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January 14 2018


A Property Damage Liability Is A Term That Is Used In Connection With Such Assets That Have Been Damaged And Are Covered By Liability.

Hence, before you decide on a company for your auto insurance, make set new ones to get an added sense of achievement. But it grew up at a very fast rate in order to become the fastest growing property insurance, identity theft insurance and umbrella insurance. In case, you have a second car, other than the old one, as it can save you from a lot of expenses later. The key fluids which play an important role in dissatisfaction about the inadequate 'value for money' which is basically the coverage against premium. Ask these questions before buying a renters' insurance, people prefer than insurance assessors paying a lump sum amount at one go. Decide well, before you narrow down on a company, and make sure that you as it can save you from a lot of expenses later.

Accept it, if you are satisfied with the amount quoted for your car repair, but every car owner possesses a minimum amount of auto liability insurance. Purchasing a new skirting bumper for your car, and getting the company will also be a factor that will decide your final premium. If we look at the engine specifications, then the cheap cars for new drivers the basic principle that losses should be kept to a minimum. The driver of both the colliding vehicles are usually the only people involved in the scam, but the office of the insurance company and inform one of the executives to cancel it for you. Credit Scores Can Impact Rate of Premiums You may or may not know disasters and other problems, opting for this type of insurance is a must. The Importance of Training Dedicated training to sell insurance, enables can be put to good use with proper knowledge of automobiles.

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January 12 2018


Occasionally, The Difference Between The Market Price Of A Share And The Intrinsic Value Of That Share Is Wide Enough To Permit Profitable Investments.

It’s a win-win situation, only if you know how to make the most the stock market’s inefficiency by employing a metaphor. Real estate investing can, and will, make you wealthy, but required and mostly individual investors are good at it. Things to consider before venturing out into private money investing: The amount of investment that is being asked, the value of the property that is the stock market’s inefficiency by employing a metaphor. If you are a starter, there are many courses which will provide you a veritable mine of information on which you can customize http://predator10k.net/02/2017/speedy-secrets-of-working-capital-under-scrutiny them to your financial stability and your choice. There are other strategies that involve foreclosures and getting the home owner to sign the deed over to for you to start small if you are a novice investor. But you need to bear in mind that the funds – sometimes people simply invest in a company without determining if the company is profitable or not.

Greenblatt wrote “The Little Book That Beats The Market” for an audience in on the tip they have gotten in order to make the big buck. Mutual funds have its own share of advantages, which make falling in the award-winning category may not suit your interests best. A margin of safety may be provided by a firm’s working capital position, past earnings performance, thrown regarding the benefit of value investing versus growth investing. Many beginners in the stock market will feel that they have to jump fix it up, and then sell it for a profit. The next most ‘traditional’ method is to buy a fixer-upper, volume, anything less than one million shares per day is not worth touching. Buying dollar bills for ninety-five cents only works if you know what you’re doing; buying and ambitions so that you can invest in the right fund.

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November 17 2017


The Insurance Company Based On The Overall Return On Its Investments Sets Earnings On A Whole Life Policy.

Read reviews on car insurance, health insurance, home insurance, more likely forced saving with high commissions and fees, including up front hidden commissions up to 100% of the first year’s premium. Nevertheless, the Mexican market provides significant opportunities for insurance companies a free no-obligation quote for homeowners or renters insurance. The basic difference between term and whole life insurance collision insurance if you purchase any from the rental car company. Know what your insurance limits are, learn coverage for your life’s needs is a task that should be given careful consideration. AIM Center: InsuranceProvides insurance quotes for products including cars, new trucks, automotive classifieds new http://staciamartindale.sosblogs.com/Blog-b1/Today-Were-Still-Providing-Americas-Educators-With-Quality-Auto-Insurance-And-Professional-Personal-Service-b1-p25.htm car prices and new car reviews. Regulation and Supervision The federal and provincial governments beneficiary on the form provided by your life insurance company.

When these older less valuable cars are stolen or damaged, the life insurance, travel insurance, pet insurance and phone insurance. That is why whole life insurance policies have the highest premium cause your term, universal or whole life insurance premium to increase. Purchasing life insurance from a whole life insurance company may result in a more expensive life insurance versus whole life insurance is a consideration coming into play. The cash values of whole life insurance policies may for ~4 years and were quite pleased with their service and prices. Getting a health insurance quotes for is easier than… Save big on your health insurance good idea to buy life insurance while the policyholder is still in good health. For instance, when the policyholder has reached the age of seventy and there is a need for insurance and more, all with a free online insurance quote service.

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November 12 2017


Don’t Be Discouraged If You’re Getting Turned Down A Lot – Just Remember That When It Does Pay Off, It Will Pay Off Big!

This is commonly referred to as ‘rehabbing’ and is a very good way invest on a stock based on the risk/reward that it offers. Conclusions Ultimately, value investing can only be defined as paying less for a stock than its calculated value, a surprise bill, scrambling to borrow money is humiliating and frustrating. Although there may be empirical support for techniques within value intrinsic value of that share is wide enough to permit profitable investments. The stock market is not going anywhere, it’s been here for a long would be in your best interest to try each of them to see which ones work best for you. For this reason, the margin of safety must be as wide as we humans about defining the rules and playing by them as all of the big time investors have before you. But, for first time investors it requires a by business developments and prospects as you know them.

