affects your credit, it’s only temporary. Credit scores are constantly changing. It’s possible to raise your credit score 50 points or more in one month!
Besides, a credible debt negotiating firm should offer you a free, comprehensive, credit repair program that should increase your FICO score.
They know that most people don’t know the law. Therefore, many debtors will get scared and pay the debt collectors in full. That’s exactly what the debt collectors want.
Debt collectors don’t want to plead their case in court. It’s too expensive and risky. Think about it. They would have to hire an attorney to represent them. Also, there are court costs, administrative fees, and a substantial amount of labor involved. As you can see, this adds up to thousand of dollars. Consequently, it makes no sense to spend $ 5,000 to sue someone for an unpaid debt of $ 4,000!
Even if the debt collector wins the case there’s no guarantee that the debtor has the ability, or the desire to pay. In addition, there’s no guarantee that they will win the lawsuit if the debtor can prove that the debt collector violated federal or state law, the judge may throw the case out of court.
So, as a result, many debt collectors would much rather negotiate a settlement or a payment plan before going to court- especially if they know that you have an attorney on your side to consult with.
The last potential negative aspect of debt negotiation is the chance of hiring an unethical or inexperienced company.
In order to dramatically reduce the possibility of choosing the wrong firm, do some homework and check the following:
Bureau, the Department of Consumers Affairs, the Federal Trade Commission, and your state’s General Attorneys Office. It’s also smart to do a Google search and view the “rip-off report”.
If eliminating debt fast, and lowering your monthly payment is most important to you, then debt negotiation may be the best way to eliminate credit card debt.
class="shr-publisher-10230"> style="clear: both; min-height: 1px; height: 3px; width: 100%;"> class='shareaholic-like-buttonset' style='float:none;height:30px;'> class='shareaholic-fblike' data-shr_layout='button_count' data-shr_showfaces='false' data-shr_href='http%3A%2F%2Fconsumerboomer.com%2Fhow-do-you-really-get-rid-of-your-credit-card-debt%2F' data-shr_title='How+Do+You+REALLY+Get+Rid+of+Your+Credit+Card+Debt%3F'> class='shareaholic-googleplusone' data-shr_size='medium' data-shr_count='true' data-shr_href='http%3A%2F%2Fconsumerboomer.com%2Fhow-do-you-really-get-rid-of-your-credit-card-debt%2F' data-shr_title='How+Do+You+REALLY+Get+Rid+of+Your+Credit+Card+Debt%3F'> style="clear: both; min-height: 1px; height: 3px; width: 100%;">Once all the essential expenses are taken care of, just about everyone has a limited amount of money available every month. Mana ...
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One in three American adults is obese; in Canada, it’s almost one in four. This epidemic of obesity is now starting in childhood, shortening the lives of adults in both countries.
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When it comes to behavior changes to enhance your longevity - quit smoking, eat well, exercise regularly, reduce stress - motivation remains one of the toughest nuts to crack. You may know exactly what you need to do, but getting off the couch and doing it is something else altogether.
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A person may “live” between 70 and 80 years, but only truly experience a relatively few years of life. After subtracting the time a person spends either sleeping, intoxicated, childhood / adolescence, or declining senescence, very few optimally productive years of time may be left.
An herbal chemical has been discovered which may well allow us to reduce our impairment from alcohol intoxication, giving us more time to appreciate, enjoy, and profit from our lives.
Led by Jing Liang from the University of California, researchers began looking at different herbs that have natural anti-alcohol properties. They found descriptions of anti-alcohol properties of the Asian tree Hovenia dulcis that dated back to 659. These descriptions listed it as a prime hangover remedy.
The main ingredient in Hovenia dulcis is known as dihydromyricetin, or DHM. The team of researchers used rats to test out the effects. Rats react similar to humans when it comes to the effects of alcohol so they are a perfect candidate.
The rats were given the human equivalent of 15-20 beers in a time frame of under two hours. As expected, the rats passed out drunk and lost the ability to flip themselves over when placed on their back. Within an hour, the effects of the alcohol started to wear off and they were able to again control their bodies.
When the rats were given the same alcohol with a shot of the DHM, they still eventually lost the ability to flip over but it took a longer time period and they were able to recover from the effects in about 15 minutes.
The effects of the DHM went beyond that though. Two days after the alcohol consumption, the rats that were given the DHM showed less signs of hangover symptoms such as anxiety and seizures.
The other noted result was the reduction in addiction. When the rats were allowed to drink freely, they would gradually start consuming more. However, those rats that had received the DHM did not increase consumption. _MedicalXpress
The promise of this herb goes far beyond a treatment for alcohol addiction. It promises to give us back a great deal of the time that we voluntarily sacrifice to alcohol — and the aftereffects of alcoholic indulgence.
How many bad choices do people make under the influence of alcohol, which lead to further destruction of our time and our lives — as well as the premature ending of many innocent lives?
Earlier we looked at ways that we may safely reduce our sleeping time — thus adding years to our lives. If we can also reduce much of the time wasted by intoxicants, we may well have added significantly more profitable time to our lives.
