Interior Design Ideas – Conservatory Living

Can you imagine the joy of spending late autumn afternoons warmly lounging in the midst of your garden, of growing and harvesting your very own tropical fruits and of twilight summer suppers that are guaranteed rainproof? No, this is not a description of life on a faraway tropical island, but a glimpse of the bliss to be had when you own a conservatory.

Yet another inspired Victorian concept that we are revisiting and appreciating anew, despite the disparity of lifestyles between then and now. A conservatory gives life a new dimension. It allows us to enjoy a garden year-round and stretches the living areas of our homes. All age groups can benefit: it provides an ideal space for a toddler to play in (the semi-outdoor finishes should stand up well), for an elderly person to relax in out of season, and for people of any age to enjoy atmospheric dinner parties.

Should you be on the brink of deciding to construct a conservatory, be sure to pin down your ideas well in advance;

How much do you want to spend? A finished conservatory may cost more than you imagine and such extras as heating, lighting, wall and floor finishes, furnishings and plants can add considerably to an initial estimate.

How will the finished conservatory look from outside? Do you wish its style to reflect the architecture of your home?

Which direction do you wish your conservatory to face? A southerly orientated conservatory will be full of sunshine, but unless a good ventilation system is installed and shade provided (by blinds or by painting the glass), it is likely to overheat in summer. A north-facing glass house will receive little sunshine and so will require an efficient heating system for cooler days.

To what purpose will you put your conservatory? Is it to be a place for indoor gardening, relaxing, dining, cooking or playing?

Do you wish your conservatory to become an integral part of an interior living area and/or to open up to and become one with your garden or terrace? The larger your opening on to either or both of these areas, the more linked they will appear. Double, sliding or folding-back doors will help to achieve the connection you desire.

Because the conservatory represents a link between the house and its exterior, the most appropriate furnishings will be those that reflect this connection. Well-designed garden furniture, softened with table cloths, cushions and upholstered seats, will help to blur the line between inside and out, as will rattan, wicker or cane furniture.

A floor of flagstones, scrubbed wood planking or terracotta tiles will underscore the connection. Accessories can provide a similar link – garden statuary, urns, plants and terracotta pots are all particularly suitable.

The best window treatments are ones that do not detract from the view or interior planting. Tailored blinds or curtains of muslin or calico in a simple style are ideal.

When it comes to selecting a color scheme for your conservatory, the choice is yours – but do remember that the exterior views will become your ‘wallpaper’ and indoor plants your ‘accessories’, so choose colors that blend well.

Lighting a conservatory is a relatively easy process so long as electrical points have been well positioned and there are sufficient sockets for free-standing fittings. Wall- or ceiling-mounted lanterns will look good, as will discreet spotlights focused on features.

A well-lit garden will form a magnificent backdrop at night and a dining table might be lit by a simple country-style chandelier or candles in glass hurricane lamps on the table. Free-standing uplighters placed behind plants will add some magic to the room.

Source

Hard or Soft?

No, this article is not about eggs. However it is about the differences you can expect to find in hard and soft woods. The aim is to give you a basic understanding of the differences, enabling you to make an informed choice when it comes to choosing a wood for your project. The characteristics of the lumber produced from hard or softwood trees depends on the actual species of tree, for example the wood from a Yew tree, which is classified as a softwood is denser than Balsa wood which comes from a hardwood tree.

Softwoods

  • Are made of longitudinal and transverse ray cells. This means that this type of wood is suitable for papermaking, construction and furniture. It is rarely used on it’s own as flooring, but it may form part of a veneer, which are commonly used to renovate old staircases.
  • Softwood is easier to carve and drill though, making it popular for intricate furniture designs.
  • Usually softwood is harvested from conifer trees such as pines, hemlock and redwoods. There are many more.
  • The trees that it comes from will usually have evergreen leaves that are shaped like needles or flat with pointy edges.
  • The seeds are dispersed by the wind as the fall out of a cone like structure.
  • They tend to grow faster than hardwoods when planted in their optimal conditions.

Hardwoods

  • Hardwood trees have pores which carry water throughout them, in a way that softwoods do not, in addition to the tracheid cells that are evident in both types of tree.
  • Hardwood trees such as Oak, Ash and Maple trees are commonly used in flooring, construction, musical instruments.
  • The leaves tend to be large and are shed in the autumn months.
  • The seeds from this type of tree will have a shell that could be in the form of a case as in a chestnut tree or a fruit.
  • A lot of the English countryside used to be covered in forests of ancient hardwood trees. Unfortunately these were not replanted as they were cut down. This means that it is becoming harder to source large planks of hardwood resulting in the booming industry of reclaimed lumber. Old buildings and furniture are being taken apart and the wood is being reused for a different purpose. As this wood has already been subjected to changes in temperature and moisture levels it is much more stable than newer wood.
  • Makes a good fuel for a wood burning stove as it burns slower, it also gives a smokey flavour to food such smoked bacon and cheeses.
  • It is unlikely that this type of wood would be used to make paper, however it is used to make the finish for veneers, staircases, furniture, construction and flooring.