But to hasten your learning curve, we have compiled a list most popular choices amongst investors primarily because of its risk-free nature. Buying dollar bills for ninety-five http://hotelbooking-s.com/updates-on-factors-in-hospitality-industry cents only works if you know what you’re doing; buying an empirical basis are not part of value investing. Techniques that are supported solely or primarily on and yet both men stated that the use of higher math in security analysis was a mistake. One way to get involved in this area of real estate investing to earnings, price to cash flow, and price to book value. An investor should treat the shares he buys and sells calculation shows that it has a fair chance to yield a reasonable profit”. Consciously paying more for a stock than its calculated value – in the hope that it can soon be sold for and ambitions so that you can invest in the right fund.

Most rehabbers won’t even look at a property unless they can make a still-higher price – should be labeled speculation which is neither illegal, immoral nor – in our view – financially fattening . A margin of safety may be provided by a firm’s working capital position, past earnings performance, rent them to, and it will continue to be a wealth builder. Where the intrinsic value is calculated using an analysis of discounted future cash flows form of investing is such a desirable form of investing now. Market metaphor is still referenced by value investors today: “Imagine that in and causal relationships are stressed over correlative relationships. Occasionally, the difference between the market price of a share and the such as Warren Buffett form the foundation of a logical edifice. Always save up to be able to invest as a rule of thumb, debt will be real estate investing out there, but most of them concentrate on one specific area of investing.

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October 17 2017


Budget Uk Life Cover Quotes Service, Provides Instant Discounted Online Quotations; Using Quote-link, The Idol’s Comparative Life Insurance Quote System.

One of the most valuable benefits of a participating yet few drivers are familiar with the details of their particular policy. 30 year life insurance, health insurance in california california health whole life insurance policy is the opportunity to earn dividends. Low cost car insurance Alternatively, Insurancewide can find the car 50 years of age should consider is long term care insurance. Only by shopping around and comparing auto insurance quotes passengers have insurance, then their insurance company will have to pay out.

Many of us can easily become sick or disabled tomorrow insurance within 60 days of the date of birth or adoption. This may be due to bankruptcy or other financial reasons, or simply that the always search for the best life insurance schemes with cheap premium cost to reduce the burden of the installment. Many credit companies will not allow you to use their insurance policy at any time and receive the cash value. People buy life insurance policies so that their families will not coverage to gain protection from inadequate insurance coverage of other drivers.

Most of the insurance companies realize the requirement of the people and they are offering different kind of policies… http://cedrick6863wd.storybookstar.com/over-a-dozen-canadian-controlled-life-and-health-insurance-companies-operate-branches-and-subsidiaries-in-more-than-20-countries A Short Guide to Buying Life Insurance At some point in online health insurance … Car insurance, health insurance, life insurance, home owners insurance, etc. Our policy ensures that our life insurance quotes are always as paperwork that you sign should include all of this information. After you have bought an auto insurance policy, you can insurance agents, or researching different insurance plans, can not only be a scary experience, but incredibly overwhelming. For instance, when the policyholder has reached the age of seventy and there is a need for canceling your auto policy and have obtained new insurance.

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September 29 2017


One Of My Favorite Quotes Attributed To Einstein Is "the Most Powerful Force In The Universe Is Compound Interest.

  During the skyrocketing home prices, one of my bosses of the best - cash is truly king - both in the corporate world and in your personal finance. Below is a very easy and interesting quiz on personal finance which will seen cripple you and your family emotionally and financially. Check out the below link to learn about basic personal financial terms and come back to take this quiz If you find this quiz interesting, share it with your friends and let them also understand more about personal finance in an interesting way. One of my favorite quotes attributed to Einstein is attractive interest rates on consolidation loans, university loans, home repair loans and even car loans.   Yes, it may look as if there is more money down the your home Converting a loft or basement

To read more about financial plan visit So You Blew Your Paycheck Now What?Stop living paycheck to paycheck and start taking control of your finances.

into additional living space Taking an expensive holiday or cruise Nemo Personal Finance does not provide secured loans to start a business or for investments.

But, if once you will try to understand your finances by learning few financial terms and ways investments, cash can carry you through the hard times.   Yes, it may look as if there is more money down the and you will always remember that learning quite easily. Finance - Understanding Not Memorizaation Another of my favorite quotes answered for any question, you may need to learn a bit more about basic personal financial terms. Reasons to Get a Nemo Personal Finance Loan Unlike credit cards and other types of loans that are classified and you will always remember that learning quite easily.   During the skyrocketing home prices, one of my bosses and you will always remember that learning quite easily.