Life extension is about more than simply “living” more years. It is also about truly living the time that you are alive.
http://www.jneurosci.org/content/32/1/390.abstract: Article abstract link
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While I do not always write about them, at any given point in time I generally have one or two “mini-perseverations” going on (for lack of a better phrase). Usually they involve something along the lines of, say, ingredients labels (pertaining to some specific product or another; in the past it was vitamins, currently it’s cat food!), or different types of electrical outlets.
Lately, though, I have developed a bit of a fixation on “before and after” pictures — in particular, before and after pictures of room interiors. There is just something tremendously fascinating to me about taking the same space and making it look completely different, just by changing the “trimmings” or parts of the structure. And I have also always had sort of a “thing” about wanting space to be used well. When a room is “wrong” I find it very hard to do much of anything in it, whether because there’s something sense-scrambling about the configuration or because things are just laid out in a way that makes organizing things logically really hard, if not impossible.
(That said, I have to also note that I despise rearranging furniture for the mere sake of rearranging. I used to go into something of a panic as a child, when my mother did this. Once I have stuff where it ought to be, I tend to leave it there!)
Anyway, I was going through some photos today and realized I had a few interesting before-and-after shots of parts of my house. And because this blog has definitely become, shall we say, a bit eclectic lately (ever since I stopped worrying about making each post Profoundly Important And In Service Of Some Lofty Larger Goal, not that there’s anything wrong with blogging that way, but attempting to do so was giving me massive writer’s block in my case), I figured I might as well post them here. So if you are also into this sort of thing, enjoy!
This was how the part of the kitchen nearest to the living room looked when we first saw the house (prior to actually moving in). There had clearly been a lot of staging done (everything had been very recently covered with bright white paint, and select pieces of the original owner’s antique furniture had been artfully arranged throughout the rooms). And there were definitely aspects of the “before” configuration that appealed to me and helped highlight some of the house’s assets.
However, after some thought about how we would actually want to use the space, Matt and I determined that the open shelving would more than likely just end up attracting “dust collectors”, and that the little shuttered cabinets wouldn’t be very efficient from a storage standpoint. Moreover, the “breakfast bar”/extra cabinetry between the kitchen and living room was sort of a weird, kludgey thing (clearly NOT original to the house) that butted up against part of one of the large picture-window sliders on the right side wall of the house, and we wanted a more open floor plan.
Then there was the matter of the cabinets themselves. Originally we planned on keeping them — but that was before we did a closer inspection, and found that they were actually not in the best of shape under the white paint. The doors were made of some sort of particle board covered with very thin plastic 1970s dark-woodgrain veneer, and the cabinet “boxes” themselves had a lot of warping, staining, and other miscellaneous damage. The drawers also had no slider tracks; they were just wood-on-wood, prone to sticking, etc. Hence, once we tallied things up, neither of us figured we were very attached to the existing cabinets, and as they were definitely not original to the house (which was built in 1954) Matt and I deemed they had to go.
The above image shows approximately the same area as in the “before” picture, from a similar angle. Notice that the dust-collector shelves and tiny shuttered cabinets are gone now and have been replaced with a floor-to-ceiling built-in pantry. The “breakfast bar”/weird kludgey wall-thing (which, incidentally, also contained some 70s-era speakers!) is gone as well. And there is also a little “nook” to the left of the pantry which was originally sort of a “dimensional artifact” but which turned out to be a perfect spot for the microwave cart.
As for the cabinets themselves, Matt and I considered all kinds of options and styles (custom, stock, Ikea, Home Depot, etc.) before finally settling on custom shaker style doors and boxes, which were to be built primarily of maple by a brother of one of Matt’s co-workers who also happened to be a carpenter.
Luckily, Matt and I have fairly compatible tastes in decor, but as I am sure he (Matt) would tell you, I am a lot more opinionated about such things and can be, well, a bit of a zealot at times. For instance, I cannot even count the number of times I reiterated the “NO RAISED PANELS!” mantra, and the number of cabinet styles (in various catalogs and such we looked at) I denounced as “utterly hideous and incongruous with the house”, etc. (Maybe this side of me doesn’t come out much on the blog, but trust me, I can be quite the critic when it comes to certain topics!)
What it really came down to for me was that I wanted something that “worked” in a midcentury ranch home (as in, did not produce the “tutu on a bulldog” effect that a lot of thoughtlessly generic remodels tend to have on such houses — see here for an example of what I definitely did NOT want), that would be durable and long-lasting, and that would overall be easy to look at (in addition, of course, to the functional consideration of providing efficient and ample storage space).
Matt basically wanted the same things I did but was less concerned about the kitchen “matching the house”, and he was a lot more averse to going the streamlined modern route than I was.
So I am thankful we were able to finally settle on the shaker style — Matt is very much a “craftsman” sort of guy, and the cabinets we ended up with certainly respect that, and I am happy both because of the historical connection between shaker-style and later modernist styles and because it just plain looks nice.