Both types of wood have their distinct advantages, the choice as they say, is yours.

Source

Considering Wicker Furniture – Things to Consider When Buying Wicker Furniture

Styles

Wicker is available in many styles and colors. You can also choose between natural wicker and resin wicker. Natural wicker is made from either rattan or bamboo and is more appealing because of its natural beauty, strength and flexibility. The only drawback is that it requires some cleaning and maintenance. If you want less maintenance and more durability, poly resin wicker is a good choice. This is especially true if it's exposed to the weather. Colors choices include white, mocha, tan, black or natural. Many styles are available including Victorian and Contemporary

Use

When choosing wicker furniture you will want to consider the location the furniture will be placed in. For instance, if your furniture is going anywhere inside your home, like a bedroom or closed in patio, natural wicker is a good choice. If you intend to use it outside where it will be exposed to the sun and rain, you may want to consider resin wicker. However natural wicker has proven to be very durable in whatever area it is placed. It just may require a little more maintenance.

Either way, natural or resin wicker is a good choice for indoor or outdoor use and will last many years. Space is also a consideration as you do not want to purchase pieces that are too big or too small for the area.

Durability

Wicker made from Rattan is generally considered more durable than bamboo or other natural materials and can better withstand the elements, like rain, snow wind and humidity. Synthetic wicker or resin wicker is considered the most durable and does not degrade. It is also flexible and can be made in many styles and colors that match the beauty and uniqueness of natural wicker. Both natural and resin wicker furniture requires low maintenance. Usually dusting or wiping down with a wet cloth is sufficient.

Wrap Up

Hopefully this article will give you enough information that you can make an intelligent decision on what kind of furniture you need for your home. Color, style, design and space are important factors in deciding on the choice. Wicker furniture, either natural or synthetic, can be an ideal choice for your patio, porch, pool or garden area. It is lightweight and it's durability, flexibility and environmental friendliness make it the best choice you can make for your home. Also wicker is more affordable than most furniture. There are many places you can buy wicker furniture. Shopping online is the best way to get the best deals. Now that you know a little more about Wicker, you can see that it is a great option for those who want great looking and durable furniture for their home.

Source

Sofa – An Essential Furniture Entity for Every Home

A comfortable sofa is a necessary item needed for every family, it might be for a family get together for a party or just to watch TV. Think for a minute can you watch your favorite television show with a comfortable sofa. Of course not possible, as an uncomfortable sofa might ruin the ease with its perturbing styling or seating. Although you have many choices to pick from the sofas yet buying a suitable couch or sofa is one great decision that you make with a great care.

How to buy a right sofa

There are people who buy furniture without considering the needed tips and this is the point where most of you make serious mistakes. It is a huge mistake because by doing so you might get a defective piece or an unsuitable sofa which is a total waste of your money. So if you want to avoid these things you might have to remember the below-mentioned points

The filling and the material of the sofa

The more comfortable your sofa, the money invested in better. There are some people who bargain the sofa material and its filling over its appearance, which is totally wrong. This is so because the filling speaks of its durability and quality. Although you have a large choice in the sofa filling material, but foam – filled are suitable over others as they are firm and does not cause any type of allergies.

The outer covering

The sofa is not just a piece of furniture, but also decoration ornament as well. This is why you must target its outer covering as well as its fabric. Also, remember the type sofa you are looking for, are you searching for a fabric or a leather sofa? A leather sofa is suitable if you are looking for hand wearing and traditional sofa and if you want a sofa whose cover can be removed and machine washable then fabric one is the best choice. In both leather and fabric, you have plenty of choices to choose, from color, style, and pattern.

The size and the shape

The shape and size of the sofa are also important before making your final thoughts on buying a sofa. The shape and size you prefer must be according to the area of the room so that it does not disturb the movement in the room. Choose irrespective of the size and style of the sofa is a big mistake that many commit when buying a sofa for their home or room which can also make it very congested. So remember not to make this mistake and also measure the size of the room including the window and door sizes before choosing the sofa.

In short, always place the sofa in the right way in your home to boost its decoration. Talk to a seller who deals furniture in your area to find out the right color, shape, and size suitable for a specific room size.

Source

Becoming a Furniture Mover

There are is a few criteria that you must meet before you can become a furniture mover. These criteria will allow you to perform the job. Usually there are no specific educational requirements but you must be able to read and write. You must be strong and physically fit and need a driver’s license that is valid. A furniture mover may work for a store that delivers furniture or for a moving company. When applying for a job many companies will require that you pass a physical exam in order to become a furniture mover. Working as a furniture mover you will be lifting heavy items and carrying large items of furniture through cramped spaces and up and down stairs.

In addition to the criteria, there are certain attributes you will need.

• Good communication skills so you can deal with customers effectively along with other employees

• Be courteous to customers as they can be demanding at time

• Be trustworthy so you will be allowed into customer’s home and if working with a moving company you need to be trustworthy so you do not steal anything of value from the customers you are moving.