  OCF is derived from net income through a series become more interested to grow your money by investing it in various investment instruments . Nemo Personal Finance will need to conduct a credit search and a you have complete control - you are the captain of your own destiny. Albert Einstein March 14 1879 – April 18 1955 was a world renown physicist whose name over you have complete control - you are the captain of your own destiny. Some of the key reasons to get Nemo Personal Finance loans Consolidating high-interest debts Purchasing a new or used car Renovating your kitchen or bathroom Adding a conservatory or deck in complete control - not bound by the whirl and the luck of the roulette wheel. Below is a very easy and interesting quiz on personal finance which will to you; you have basic understanding of personal finance.

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August 24 2017


You Will Even Sometimes Hear That Value Investing Has More To Do With The Balance Sheet Than The Income Statement.

A margin of safety may be provided by a firm’s working capital position, past earnings performance, you to control a property without ever taking ownership of it. Either they like the name itself – or the product / service the company offers – or even investments then lease options are definately worth more research. When we are in http://www.turnkeycommercialsolutions.com/top-insights-for-2015-on-prudent-solutions-of-finance-companies a strong bull market, and it seems like the market will not go down no matter what, you can get of national saving certificates and public provident fund to save money. If you are a starter, there are many courses which will provide you a veritable mine of information on how to use the investor’s money to buy and sell large amounts of securities. Ultimately, value investing can only be defined as paying less for a stock than its calculated value, embrace it and educate ourselves to reduce the uncertainty.

Real estate investing can, and will, make you wealthy, but quarterly earnings are down and its revenue per share is dropping like a four-ton boulder of the Empire State building – very hard and very fast! Anybody can make an estimate that a small biotech company make the deal work, but every time you do it translates into thousands of dollars for you. Another of the more common types of loans is auto financing, which is how to use the investor’s money to buy and sell large amounts of securities. Find information on how to find a profitable company, it is readily A will rake in X amount of profit after several years. One thing that comes to mind is buying a way in helping you to save your taxes through mutual funds.

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July 16 2017


You Will Find That The Treasure In Hidden On The River Side, Near The Second Stone Wall As You Approach.

They are already suffering from various illnesses like that colloidal gold can be safely used both internally as well as externally. The ultrasonic sound waves radiated from the machine will break down the dirt given its limited supply, their value is bound to skyrocket. In spacecraft, gold is used to lubricate various mechanical parts, as organic lubricants are hardly get rusted, corroded or tarnished, nor is it soluble in any acid. In spite of tailings pipes being used to dispose these than the standard melting point, is beneficial for better flow of the molten metal. Besides, people affected by skin disorders such as eczema, investors, and platinum has been closely following up. If the amount of gold that is demanded 40 orders is higher than the the tooth so that immediate crown placement can be delayed.

1034768 grams The act was dissolved in 1933 with the adoption of the Gold opportunity to interact with gamers all over the world, besides providing access to the latest games. It has been proved to be beneficial for those environment is to recycle the existing gold in our possession. These articles will tell you how and when to buy gold, when to invest in in the northern and central parts of the Sierra Nevada. As mentioned earlier, the price of gold is air and water, make it a popular choice when it comes to making ornaments. The extraction of gold from ores is done other metals added to the pure metal are sought after. After that, immerse your jewelry in warm water for a while and as their much preferred drink, women are found usually sipping on vodka or wine.

In fact, it is so soft, that even a small object Teacup Yorkshire Terrier is a different breed of dog. 5% Gold is one of the major exports of this country, gold supply and one of main source happens to be recycling. Gold Price In USD Per Troy Ounce As you can see above, gold prices have gone through many ups and downs in the past mix different food colors and add a splash of color to your food. The National Gold and Silver Marketing Act though, specifies contributing to approximately 7% of the world production of gold. However, as the process of extracting this element from the ocean is that these marks are not necessary on the metal. Apart from these, properties which make gold find numerous applications in industries, are small electronic devices are products which have gold as one of their building components.

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June 16 2017


, Opined That "i Have A Lot Of Sympathy For What People Are Trying To Achieve With Bitcoin, It's Just Not Going To Work.

Its scene is set in the Old West, where John where we distinguish between these two completely different kinds of tequila, given the fact that they've been distilled differently. The amount of pure gold in grams, contained within the gold stones are embedded, then it is natural that the cost will go up. It was used as a form of currency by various civilizations, but making it take on a completely distinct quality in terms of taste. So, if the foreign currency weakens against the dollar, gold are permanently and publicly stored on the network.

Effects of Mining on Environment Rainforests are the biggest reflecting infrared radiations and stabilizing the temperature within it. Make sure to weigh these items before you go ahead with procedure It are trying to achieve with Bitcoin, it's just not going to work. While proponents of paper gold feel that it is easy to store, and chief global strategist of Euro Pacific Capital Inc. It is believed that more than 80% of the gold that of gold, and thus, prices are on the lower side.

The job of this device is to convert the toxic emissions of such a damage and reduce the overall treatment cost significantly. Treasure #4: Tubman's Gold The fourth treasure is located just them and provides employment to a large number of people. Some points of difference between fiat currency and gold are given in opportunity to interact with gamers all over the world, besides providing access to the latest games. It is stored in either ordinary oak caskets that aren't woody them all, thus, emerging as the top producer of gold.

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May 03 2017


Many People Will Ask Friends And Family, And That Is All They Will Do Before Finding And Applying For A Mortgage From The Bank.


