Learn Oilfield Jobs At Oil Rig School
Working on an oil rig is demanding work. For example, a person who is working on a land rig in Alberta can expect to work two weeks straight and then get one week off. They will be working 12 hour days, which works out to 84 hours per working week. Pay is calculated based on 44 hours of regular pay and 40 hours of overtime.
Offshore oil rig workers will likely be scheduled for two weeks on and two weeks off. A roughneck can expect to make between $60,000.00 and $70,000.00 per year, plus bonuses. These workers also get excellent bonuses.
If you are interested in working on an oil rig, you will want to be prepared for what working (and living) in this type of environment will be like. A number of companies offer courses for new workers.
A Basic Offshore Survival & Firefighting Certificate course can be completed in a few days. Once you have successfully completed it, you will receive a certificate that is valid for a period of four years. Having this certificate in hand will make you more attractive to a prospective employer than someone who does not have this designation.
The course will cover how to use lifejackets correctly, swimming techniques, and water safety. Students also learn how to climb a rope and how to safely jump into the water from a considerable height.
Maritime Drilling Schools Ltd. is one example of a company offering oil rig training to prospective oil workers. Classes are offered at locations in Nova Scotia, Florida, South Africa, and Australia.
A person enrolling in the Pre-Employment Floorman (or Roughneck) program will receive 20 days of rig training (hands on), safety procedures, and drilling. Students will learn about the different parts of an oil rig and how the drilling process works. Once the course has been completed, each student takes a final exam lasting for one hour. A minimum grade of 70 percent must be achieved to pass the course.
Someone who has some experience working on the oil rig may be interested in enrolling in the Drilling
Safety Manager/Trainer program. This program is conducted over five weeks.
The first part of the safety drilling safety manager program is a one-week course on safety management. It covers basic oil drilling from a non-technical point of view, including the role the various crew members on the rig play in the operation.
Slides, videos, and PowerPoint presentations are used to explain to students how to lay down pipe, make a connection safely, how to use tongs, and how tripping pipe works (in and out of the hole). When this portion of the course is finished, the student will have learned to identify unsafe practices on the drilling floor.
The second part of the course takes three weeks, and is designed to give the participants the information they will need to develop and implement safety programs on an oil rig. It includes fall safety and how to erect scaffolding properly to avoid accidents. Basic fire safety is covered, along with how to safely work in confined area. Other topic areas include basic First Aid, CPR, Hazardous Materials, and Occupational Health and Safety issues.
In the third part of the course, the students receive instruction on how to use Microsoft Office programs (PowerPoint, Excel, and Word) to create training materials for employees. Part of the Drilling Safety Manager/Trainer’s job responsibilities are to educate fellow workers about safety issues. In addition, these people will be asked to prepare safety reports, including charts and graphs, so that safety documentation is kept current.
Calculate Pain And Suffering The Right Way And Settle Your Car Accident
How to calculate pain and suffering? This is a difficult and controversial issue. When you are in a car accident, the insurance company wants to get a written document that releases any and all claims against the person that caused your damages and injuries. To get that release, the insurance
adjuster must compensate you adequately.
You are entitled to special damages (medical bills, wage loss, medicine, etc.) and general damages (pain and suffering, loss of consortium, physiological injuries, etc.) Most of the time, calculating the Special Damages is not very difficult and there is not much debate over the value of the medical bills, wage loss, and other medical expenses. You can add them all up and submit your receipts. However, calculating general damages, which includes pain and suffering, can be very difficult.
How much is your headache worth? Depends who you ask. If you ask the insurance adjuster, she will tell you about $5. If I ask you, then it is probably worth much more than that.
Personal injury attorneys use the medical bills or all “special damages” as a way to calculate general damages. Some multiply the medical bills by two, other by three or even four times (depends in your
jurisdiction). This is only a rule of thumb. The insurance adjuster will fight you and will tell you that that is not an accurate way to calculate pain and suffering. There are no laws that will give you a formula to calculate the value of the injury.
Simply multiplying your medical bills will not yield an accurate number. You could have an injury with medical bills of $2,000 but the pain and suffering be worth much more than three or even four times that value. For example, a fifteen year old girl that suffers a cut in her face, leaving a scar from her eye to her chin. Medical bills for stitches and cleaning the wound might not be very much, but the psychological injury of growing up with such injury could be worth much more.