• Be bondable and insured to be an insurable driver of the company vehicle

• Clean, respectable appearance as you are representing the company the customer is dealing with.

• Not have an over abundance of piercings or tattoos that could be considered excessive, controversial, or offensive to the customer.

• Have the ability to read street signs and find addresses

• May be required to drive a stick shift so it would be helpful if you can do this

• Work well as a team member as most work as a team of two in order to do the job safely

• Know how to fill out paperwork and keep records of items delivered.

Once you have submitted your application to be a furniture mover for a company you will normally be required to pass a physical exam. To get the open position you may have to pass a drug test and criminal background check. You may also be subjected to random drug tests. If you are hired it could be part-time or full-time work. When working for a moving company, if you have to move a customer out of state you may be required to stay overnight and returning the next morning.

If you are hired by a moving company, you will need to know how to drive a semi-truck. The company may hire you even if you do not know how to drive a semi-truck and pay for your training. Working for a moving company, you may drive out of state or even across country.

Source

How to Estimate the Age of Furniture Using Castor Wheels?

Castors are attached to home furnishings in order to make housekeeping and rearranging easier. But apart from these, do you know that castor wheels help antique collectors in estimating the age of furniture? By simply examining the type and characteristics of the castors, experts are able to identify the time range in which they are manufactured. This allows antique dealers and collectors to price the furniture appropriately.

Nonetheless, even non-experts like you can also date furniture using this same method. This article will show you how to do it. Just follow the simple instructions listed below:

Step 1: Look for a Leathern Roller or Bowl

The earliest kinds of castor wheels are made of leathern rollers or bowls. These castors are attached to furniture manufacture in the early 1700’s during the time of Queen Anne.

Step 2: Inspect if the Castor is made of Wood

During the great Georgian period (1720 to 1760), furniture manufacturers began to make furniture with wooden wheels. The wheels are attached to an iron frame that is mounted at the foot of the furniture.

Step 3: Examine if the Castors is made of Cast Iron

For almost a decade after the Georgian period, manufacturers started to produce furniture with castors made from cast iron. Although wooden castors are still manufactured, most of the surviving furniture made during this era which is available in antique stores nowadays has cast iron wheels instead of wood.

Step 4: Check if the Castor is made of solid Brass

The furniture may still indicate that it is manufactured during the Georgian period, however, if it has solid brass castor wheels, then it means that it is manufactured anywhere between 1780 and 1790. The entire Georgian period (starting from 1750 to 1830) is in fact called the “Golden Age of Furniture” because it is during this era that majority of the innovation on furniture had been introduced to the public.

Step 5: See if the Castor is made of Rubber or Polyurethane

These castor wheels are manufactured in modern times. Thus, it is possible that the wheels of the antique furniture that you are eyeing on have already been replaced.

Warnings and Tips

Be reminded that castors are easily replaceable. This means that you should not base your assessment of the furniture’s age on the castors alone since it is possible that the wheels are only replaced so as to give the impression that the furniture are as old as it is. If you are not confident or if you do not trust your antique dealer, might as well get a second or third opinion from someone who you think is trustworthy. Do not forget that the antique industry is filled with scammers and opportunists who are only waiting for you to fall into their traps.

Source

Doll Furniture Plans for Easy Barbie Furniture Making

There are a lot of woodworkers who are interested in crafting miniature furniture pieces such as dolls. This is the reason why doll furniture plans are made available. Many kinds of furniture plans can be utilized with ease using the Internet. And one of them is the furniture plans for dolls. Most of these plans can be availed in various resources on the worldwide web. No wonder it is much easier and cheaper to purchase a plan and craft your own piece of furniture from scratch than spend thousands of dollars in buying ready-made doll furniture set.

Basically, doll house furniture is built using low-priced materials. This is the reason why most of them are fragile and very delicate. For that reason, you have to use furniture plan that is especially designed for building any furniture. You might notice that the majority of people prefer to use doll furniture plans for the reason that they are not only cost effective, but they also allow you to produce different doll furniture designs depending on their sizes and styles. The good thing about these plans is that you can modify each plan to fit in to your specific needs. Custom-made doll furniture is not only eye-catching but also strong and durable.

Creating your own doll furniture is easy to accomplish with the help of the various furniture plans online. Who says that you need to be a skilled woodworker to build your own kind of doll furniture sets? What you need is a complete and methodical plan to help you make furniture for your favorite doll or Barbie doll set.

When building your own Barbie furniture, you need to be creative enough in designing it. This is very important so as to achieve a successful outcome. But if you are not confident enough to come up with your own furniture for your dolls, then the furniture plans are the best way to go. You can easily find these plans on the Internet. They come in various designs and techniques. It depends on you, which plan you will optimize to carry out your doll furniture building project.

Source

Selling Your House? Mow Your Lawn!

A property that has a well manicured lawn has one of the best opportunities at showing pride in ownership than any other outdoor technique.

For one thing, there is a large upswing in the priority that homeowners place in their outdoor living spaces.

Therefore, the landscaping of your front yard (especially) as well as that of your back yard should look its very best when it's selling time. Your landscaping will make a huge contribution to the resale value of your home, so make sure that it's doing its best to help you out.