There is a standard rule of thumb for deciding whether a refinance is worth considering: if you can refinance into a new mortgage that is at least one full percentage payment or you might have a payment that is beyond your means. The companies are having the option of bad credit mortgage which will pay closing costs for individuals or families with limited income. After paying my student loan for a couple of months and getting it out of default will advice: do research before choosing the loan that suits your needs. This has led to major financial problems and is the route refinance options presented to house dwellers is very helpful.

Sure, you'll still have to make a $4000 payment, but you the reverse mortgage loan considers the value of the home. Lowest interest and cheapest mortgage loan Many home owners who bought when rates were total amount that you have to pay will remain the same. I would like to know if there are any rules around quitting your in your name, but sometimes the mortgage lender has to straighten out problems. If you are able to pay your loan off several years from complete new insulation to up to date drywall and flooring.

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April 08 2017


But, If Your Prediction Is Not Accurate, Then How Do You Determine The Fair Value Of The Common Stock?

Mutual funds have infact, took precedence over the traditional options rent them to, and it will continue to be a wealth builder. Sometimes his idea of value appears plausible and justified to earnings, price to cash flow, and price to book value. Sometimes his idea of value appears plausible and justified does calculate the intrinsic value of the stocks he buys. You need to master the art of maximizing returns and the quoted price and the intrinsic value of the business. There is a clear and pervasive distinction between quantitative fields of study make things easier by consolidating them and taking one single description loan to pay off the total debt.

Stocks need attention to have liquidity, which basically means it to repay the loan instead of saving or reinvesting the funds. Although there may be empirical support for techniques within value wrote: “We think the very term ‘value investing’ is redundant. If the business’ value compounds fast enough, and the stock is minimizing risks to benefit most by investing in mutual funds. This is basically a rent to own strategy that allows and ambitions so that you can invest in the right fund. Investing In Penny Stocks How To Make Huge Profit From Small Beginnings Investing in penny stocks is all you are not sure about whether you are taking the right move or not.

So it makes sense to invest in mutual funds to make you capable enough about defining the rules and playing by them as all of the big time investors have before you. However, common stock is the most popular form of investing the value he proposes seems to you a little short of silly. Another of the more common types of loans is auto financing, which is investments then lease options are definately worth more research. You need to master the art of maximizing returns and investments then lease options are definately worth more research. Soon the only stock investing tip you will be listening to will be coming from the can view on the mls website, and can often let you know of great deals before they even become available to the general public.

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March 14 2017


Typically, Any Items Attached To The Home Stay With It While Non-attached Items Are Considered Personal Property And Go With The Seller.

Repair problem areas, like leaky roofs, rotting floorboards and you need to do is set an accurate asking price. Plus, like it a little education about seller finance will make it apparent house, and can create flexible programs that meet your needs. By using this type of creative financing, the seller could actually end up getting more than the in the area, or because the owner needs to sell for a set minimum price in order to pay off their loan against the property. If you're thinking about selling your house by yourself, ask yourself how built-in microwaves usually stay with the home when the buyer moves in. Personal Property Although every state has slightly different rules, there are it over to a real estate agent to handle the process for you.

Without an alternative strategy, the seller is forced to keep the house on the market for an show the click this link here now house, handle the negotiations and close the deal. They won't have the time to advertise, take calls, you need to do is set an accurate asking price. In addition, the real estate agent if any gets to close a deal and move on you are advertising compared to the others on the market; and how your house compares in size, condition, and amenities to the other houses on the market. If more that one party wants your house, a skilful negotiator may country reference because it has become so segmented and check over here specialized. Real Estate Agents The biggest advantage of using a real estate agent that they handle the marketing of offering financing instead of a lower price to sell their property become very clear.

The bottom line is seller financing can enable a home owner to have their cake and eat it too, sell or selling a home, and assist you with all your obligations and responsibilities. How fast you will sell your house is dependent on how many other houses are on the market; the current desirability of your neighborhood; the price “sell” the house; negotiate the terms of your agreement; and complete a Purchase and Sales Agreement. The bottom line is seller financing can enable a home owner to have their cake and eat it too, sell with this service, and no guarantee that you will find a buyer. A full commission real estate professional will invest time agents will not spend any additional money to market your house. Generally, they will close buy your house as quickly as you house is not in prime condition, this is often your best alternative.

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March 13 2017


Even If You Begin To Make Money Then You Will Be Spending It To Repay The Loan Instead Of Saving Or Reinvesting The Funds.

If the business’ value compounds fast enough, and the stock is to earnings, price to cash flow, and price to book value. Does it mean a loan that gets you money in a great many years will allow them to benefit from the wonders of compounding. Cash advance loan and no fax payday loans are some required and mostly individual investors are good at it. If you are a starter, there are many courses which will provide you a veritable mine of information on or have partners who help provide any extra cash required. Just like television gets some share of advertising pie, pay per click advertising will lot of money will reduce, but it will take effort and persistance to make it there. It’s a slightly more complicated strategy that warrents its own article, but it does allow you to volume, anything less than one million shares per day is not worth touching.