One thing we also did, that (apparently) is somewhat unusual is keep the natural woodgrain exposed on the doors but paint the cabinet “boxes” and face frames a sage green color (Valspar “Cactus Shadow”, to be precise). I wanted SOME color in the kitchen and Matt and I are both fond of green, so while I would have preferred something a bit darker (for more contrast) I daresay the end result turned out quite pleasant to look at. And honestly I would love to see more examples of kitchens with natural-wood cabinet doors but with painted face-frames; so far I haven’t even been able to find one (though it could just be my search-fu is failing me in this instance), other than ours.
This view shows the middle of the kitchen, the sink area and part of the area along the rear wall (including the back door, out to the yard). Note all the WHITE, the washing machine along the rear wall, and the chandelier (which caused some literal headaches to several folks, including me, before it was removed — it was hanging down so low that I kept getting “wrought iron to the forehead”, ouch!).
This view again shows the middle of the kitchen, the sink area and part of the area along the rear wall, but now many changes are evident. The most major thing was the addition of the large island in the center, which contains both storage underneath (more cabinets) and a large food prep surface that overhangs on one side, where we could presumably put stools or tall chairs, in effect making the island double as an eating area. We wanted to keep things simple and versatile so the island is actually a free-standing unit (as in, it isn’t rooted to the floor, and contains no plumbing or electrical lines). Partly this was for budgetary reasons and partly it was just because we liked the idea of having the island be like a piece of furniture rather than a built-in.
Note as well that the washing machine is gone (we still don’t have it hooked up elsewhere yet, but hopefully that will happen soon; for now we are partaking of the laundromat conveniently located a few blocks away). The stove is now a gas stove (Matt has always wanted a gas stove, and he is definitely the cook around here), and the refrigerator we just got in tones that would match the stove. Neither is a particularly “special” piece, but we had a budget to work within and I figured we were better off “splurging” on the cabinets than on appliances, as appliances are a lot more easily replaced if necessary.
But so far they’ve certainly been serviceable, and I definitely think the black-and-stainless-steel tones help prevent the overall aesthetic from veering too far into “country cottage” territory. The fume hood is also new and rather a nice model, and it adds (what to me is) a dash of “restaurant kitchen”-ness to the space, which is not a bad thing. (I also designed the ducting on top myself, which was necessary because of the way the studs in the wall were placed).
And then of course there is the floor. I am SO happy with the floor — it is marmoleum! MUCH nicer than the blah grayish-white 1980s vinyl that we started out with there. I had a lot of fun coming up with a pattern for the Marmoleum and determining on that basis how much of each color we would need (we used “Eucalyptus” squares and “Barbados” planks, both in the “click panel” type). It was really easy to install, too…Matt and I did it in one day with just the two of us.
The new cabinets over the sink are pretty much positioned the same as the old ones were — that aspect of the old layout at least made sense. We also kept the original sink (which I think might very well be original to the house — it’s a very nice, if slightly endearingly chipped, cast-iron model with one shallower side and one deep side) and the white tile counter by the sink, which is not original but which is perfectly serviceable and doesn’t clash horribly with the rest of the decor.
The white dishwasher is also still there but now I rather wish we’d gotten rid of it, as we have never actually used it and probably won’t. I actually prefer hand-washing dishes — if I put stuff in the dishwasher most likely I would forget about it. I would like to take the dishwasher out at some point and perhaps make a little cubby thing for the trash cans, but that’s not on the immediate agenda.
Initially the living room looked a lot more “formal” (though that was partly due to staging), and the gray carpeting made everything look smaller. Plus the all-white walls were just boring. It looked “nice”, but wasn’t very “us” (that is, me and Matt).
I’ve already posted this picture once before so apologies for that, but it was the best one I could find in what I’d uploaded showing the whole living room. Ripping up the carpet had a huge effect on the space — made it look so much bigger! Plus the floors, while very dirty initially (from decades of fine dust filtering through the carpeting) turned out to be beautiful solid oak in excellent condition overall. We did not even need to strip and refinish; we just mopped and mopped and then applied some wax.
And then there is my brown wall. I love the brown wall so very much. I have always been a big fan of dark/bold wall colors, and was SO tired of imposed apartment-rental White Everywhere. I love the contrast between the brown wall and white fireplace especially, and I think overall that color being there adds some very pleasing “weight” to the kitchen/living room space, as the kitchen is very light-and-bright even though it’s not all white anymore.
I am also finding that my own sense of what I want the place to look like has been shifting around in light of all kinds of factors, and at this point I am leaning strongly towards an “eclectic” look rather than one constrained into any particular design “school” or era. For one thing, I certainly cannot afford to have everything “matching”, and even if I could, it seems like it would be very wasteful to get rid of and replace so much of what I already have that is wholly functional. Moreover, if you think about it, it’s not like everyone living in ranch homes in the 1950s and 1960s ONLY had mid-mod furniture…presumably plenty of folks had hand-me-down pieces from the 1940s or 30s or even before, and hence the reality of those houses back then probably was more eclectic than matchy-matchy.
However, at the same time, I definitely want to maintain a sense of respect for the house’s “lines” and overall design (meaning, at some point that awful 1980s “seashell” sink in the bathroom HAS to go!).
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