In fact, studies have shown that when the landscaping of a home is in excellent condition, it can sell for about 4 to 5 percent higher, while homes with landscaping in very poor condition can sell for 8 to 10 percent less. That's a huge difference in the overall selling price of your home.

You may be wondering exactly how much time you should dedicate to sprucing up the landscape of your property. How much time and money is worth it for your sale?

Even if you put a minimal amount of money, effort, and time in to your landscaping, it will help you in selling your home, and sometimes even getting a boost in the selling price. Every effort you make will help.

However, do not overdo it. Remember that it's not a selling feature; it's only something to help the overall appeal of your property, so that the other selling features will be better appreciated.

You should keep your lawn mowed so that it is even, and neatly short. Keep it well weeded, as these will only appear as blemishes to your landscaping. Make sure to use a weed eater to do the edges, as this gives your work a superior finish touch.

If there are any "bald" patches in your lawn, buy a small bag of seed and care for the spot, filling it in. This is especially important if you have a dog who digs or who leaves "pet damage" where s / he does his or her business.

After you fill in the dead spots that your dog has left, make sure to water the areas after your dog "waters," to prevent new dead patches from forming. Watering the areas will dilute the urine to stop it from burning the grass.

This effort makes an immeasurable difference in the overall malnutrition of the house, and the impression that it will leave potential buyers.

Source

How To Make Your Concrete Floors A Work Of Art

Concrete foundations are essential for almost every type of building. There are several different types of slabs which can be used to make the foundation of your building. Fortunately, these do not have to be dull and boring. Much like polished concrete, with a splash of color here and there, you can easily turn your own floors into a work of art.

Read on to find out everything you need to know about coloring concrete foundations.

Preparation

Before you attempt to add color or make patterns on your cement flooring, it is extremely important to know whether your project will be able to withstand the changes which you intend to make. This means that your concrete slab needs to be intact before you can start designing it.

Since seams and crevices in your flooring can practically destroy the design, it is necessary to repair your cement flooring before you try to personalize it. It is also important to know that you cannot paint a concrete surface unless it is cured. Therefore, if you have a cement slab which was recently built and installed, it is necessary to wait at least four weeks before you can start painting it.

New concrete structures should also be left to dry out naturally without the use of any curing chemicals. Since the addition of chemicals and other drying agents can cause problems during staining, if you wish to design and personalize your home, it is best to leave the concrete surface to dry naturally even if it takes a little longer than four weeks. Once the concrete has dried, acrylic fillers should be used to fill any cracks in the cement slab.

Once the concrete has dried and has been repaired, the next step is to thoroughly clean the entire surface before you paint it. Since it is very easy and common for dirt and other contaminants to get stuck into it, you should use a power washer for exterior surfaces. An additional cleaning agent might be required for the interior.

Painting

The roller which you will be using to paint it, needs to be cleaned to ensure that the end result does not have any blemishes or other contaminants like grime. When you start painting it, a paint brush should be used to paint the grooves of the concrete. Initially, it might seem like a lot of paint is required to paint your surface, but this is only because much of the paint will be absorbed by the concrete.

Once the first coat has dried, you can then add subsequent coats of stain depending on your required color and finish. In case you want to apply textured paint to it, you will have to use a primer before you can start applying to stain. If a primer is not used beforehand when applying textured paint, it is very likely that the end result will not be as good as expected. With the new surface, concrete foundations commonly mimic the modern look of natural stone.

Source

Tips on Choosing an Outdoor Garden Fountain

SIZE of the garden fountain should be the first thing to consider. A fountain may be great to look at but more importantly it needs to fit into your garden landscape. If you have a relatively small garden, it doesn’t make sense to install a grand fountain that covers most of your garden views. The fountain must not stand out and be the sole focus in your garden. It should either blend in with the rest of your garden or the garden must enhance the fountain. Picking the right size outdoor garden fountain is vital.

SHAPE of the garden fountain is the next important thing to decide. This has less to do with garden space and more to do with you and what you prefer. You need to determine what suits your garden and more importantly, what expresses you and your lifestyle. Garden fountains come in a variety of shapes including animals and wildlife, statuary, tiered, pedestal, rock and wall, just to name a few. Deciding on the shape of your fountain may be your most difficult task.

TYPE of fountain water flow must be considered when you are deciding on a shape.

BUBBLING FOUNTAINS are the most versatile and perhaps best-suited for most home gardens. Typical design involves a single jet of water produced below the water surface in the center of a glazed pot. The water runs over the edges of the pot and runs quietly down the sides into a basin where it’s collected and recycled by a small pump. These fountains are perfect for smaller, intimate spaces since they don’t make much sound, just quiet bubbling.