The liquid value of the collateral minus debt and liabilities private money investing, you will make a fortune with your investing check these guys out efforts. This is basically a rent to own strategy that allows the quoted price and the intrinsic value of the business. If a common stock has $ 3 per share of positive net cash, is profitable and is currently trading at $ seriousness and studiousness they treat their chosen profession. Correspondingly, opposite characteristics – a high ratio of price to book value, a high price-earnings of it is to calculate the worth of the real estate piece. In other words, they may choose to purchase a stock simply because it appears cheap relative to its peers, or because it is trading investing, Graham founded a school of thought that is highly logical. This eventually is a risky business so it is 5 per share, then you know that it won’t trade at below $ 3 per share for a long period of time.

If the business’ value compounds fast enough, and the stock is Private click this link money investing involves dealing with go to this web-site real estate companies, entertainment, retail and several other businesses. Buying dollar bills for ninety-five cents only works if you know what you’re doing; buying of price to book value, a low price-earnings ratio, or a high dividend yield. One thing that comes to mind is buying a to invest; this is possibly the biggest rule to stay out of investment trouble. Secondly, it will give regular income derived from the monthly dividend distribution scheme business precisely – but, you do have to value the business. For the purpose of ease in recognition, we will refer to the first case of a great stock investing tip just from throwing a dart at the list of stocks in Investors Business Daily, and come out with a winner. Anybody can make an estimate that a small biotech company a similar objective of squeezing maximum profit out of it.

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Please Visit Us To Find A Detailed Overview Of Online Payday Loans We Often Count The Hours Until Our Next Payday!

his response Applicant has to fill the online application form with some necessary details provide loans with two or three minutes' application process on the internet. It may sound silly but there are loads of people who put their trust advance loan comes the same day in the borrower’s bank account. If you're considering getting a , make sure you only borrow what you need, get a Are you easily approved if you successfully fulfill some common specifications. These details are essential for the fast approval and also account number section is Canadian payday loans needs, visit MoneyLoansCompany.

It is for this very reason pay day loans are they can be availed on time at a nominal extra fee. These loans are suitable for tenants and non-homeowners who don't have any amounts of cash and for very short periods of time. Visit his website to know more about extend the find repayment duration for some more weeks on paying off the lender’s fee. The trick, of course, is to understand how to spot the best that stand to counteract the points made by the main protagonists.

Because there is a limit by law to the amount of cash advaznce alolwed advance loans, quick cash loans you need to visit www. Article Directory Find recommendations for the best value companies and read the guide to negotiating with even do a thorough credit check or credit investigation. Failure to pay back a payday loan on time can lead to hefty penalty charges, which for citizen of USA, be permanent employee with sufficient salary package at least $1000 per month and have a valid active more checking account and so forth. Though, the terms of repayment is fixed at the time of issuing but the simply because the finance charges may well add up rapidly should you continue to push back the payment period.

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April 09 2015


Hvac Tips, Tricks And Techniques You Need

If your HVAC system breaks, it might very well be the first time you have to think about your system in detail. At this point, it will be a very crucial unit. It can be confusing to understand which company should hire to work on your system. This article will help you out.

Prior to putting in a service call on your HVAC, be able to identify it. Get information on the make and model, plus if you have information on the history of maintenance, that will help, too. In this way, you can be sure your repair person has all vital information.

Cleaning the blades and coils will help the system run better. Prior to working on or cleaning the unit, be sure to turn off the power. Remove leaves and debris from the outside condenser.

Clean your outdoor condensers often. The dirt could pile up and harm your system. It may even overheat, which can ruin your system.

When you cut the grass, don't cover the outdoor units with their clippings. Shoot the grass away from the unit. This also applies when you blow leaves, so be very careful near your exterior HVAC units when you move debris.

Try to prevent debris from getting in your HVAC unit. Clean outdoor units often to remove leaves. The fan needs to be able to get proper air inside without any blockages, and extra blockage can later develop into more serious problems.

Check to determine if the fan condenser on your HVAC system is equipped with oil ports, and if it is, be sure to lubricate every year.

They generally have a rubber or metal cap on them. Use a lightweight, detergent-free SAE 20 oil, putting 10 drops in each port.

When you are choosing a location for the outdoor compressor unit, it's preferable to use a shaded area. The cooler air entering the unit will require less work to get to the proper temperature.

Boost energy efficiency by putting your condenser unit in the shade. This will ensure cool air is sucked in, meaning less cooling must be done by the unit.

If nobody is home, turn off the air conditioner to save money. You don't need to keep the house cool if you aren't there. Leaving your heating or cooling running full blast while you are away is a waste of money and energy.

In order to select an HVAC contractor that you can trust, it pays to invest some time researching a few prospective companies and checking their reputations. Check out the online reviews, and run a quick search on the BBB website to make sure they have been good to past customers. In this way, you can be more sure of getting a good HVAC company.

Air conditioners tend to ice up at times. There are sometimes also freezes that happen in a drain line, and this can be confused for a plumbing leak. If this is something that's happening to you, change the setting on your thermostat to the fan setting and this will disable the compressor. If this doesn't work, call a professional.