Multiplying the medical bills is not very accurate when assessing the value of pain and suffering, however it can guide you. Remember that there are many more claim than just “pain and suffering” in a car accident. You can ask for loss of consortium, loss of earning capacity, loss of quality of life, etc. For a detailed list and explanation of each type of claim, visit http://www.auto-insurance-claim-advice.com/bodily-injury-claim.html. All of these claims can add to a lot of money. Most people forget to ask for any of those types of damages. Insurance companies do not explain the process and they just want a release for any and all claims, including all those damages you forgot or did know to ask for. Insurance companies do this on purpose. Be aware.
Insurance adjusters are ready to tell you that the value of the injury is separated from the accident itself. They are trained to argue that they are settling for the neck pain, not the fact that the total loss settlement
was low. They try to narrow the scope of the settlement. For example, they will tell you that the fact that the driver that hit was drunk is not accounted for because they are looking at pain and suffering. Your pain will not be more or less because someone else was drunk. If you were hit at the same speed and the
same conditions by a sober person, your pain and suffering would be the same (same impact, same injury).
The insurance adjuster would be correct; the pain would be the same. But remember that what the insurance company is doing is “buying your lawsuit”. Would the fact that a driver hit you while intoxicated increase the value a jury would award you? I think the answer is probably yes.
To get the most out for your pain and suffering, use the value of your medical bills, the circumstances surrounding the accident, the type of injury, similar cases jury awards, and all the bodily injury claims you
can make. Double check every argument the insurance adjuster is making. Make sure you are getting a fair treatment.
Carriage Driving
The horse-drawn carriage is a familiar image to most people. Despite the advent of the automobile (the “horseless carriage”), there are still many people who regularly engage in carriage driving, both for sport and recreation. In the horse lover’s world, carriage driving is a creative niche with a rich history and colorful characters. Like any sport, it takes years of training and practice to master it.
History and Variety of Carriages
Since the first horses were domesticated by people, they have been pulling them in carriages. The Romans built chariots and wagons, and used them both in battle and for entertainment. The Celts used a “horsecart”: a platform suspended in an elastic frame. The early Europeans constructed the first “closed” coaches, and the rich decorated theirs with gilded frames, glazed paint, and fancy upholstered seats.
Today, carriages are built with distinct purposes in mind: work (heavy, solid materials), competition (light, elastic materials), and pleasure (a blend of materials that provide comfortable seating for driver and passengers). Though most carriages fall into these three general carriages, there are seemingly endless varieties of specific carriage types:
oThe Chariot: Named for the ancient Roman carriage from which it evolved, the chariot is a light, four-wheeled carriage with a coach box and back seats that was popular in the 19th century. It was typically used to carry important heads of state during a triumphal march.
oThe Sulky: Two-wheeled cart used in harness racing.
oThe Horse and Buggy: Old-fashioned but still popular today, the horse and buggy is a light, two-wheeled or (more commonly in the U.S.) four-wheeled carriage that seats two people. Also called a “roadster,” it can be pulled by one or two horses.
oThe Stagecoach: Four-wheeled, enclosed carriage pulled by a team of four horses. Prior to the construction of the railroads, stagecoaches were a common means of travel.
oThe Brougham: Four-wheeled, enclosed carriage that was usually fancier than a stagecoach, but also used for travel. Also unlike the coach, the Brougham had a front window that allowed its passengers to see forward.
These are only a few of the carriage types used both in the past and still in use today. Whatever your ultimate goal in carriage driving, chances are there’s a carriage already out there that will suit your needs.
Training: Safety, Practice, Teamwork, and Equipment
Safety is paramount! It is the number one consideration in any driving practice or training. No matter what kind of riding or driving you do, everything you do on or near or behind a horse should be based on preserving the safety of you, your horse, and (when you’re driving), your surroundings, including the lives and property of others. One of the best ways to do this is to come up with a safety checklist. That is, you should develop a step-by-step method of getting ready to drive, from start to finish. The checklist should include checking the condition of all harnesses, reins, bits, and other driving equipment. It should also include checking the condition of the carriage, like checking for worn connections, rotting wood, and rusted, weak metal connectors. Finally, you should conduct a common sense check of your team’s mood (anxious, nervous or ill horses can be dangerous when pulling your carriage!), the weather, and any other environmental factor that could impact your carriage ride. It’s very easy to grow complacent over time and skip steps, but forcing yourself to abide by a consistent method will help safety to become second nature.