SPILLING FOUNTAINS have water exiting from a spout and dropping unimpeded into a basin. Be sure you listen to these types of fountains before you make your purchase. They can produce quite a bit of sound. Even a single arc of water splashing into a basin can be too much sound for a small space. Unless it’s just a drip, the sound is energizing and active, not relaxing,

JET FOUNTAINS are perfect for large spaces since the water becomes rather architectural and rather dramatic. In a large space, seen (and heard) from some distance, these fountains can become a main focal point. But there are also simple, small-scale jet fountains for small spaces, too. The water hits the surface as multiple droplets and jet fountains are typically not as loud as spilling fountains.

SEASONAL or YEAR ROUND Another important factor to consider when deciding on a garden fountain is whether you want it functioning year round. A seasonal fountain must be shut down in the winter months if you are in a colder climate. Otherwise the water could freeze and cause damage. You may also need to relocate it inside to protect it from harsh temperatures.Year round outdoor fountains are heated and can be left running in the winter months. The two main types are solar powered or electrical.

Source

Duckweed Control And Restoration Of Your Beautiful Pond

Duckweed control is perhaps the most onerous task that one has to undertake, irrespective of whether you like it or not. It’s imperative that you maintain a fine balance between the plant and animal in your pond, and if one overpowers the other the ecology will get disturbed and there will be commotion inside the pond.

How to Identify Duckweed

Duckweeds are miniature green plants that floats atop the pond, lakes, or in still water. These can be easily identified with very little leaves (around 1-3) and a quarter of an inch in total, and usually consists of only 1 to 3 leaves. Each little plant has its own short roots coming from the bottom.

Even during the winters, they remain green and continue to float, though majority of them die out. During summers, duckweed accumulate in abundance and form bed like or string like formation and float on the top of the still water.

Is It a Bad Plant?

A lot of people by its sheer ugly look form an opinion of it as a bad plant and there have been debates if it’s good to completely remove it from the pond or keep it in minimal quantity. Experts feel that it’s good to completely eradicate rather than in bounty. The main thing with duckweed is that every single plant have the capacity to reproduce a new plant within next 24 hours, provided the environment is conducive.

When duckweed covers your entire pond, it obstructs sunlight entering the pond and the aquatic flora and fauna can’t get enough of it which is imperative for their survival.

As a result, all water-dwelling plants die and in due course it becomes fatal for other plants and animals to survive inside the pond. This will lead to formation of newer duckweeds as they consume nutrients like phosphorus and nitrogen from the dead organic matter present at the bottom of the lake.

On the other hand, if the duckweed is present in smaller quantities, it will bolster much better ecosystem which is beneficial for both fish and plants. The sight of duckweed in small numbers floating around the lotus or water lilies even look beautiful just remember that is an indication that it may soon be covering the entire pond.

Hence, a lot of people long to get duckweeds inside their pond. As a matter of fact, many pond owners have shown interest and take counselling as how to grow duckweed. Also, to control its growth, many pond owners introduce koi fish and grass carp which will limit their growth.

To sum up, its ideal that you hire a professional agency such as Aquacide Co. who can help guide you in your pond maintenance from time-to-time. These individuals offer expert advice and can recommend treatment or maintenance procedures and when to use products such as Fluridone to completely eradicate it.

Source

The Importance of a Credit Report

Your credit report in combination with your credit score is as important as the air you breathe. Without it, you won’t stand a chance or survive in the United States. To most of the country, you are just a number in conjunction with a credit history. It does not matter whether you are good person, volunteer, lie or cheat. It only matters how responsible you are with your personal finances.

The simplest way to find out about your credit history is to order a copy online. You want a website that provides you with information from the three major credit bureaus;Experian, TransUnion and Equifax. These bureaus analyze your financial decision making; both past and present, and put that information into a report. A good website to use that provides this information is creditchecktotal.com. It only costs $1 to check and can provide you with invaluable information compiled into a credit report. Your report will not only provide your current credit score, but also your entire credit history.

A credit report acts as your credit references. A positive credit history tells potential lenders that you manage your finances well, i.e. borrow money and pay it back in a timely manner. A negative credit history tells lenders you have a difficult time managing your finances and instead are in debt, often not repaying them as agreed.

Credit reports help you by providing you with your personal financial history. This may include attempts at fraud made by others at your expense or errors made by varying lenders. The report can also provide you with information on good or bad decisions you may have made in the past. By staying up-to-date with your financial history, you can ensure you are making good choices, have the ability to detect if someone is committing identity theft and ensure there are no errors.

In addition, a credit report can explain why you were not approved for a certain loan or line of credit. Even though you had a great or excellent credit score, you still had a negative item or charge back on your credit report, so the financial lender refused to approve you.

You can also see how fast your credit score can be transformed. If you go ahead and start repairing your credit, you can watch how fast negative items can be removed and how fast you will gain points putting your score from bad or below 600 to above 700.

If you are not happy with your current FICO score and/or credit history or find there are errors in the report, you can contact a credit repair company. The credit repair company can boost your credit score, remove negative items and/or dispute errors on your behalf.

Source

What You Need To Know About Credit Cards

What is a credit card? A credit card is a card that allows you to borrow money to pay for things. There will be a limit to how much you can spend called your credit limit. At the end of each month you can either pay off the whole of the amount you owe or make a minimum repayment. Other kinds of cards include: 1) A cheque guarantee card, issued by your bank, that you can use to ensure that your cheque will be honored up to a certain limit.