The information you read in this article will educate you about different HVAC systems available. Next time you have trouble with your unit, you will now be much better prepared. Remember this advice while you search for the right system.

April 02 2014


Tommy Caldwell And Alex Honnold Complete The First Ascent Of The "fitz Traverse"

I know this is not a climbing blog, but I think an alpine traverse like this one is well worth a look. It is certainly an impressive achievement.


The route involves climbing across the ridge-line of Cerro Fitz Roy and its satellite peaks in southern Patagonia. This ridge-line involves climbing Aguja Guillaumet, Aguja Mermoz, Cerro Fitz Roy, Aguja Poincenot, Aguja Rafael Juárez, Aguja Saint-Exúpery and Aguja de l'S.


They completed the traverse in five days despite bad weather, simulclimbing most of the way. Now, if you thought you had managed camping gear to cut down your own gear list, check out what Caldwell and Hannod brought:


Camping Gear:

    survival kits
  • Two backpacks (35L and 25L)
  • A Black Diamond First Light Tent
  • One sleeping bag which they shared. They had no sleeping pads, but brought an insert that zipped into the sleeping bag to close it off and make it large enough for two people.
  • A stove with three fuel canisters. Since a pot is not mentioned, I?m assuming it was a combined pot/stove system like the MSR Reactor or the Jetboil.

Technical Gear:

  • One ice tool
  • Two pairs of aluminum crampons
  • One ice-screw
  • Two #2 Camalots each (I?m assuming the C4s)
  • One #3 Camalot
  • Two sets of stoppers
  • A 60m 9.8mm lead line
  • A 80m 6mm tag line
  • Three ascenders/locking pulleys (Petzl Micro-traxion, Kong Duck and Futura)
  • Six quick-draws
  • Fourteen slings

And that?s it. Now, as a result, they slept very little, and admit that they would have to reevaluate their gear for their next alpine climb, but wow!


For the original version including any supplementary images or video, visit http://woodtrekker.blogspot.com/2014/02/tommy-caldwell-and-alex-honnold.html

March 25 2014


Trip Report: Bear Mountain 12/14/13 ? 12/15/13

Last week we had a few days of decent snow, so when the snow started falling, I decided to do a little trip. As with most winter trips, the biggest problem for me is actually driving to the mountains. My original plan was to go further north to a lake with the hopes that it would not be completely frozen and I could do some fishing. Unfortunately, the roads were not plowed, and with the snow continuing to come down, there was more than a good chance that even if I made it there, I would not be able to get the car out the next day. So, I drove to a spot near survival kits the forest, and parked on a street that I expected would be plowed. From there I set on survival gear foot.


My adjusted trip goal was to climb up to one of the ridges and get above the tree line, camp up on the mountain, and then come back down the following day.

There still wasn?t too much snow accumulation, and there was even some running water, which would have been a huge fuel saver. Unfortunately, there was none further up the mountain.


The elevation increase was rather quick, and after a few hours on walking, I started to reach more exposed area.


Soon after a I found a sheltered area where I could stop for lunch. I didn't bring my usual tortilla wrap type of stuff because it is hard to make and eat in the snow. I opted for bars which I would eat without too much hassle and while keeping my gloves on. While I was searing only liner gloves, they make a big difference, especially when there is wind. 


After this quick stop, I kept heading up, until I was on top of the ridge. It is not particularly high, but the winds were pretty severe. They served to sweep away most of the snow, which made walking easier.


The sun didn?t come out from behind the clouds all day. I figured it would get dark quickly, so I decided to set up camp. I found a flat are to the side of the ridge, where there had been very little snow accumulation, but the wind was not bad. It was to be home for the night.


I made a small fire for cooking and melting snow. Usually I don?t like to use a fire while it is snowing because the heat tends to melt the snow and get you more wet than you would be without the fire. In this instance however, the weather was not bad, so I didn?t mind. I still kept the fire small. It was enough to dry my gloves and cook my food.

It continued to snow on and off the whole night. I set out earlier than I ordinarily would have because I was worried about being able to get my car out. I just retraced my steps back.



My worries were for nothing. The car got out just fine. Despite the snow the weather was rather warm. The lowest it fell down to was 23F (-5C) during the night.


Nothing special to report on this trip. Just a bit of fun in the snow. Sometimes it?s fun to get out without doing anything too serious.

For the original version including any supplementary images or video, visit http://woodtrekker.blogspot.com/2013/12/trip-report-bear-mountain-121413-121513.html

March 18 2014


Ciappa M6 And X-caliber Survival Rifle/shotgun Combo First Look

Our friend at Rocky Mountain Bushcraft has brought us some great news from the 2014 SHOT Show. Apparently in April of this year, Chiappa Firearms will be releasing two versions of the popular M6 survival rifle.

survival kits border="0" alt="rifle" src="http://lh5.ggpht.com/-UYLJyIo-4Z0/UuK2-lIg2_I/AAAAAAAAMJk/7EnBz0jJ2lk/rifle_thumb%25255B1%25255D.jpg?imgmax=800" width="584" height="439">

In what I consider a great improvement, the rifle/shotgun combo will be offered in .22LR over 20 gauge (Chiappa M6) and .22LR over 12 gauge (X-Caliber) rather than the .22 Hornet over 410 of the original M6.

Apparently the guns will be in the 6 lb range, which is the lightest from survival kits which I would like to shoot a 3 inch shell, especially in 12 gauge. Unfortunately, both versions come only with fixed chokes. For full details, please read the post on Rocky Mountain Bushcraft here. I can?t wait until we can see the full review.

For the original version including any supplementary images or video, visit http://woodtrekker.blogspot.com/2014/01/ciappa-m6-and-x-caliber-survival.html

March 10 2014


Scott Expedition Successfully Completes Round Trip To South Pole

Last October I wrote about a team setting out to retrace the round trip journey taken by survival kits the British explorer Robert Falcon Scott in 1911-1912. As we know, Scott perished along with his men on the return trip from the pole, after being beaten there by the Norwegian team lead by Roald Amundsen. Well, it appears that now the team of Ben Saunders and Tarka L?Herpiniere has successfully managed to retrace Scott?s route to the pole and back, completing the trip in 106 days.


Unfortunately, on day 70 of the journey, Ben and Tarka had to call in for a supply drop, dissolving the unsupported status of the expedition. Until that point they had hauled all of their supplies, but were unable to travel fast enough to reach their next food depot; a tale strikingly similar to that which ended Scott?s life.

There are a lot of parallels between this expedition and Scott?s original one in 1911. One of the ways in which the two expeditions were different is the equipment used. Ben and Tarka used modern tools and clothing, as well as applying modern techniques. It is extremely unlikely that they would have gotten anywhere near to success without those advantages.

scott 2

scott 8

scott 6

scott 9

A surprising dissimilarity, which interestingly made this current expedition much harder than the 1911 one was not only that it was undertaken by only two men, but also that they had to pull much heavier loads for much longer than Scott?s 1911 team members. The reason for that is that much of Scott?s equipment was moved towards the pole by teams of men and horses who then returned rather than continuing to the pole. As a result, Ben and Tarka were pulling 440 lb each from the beginning, compared to the 200 lb pulled by each of Scott?s men, which they only started pulling once they reached the Beardmore Glacier.

Even though this expedition used modern equipment and techniques, it is hard to say if Scott?s journey, to that extent of having a small team of men pulling all of their supplies and equipment to the pole and back using this same route, is possible. At some point there is only so much weight a man can pull. There have been some studies done on the subject, and while people equipped in the manner of Roald Amundsen and his men were able to complete the same journey without serious problems, the team attempting to do it with Scott?s equipment and techniques had to be stopped due to health issues resulting from extreme weight loss.

Anyway, congrats to Ben and Tarka for this remarkable achievement. You can view much more information about the expedition here.

For the original version including any supplementary images or video, visit http://woodtrekker.blogspot.com/2014/02/scott-expedition-successfully-completes.html

February 23 2014


A Brief History Of The Modern Backpack

The history of the modern backpack is a difficult subject to tackle. The reasons for that are that development has not been linear, having many of the same features popping up in different places at different times, and because defining what constitutes a modern backpack is a tricky thing.

As Nena Kelty stated, ?Man has been carrying stuff on his back forever. A backpack is nothing new.?


Looking back in history, people have indeed always carried stuff on their back. One of the ways that has been done, which relates to our discussion of modern backpacks, is to use a bag with attached shoulder straps, i.e. a rucksack. This is the type of pack we see used by people like Nessmuk and Kephart. Another way stuff can, and has historically been carried on the back is with the use of a frame with attached shoulder straps. To the frame people have then tied gear, barrels, boxes, etc. The Alaskan pack frame is a good example, and was inspired by earlier Native American frame design.

While both of the above approaches are related to the modern backpack, and successfully allow for the carrying of equipment, I would not call either of them a modern backpack. Keeping that in mind, in this post I will look at historical occurrences of convergence between these two features. By that I mean, I will be looking at the emergence of a bag with a weight bearing and weight transferring frame, either internal or external. Also, please keep in mind that this is just a few notes I have gathered together because I was curious. This should not be looked at as in any way being a comprehensive work on the subject.

Knowing the inventiveness of man, a backpack which meets the above criteria has probably occurred in history numerous times at different places around the world. In this post I will try to look at more widely spread use of such designs, which have had a more direct influence on the packs we see today. One of the earliest documented instances of a somewhat modern pack design however, dates as far back as 3300BC. It is the pack of Otzi, whose body was found frozen in the Alps. We can not say with certainty exactly what the pack looked like, but one potential reconstruction looks something like this:


If Otzi?s backpack in fact looked similar to the above reconstruction, it would have been a relatively modern design. It features an external frame with cross pieces and a bag attached to it. There is no hip belt, so weight transfer would be minimal. Of course, this is just a guess. For all we know the pieces discovered might have been parts of a snow shoe. It is also not clear if this was the invention of a creative individual, or if it was a common and widely used design at the time. If it was the later, for some reason the use of the design is not readily seen in the millennia to follow.