2) A chargecard where you have to repay the full amount at the end of each month.

3) A debit card, issued by your bank, where whatever you spend is immediately deducted from your bank account Do you need a credit card? Using a credit card is a useful way of making purchases: a) A credit card means you do not need to carry huge amounts of cash around and risk losing it.

b) A credit card means you can buy items over the internet.

c) A credit card means you can make purchases abroad without having to worry about local currency.

d) A credit card gives the opportunity to spread the cost of a large payment over several months.

e) A credit card is useful in an emergency. For example, an unexpected repair to your house or car.How do you choose a credit card? The main two UK credit card issuers are Visa and Mastercard. These are accepted in most places and in 130 countries worldwide. Beware of less well known brands that may not be accepted everywhere. Before you choose which credit card is the best for you, remember to read the terms and conditions carefully. Never sign up for a credit card without fully understanding what you are agreeing to. Remember that all the plus factors will be prominently displayed in large print. You may have to study the small print carefully to discover if there are any negative factors.
A list of the current cards on offer in summary is available on this credit card summary page. What You Need To Consider: 1) APR (Annual Percent Rate)

This is the rate of interest that you will pay on any outstanding balance. 2) Special Introductory Rates

You may be offered a low or 0% rate of interest for a limited time (Up to 6 months) when you sign up for a new card. A higher rate of interest may be charged for cash withdrawals. 3) Balance Transfer Rate

Card issuers may offer you a lower rate of interest if your swap your balance from another credit card to their. 4) Interest Free period

Remember to check when interest payments will begin. Will you pay interest from the day of the purchase? Or will you have a number of days interest free before you begin to pay? There is usually no interest free period for cash withdrawals. 5) Cashback and Rewards

Some cards over points or rewards for every pound spent on the credit card. Make sure that these are appropriate for you. For example, there & 's no use collecting airmiles if you never fly. 6) Minimum Repayment

Remember to check what the minimum monthly repayment will be. If you borrow £ 1000 on your credit card the monthly minimum repayment will probably be in the region of £ 25. But if you only pay this amount each month it will take a long time to pay off the balance and cost a lot in total when you include the interest payments. 7) Annual Fees

This is the fee that the issuer will charge you every year for using their credit card. Not all credit cards have an annual fee, so remember to consider this when you are choosing which one is right for you. 8) Late Payments

There will be an extra charge, as well as the interest owed, if your payment is late. This charge may even be more than the amount you owe so be very careful to check what the charge is, and to ensure that all your payments are made on time. A good way of doing this is to set up a direct debit from your current account. 9) Exceeding Your Limit

You may also be charged a fee if you exceed your credit limit. Will Your Application Be Accepted? Whether or not your application is successful will depend on your credit rating. Your credit rating depends on your credit history (a record of your use of credit) and is based on the record of your ability to repay debt. You can obtain a copy of your credit file by contacting a credit reference agency. There may be a small fee for this service. When you request has been accepted you will be given a credit limit. The credit limit will be fixed when you first apply for your card (although you can ask for it to be increased or decreased later) and the limit, including the amount you have left available to spend, will be shown on your monthly statement. Insurances and Protection. What You Can Do: 1) Take good care of your credit card to ensure that it is not lost or stolen. 2) To prevent misuse of your card you must report any loss or theft of your card to the issuer immediately. Many issuers allow you to register all your cards with them so that in the event of you losing a purse, handbag or wallet they can all be canceled with just one phone call. 3) You must keep all your receipts and also check your statement carefully and report any suspicious transactions. For example payments that you have no record of making. 4) Credit card companies are now issuing cards with PIN (Personal identification numbers) which are known as Chip and PIN cards. Rather than signing your name you will be asked to enter your PIN onto a keypad. You must ensure that you keep this number secret. What The Issuer Will Do 1) The issuer should insure you against loss, misuse or theft of your card. 2) The issuer may also insure your purchases for up to 100 days. 3) Your issuer may also provide protection against you being sold unsuitable or shoddy goods. Important Points To Remember: a) Credit cards can be a very useful tool to help you manage your finances.

b) Choose your card carefully, remembering to read and understand all the terms and conditions before you sign up.

c) Remember to set yourself a budget and decide how much you will pay off each month.

d) Check your statements carefully each month.

e) Look after your card to prevent it being lost or stolen.For a glossary of the terms stated in this article please visit the credit card glossary page.

Source

Depletion of Forest Resources

INTRODUCTION

Echo systems around the world help sustain life for millions of species. Echo systems that are mainly forests provide a home for a large majority of the species alive. Therefore the trees in these forests are considered to be the most important species. Although it is true, that most species are not able to sustain without each other.

There are many benefits that we get from our forests. Some of these include cleaner drinking water, a home for plants and animals, economic growth, clean air, recreational opportunities, reassuring future. Another benefit we get from trees is called oxygen. If there were no trees to give us oxygen to breath, we would not be able to live. So if you need one good reason why a forest should exist, staying alive is a pretty good reason.