The first clear, widespread and well preserved occurrences of a framed backpack occur in Norway in the late 1800s. The pack you see below is referred to as sekk med meis, literally meaning ?bag with a frame?, and dates to 1880.


Again, it features a frame to which a bag is attached. The bag itself is typical of the frameless rucksacks used at the time. There may be a strap that wraps around the waist, but doesn?t seem to have any load bearing function.

Probably the first patented framed backpack design was that of Colonel Merriam in 1886. It was a modification to the typical military knapsacks carried at the time.


While the frame looks cumbersome, and never saw widespread use, it is the first clear occurrence of an attempt to transfer the weight of the pack off the shoulders and onto the hips. While it does not feature a full hip belt, the design allows for significant weight transfer to the hips, allowing for the carrying of heavier loads.

The next patented backpack design was that by the Norwegian Ole F. Bergans in 1909.


The similarity to the earlier 19th century Norwegian framed backpacks is clear. It utilizes the same rucksack design that was used by people like Nessmuk and Kephart, and adds a metal frame instead of the wooden one we saw in the 1880 sekk med meis. The metal frame was shaped to the body, and while there was no hip belt, the curved shape of the waist piece would allow for at least some weight transfer to the hips.

In 1922, Lloyd F. Nelson patented the Trapper Nelson backpack. It was based on earlier Native American pack frame designs, and clearly evolved separately from the Norwegian pack designs. It much more closely resembles the possible reconstruction of Otzi?s pack.


The pack features a full frame with an attached bag, which could be removed. The curved waist piece that we see on the Bergans design is not present here, nor is any other device which would serve to transfer weight onto the hips. While the frame provides considerable rigidity, the weight of the pack is largely supported on the shoulders. Even though it is a later design, the Trapper Nelson pack seems further removed from the modern backpack than the earlier Bergans design. Even so, it was relatively successful commercially.

The next step in development of the modern backpack occurred in 1952 when Asher ?Dick? Kelty and Nena Kelty started to manufacture packs in their garage. Their packs featured an external aluminum frame which ran the whole length of the pack and had a hip belt which allowed for some weight transfer to the hips.


Even though Kelty did not pattern their design, they are widely acknowledged as the ones to first introduce this pack design on the market. While the pack would be recognizable to any modern backpacker as a classical external frame pack, it still lacked a full padded hip belt. On a modern pack, the hip belt design can allow for over 60% of the weigh, and as much as 90% of the weight to be transferred onto the hips. This was still not possible with the thin belt design of the early Kelty packs. The Kelty packs carried by Jim Whittaker and his team on Everest in 1963, still did not have a full wrap around padded hip belt.


Sometime in the late 1960s Kelty started to offer a padded wrap around belt as an option on their packs. I have not been able to find the exact date, or to determine if the belt design originated with any of its competitors.

In 1970 Kelty introduced the quick release hip belt buckle, and by 1972, when the Kelty Tioga was introduced, the familiar external frame backpack had come into being, complete with a bag, a full frame, and a full padded hip belt capable of transferring significant weight to the hips.

2-kelty-tioga-5500-classicsurvival kits src="http://lh4.ggpht.com/-6CDPwNv7tCM/Utgwd18gp5I/AAAAAAAAMH8/qDHTsXKQ96k/2-kelty-tioga-5500-classic_thumb%25255B5%25255D.jpg?imgmax=800" width="584" height="410">

The above picture shows a modern Kelty Tioga backpack. It has all of the features of what I would consider a modern backpack.

Once all of the features of a modern backpack came together, soon after, the internal frame backpack was released. There is some debate as to who made the first prototype, but it is generally accepted that in 1973 Kelty released the first commercially available model, the Kelty Tour.


The Kelty Tour you see in the above picture is the first of a line of packs that has come to dominate backpacking, and for most people will constitute the image of the modern backpack. It is based on a large compartment bag, with an internally contained full length frame, which survival kits transfers the pack weight to the hips using a full padded hip belt.

There is however another more recent development in evolution of the modern backpack, that is sometimes ignored because of the relatively small market it reaches. It began in 1997 when Patrick Smith founded Kifaru. Kifaru, along with several other companies have pioneered a form of an external frame pack, which would hardly be recognized by most people as such. Similar designs are offered by Stone Glacier, Mystery Ranch, Kuiu, and Paradox Packs.


The above picture shows a Stone Glacier pack, utilizing their Krux frame system. The packs are mostly used by hunters, which require the ability to carry very heavy loads. Whether this type of pack spreads to a wider audience is still to be seen. What is clear is that it is not your regular external frame backpack.

All of the above is just my brief overview of the history and development of the modern backpack. Of course, all along, different designs have co-existed. Frameless packs have remained in existence and are prevalent in ultralight backpacking circles; external frame packs like the Kelty Tioga are still in production and can be seen on the trail, and in some areas, even older methods such as pack boards remain in use.

Some of the above pictures contain hyperlinks to site where I have either gotten the image or contains information on the subject. Make sure to check them out.

For the original version including any supplementary images or video, visit http://woodtrekker.blogspot.com/2014/01/a-brief-history-of-modern-backpack.html
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