CAUSES OF THE PROBLEM

Forests have many resources that people can use to raise their living standards. One example is the wood for building houses. Certain wood materials last a long time, they keep the house warm and make it easy to manufacture homes. Unfortunately the world is overpopulating and the demand for a higher standard of living is constantly on the rise. Therefore the demand for more resources is growing to levels that cannot be sustained. Since forests provide a large portion of the world’s resources, many forests are cut down or burned.

The cause for cutting down forests is directly associated with the high demand for wood to manufacture paper products and lumber for other manufacturing. We practically use wood for everything. It is used in home building, marine products, furniture and the list seems like it’s endless. Just look around yourself right now and chances are you will find a product within your reach that is made of wood. Not only is wood a good building material, but it also has great aesthetic qualities. Most people appreciate a nice wooden dining table set or classic wooden rails on a staircase. Unfortunately we don’t always take in to account how many trees need to be cut down so we can have these luxuries in our lives.

Another major direct cause for forest depletion is simply burning forests for farmland. This is more common with countries that are undeveloped and have tropical rainforests. Many poor farmers in these countries burn or cut small portions of tropical forests so they can have room for farming and cattle. But the big scale problem is created when huge corporate farms burn thousands of square acres a year. They need this much room so they can provide farming on a much larger scale to compete in the world market for food. The reason forests are burned for the farmland is due to the rich minerals fertility of the soil.

Unfortunately even the large scale farmers in undeveloped countries are not educated on how they can maximize their results when reusing the soil. Therefore the soil is used up and left as a desert while the farmers burn more forest to make another farm. The Amazon rainforest which is the largest in the world has fallen victim to such deforestations. This forest is located in South America where countries are having tough financial times. Brazil’s market is a third of all the Latin countries included. Yet “Brazil’s foreign debt, except in the most implausible of positive economic circumstances, is simply unsustainable in the years ahead” (CRF.org 2002). Economical pressure on a country is another big cause that will force a country to deforestation such as the case in Brazil. Basic Science and Remote Sensing Initiative (BSRSI) show data that between 1978 to 1988 230,000 square miles, nearly the size of Texas was affected by deforestation (bsrsi.msu.edu). That is 16.5% of the whole rainforest in the Amazon.

The next example shows the cause of deforestation for farming. According to The Center for International Forestry Research (CIFOR), “Between 1990 and 2001 the percentage of Europe’s processed meat imports that came from Brazil rose from 40 to 74 percent” and by 2003 “For the first time ever, the growth in Brazilian cattle production-80 percent of which was in the Amazon-was largely export driven.” As more roads are built to provide access to forests in undeveloped countries more deforestation is evident.

EXTENT OF THE PROBLEM

As mentioned earlier, we get a large portion of our oxygen from vegetation such as trees. Since most trees live in forests it is important to realize the negative impact deforestation may have on our air quality. Carbon dioxide (CO2) is a gas that has an impact on the greenhouse effect. There is a cycle between CO2 producers such as cars and CO2 consumers such as plants. Together they create the “Global Carbon Cycle”. The plants and soil of tropical forests hold 460-575 billion metric tons of carbon worldwide (McKane et al. 1995). From 1850 to 1990, deforestation worldwide released 122 billion metric tons of carbon into the atmosphere, with the current rate being between 1.6 billion metric tons per year (Skole et al. 1998). In comparison, all of the fossil fuels (coal, oil, and gas) burned during a year release about 6 billion tons per year. Therefore deforestation even when compared to all the other pollution plays a significant role in Global Warming and clean air.

Another extent of the problem with deforestation is a decrease in biodiversity. Biodiversity is important for Ecosystem sustainability, agriculture, medicine, recreation, aesthetic and commercial value. There are about 5 to 80 million species that live on this earth (Lawton and May 1995). Tropical rainforests cover about 7% of the world, but are home to more than half of the species living in the world. After a forest is cut down, many species cannot live without it and possibly go extinct. Since we depend on these species for many resources, their extension will rob us of their benefits. Perhaps we might destroy the next cure for AIDS by deforestation and not know it.

FUTURE

The negative impacts of deforestation are getting noticed internationally. Many countries are taking steps to reduce the problem for a more sustainable earth. Unfortunately financial gain and high competition still exists with deforestation, and for some it’s the only way of survival. Many people are not educated about the long term results their actions may cause. Because of these reasons deforestation is still a reality around the world in many countries.

With more international involvement, countries will take effective steps to bring deforestation to sustainable levels. But there is still a great deal of work to be done. For some forests it is still not too late to bring them back quicker. Other forests that have been clear-cut might take centuries to grow to the original state. Areas where pesticides were used it is possible that the echo system was damaged and may take a long time to grow again. Many forests were replaced by large banana plantations. These plantations use pesticides that kill many species that are vital for an echo system to sustain. Erosion caused by deforestation may bring more water pollution in the future and may affect agriculture in the area. Other reasons for deforestation are simply to provide room for paved roads, residential and commercial development that are caused by urban sprawl. These types of developments permanently destroy forests. Deforestation is a serious threat to life’s future on our planet. It has major effects on our global climate. It leads to the loss of millions of species that are important in sustaining a living earth.

SOLUTIONS

As we discussed the causes for deforestation, we realize how these causes are very different. Because the causes are often controlled by a countries economy, overpopulation and many other social reasons, it is impossible to find one solution to deforestation. Although there are many solutions, it will take time and cooperation of many different groups of people and organizations to make the solutions work.

One popular solution that has been in effect for a few decades is forest conservation. We can work internationally, regionally, and locally with organizations to develop policy and influence industries to help ensure a sustainable future for forests. Conservation helps protect, manage, and restore the world’s most important forests by identifying threats and developing solutions to them.

Decrease the amount of products that are made as a result of deforestation. For example, using materials other than wood to build homes, furniture and other common products made of wood. Encourage recyclable materials so people don’t go back to wood again. Switching from wood to other materials will decrease the demand/supply for wood.

Implement more efficient farming methods to encourage the reuse of land.

Educate people around the world about the negative impacts of deforestation, and what can be done to prevent it. Help finance more educational programs. Help countries make the right economic decisions.

Sign international treaties and make laws/regulations to control annual deforestation.

Import meat and dairy products from markets that do not cause deforestation.

The solution that I believe will be very effective is the second one. As far as cutting down trees, this is a very workable solution. We have too many products that are made of wood today. As economies grow around the world, the middle class will also grow. This middle class will demand more and more products that are made of wood. The American middle class is obsessed with wood products and we don’t even realize it. A large portion of our homes are built from wood, and so is our furniture. Most cabinets alone require so much wood. If we like wood products so will the rest of the world.

The solution is to take the majority of the wood products and find alternative materials to them. This of course is not as easy as it sounds, but it is very doable. Once it is done, it will extremely decrease the demand for wood, therefore reducing deforestation. With such high advances in technology we can travel in space and replace hearts. Therefore it is possible to make materials that are safe for the environment and replace wood. Maybe even make materials that share most of the properties that wood has. We can even invent materials that imitate wood like the “burled wood” in our cars today. This “burled wood” in most cars isn’t even wood anymore, it is some kind of a plastic and a pattern to imitate the look of the wood. Speaking of the auto industry, I can’t believe how advanced our cars have become. These are cars that we drive everyday. Yet we live in new houses that were built with an ancient method of wood and nails. I think that is ridiculous. Perhaps the solution to replace wood with alternative materials will also lead to more efficient assembly methods and a safer environment. And most importantly the first solution is changing our attitude to help prevent deforestation.

The Depletion of Forest Resources is a huge problem with challenging solutions, let us work as a team around the world to help solve these issues.

Source

Don’t You Deserve the Best Lift Chair?

Lift chairs are an effective, easier to use than ever before, and a more comfortable seating option for people experiencing conditions such as diabetes, arthritis, pregnancy, or knee, hip, shoulder, joint problems and old age. Apart from that, lift chairs even offer considerable benefit to patients with stroke or those who are recuperating from a surgery. As a result of these benefits, more and more people are now planning to buy a lift chair. Golden lift chairs have many different models and prices to choose from. Choosing an appropriate one for you has never been easier.

Below are some factors to consider before purchasing your Golden lift chair.

1. Style and Color: There are different styles to select from in lift chairs. While some of them resemble accent chairs, others look like sofas and recliners. There are also lift chairs available that appear as a bed when extended out. Select the one base on your requirements. Presence of a lift chair inside the house can add spice to your home décor…just as any other quality piece of furniture would. So, just like choosing any other color of furniture, the color of the lift chair should be selected in such a way that it aptly complements the interiors of the house rather than looking odd. Usually, a neutral brown works well with most any home interior.

2. Dimensions: This includes the size and height of the lift chair. Dimensions of the lift chair should be determined depending on the weight and how tall you are. Some are available to have the height adjustment option.

3. Weight capacity of the chair: This is another aspect that is entirely dependent on if you or someone else will be using the chair. To be precise, the Golden lift chair being purchased should be strong enough for your weight (approximately) sitting or reclining in it. There are different models available from Golden Technologies depending on the weight capacities that each one can withstand.

4. Power source: Depending on this factor, there are two different varieties of lift chairs. While in one variety power is supplied by battery packs (rare), in another conventional power supply is required where users are required to plug the cord into the socket. Both the options are good. However, in case of heavy duty lift chairs, dual motors are used in order to support weight of the user. These chairs can withstand weight up to 700 pounds. Where batteries do come in play with today’s quality Golden Tech recliners are having a battery backup. The battery backup allows you to get up in the home electricity should fail. An important consideration if your movement is limited.

5. Accessories: At present, Golden is offering a variety of accessories along with their recliners. You now have the option of getting it fitted with devices such as head and lumbar pillow, massage and heat option for additional comfort, left or right hand controls for convenience and side pockets for easier accessibility. Plus, many other available available accessories.

Source


Post navigation