Additionally, you need to spend time in the driver’s seat. Simply put, the more hours you spend driving, the better a driver you will become, given that you have put an initial investment in training time with someone more experienced than you are. In fact, the American Driving Society awards points to recreational drivers who reach certain milestones in number of hours in the driver’s seat.
The next guideline is simple to understand, but often difficult to put into practice for those independent-minded drivers out there: it takes a team. Unlike riding your horse, which can be done alone, by one person, driving is a team effort (and we’re not just talking about the “team” of horses pulling your carriage). Having a second (or third, or fourth!) set of eyes on the overall project of harnessing up your horses helps prevent careless mistakes.
Finally, the quality of the equipment you use matters. Investing the time, effort and money to have quality harnesses, snap shackles, bits, helmets for the drivers and passengers, and other equipment is very important. Sub-standard equipment will fail more easily, and can make a bad accident worse.
Carriage driving, whether you do it to relax or to win, can be a rewarding way to spend your time. It has been a favorite pastime and practical means of travel for all kinds of people, from paupers to kings. It is challenging to learn and even more challenging to master, but if you take the time to enjoy the journey, you will make lifelong friends (of both the human and horse variety!).
A Quick Look at Jewelry Hallmarks
British Hallmarks are the best in the world.
Who says so, the rest of the World. Although to be fair, other countries have great hallmarks too, it is just that they are NOT so often seen.
A book on World Hallmarks for Gold or Silver items is a must for any serious collector or dealer, but they can be a little intimidating and time consuming. Is that mark a Cockerel or a Tree? Could it be made in Switzerland or Germany?
Thankfully for the rest of us, a small pocket book on UK Hallmarks is more than up to the task, coupled with that very useful plastic 10X eyeglass I keep on hinting for you to buy.
It will show you that the item has been tested and stamped, to prove it is – what it says it is (9ct or 18ct etc).
British Jewelry with a full UKHM (United Kingdom Hall Mark) is generally clearly stamped and readable after you clean it (check the website below for another complimentary article on ‘How to Clean your Jewelry at Home’).
Once you are aware of the marks, you will always feel just that little bit better when you buy that ‘Could it be an Antique?’ item at the local market, or from the guy in the Pub that everyone talks about but nobody knows.
Buyer Beware….
*Six marks on British Jewelry.*
Yes… Six?
# 1: The Maker’s Mark (Usually some initials). Not all that important for everyday items, unless you want to collect Jewelry from one maker. Silver collectors may want to buy items from say, Bateman (I should be so lucky).
# 2: The second stamp is the Assay Office mark or ‘Mark of Origin’. It tells you where the item came from. The most common is the LONDON Hallmark. A Leopard’s Head. Sometimes this has a crown on the Leopard’s Head (until circa 1821). Modern items do
NOT have a crown on the Leopard Stamp.
The other most common Assay Office marks are from Birmingham (an Anchor). Once there were many Assay offices around Great Britain and Ireland, the Chester mark for instance. Now there are just three offices left in England, Sheffield being the last using a ‘Rose’ on gold Jewelry (DO NOT CONFUSE THIS WITH ‘ROSE GOLD’ JEWELRY) as that is a color, not a mark.
In Scotland there is Edinburgh, while in Ireland there is Dublin. Pity the poor Welsh are left out again!
# 3: The next is the Assay Quality mark and is shown as the ‘Lion Passant’ (which means ‘looking ahead’) and is a guarantee of quality. This was later changed to a ‘CROWN’ mark with a stamp showing the quality of Gold…. 9ct or 18ct etc.
# 4: Finally, and possibly the most important mark, was the Date letter mark. It changed each year so we can tell when the item was made.
Occasionally there is an extra mark.
# 5: An example was the Queen’s Silver Jubilee in 1977.
Suffice to say if you see a Brooch with four or five marks and one of them is an Anchor with an 18 next to it and a letter ‘C’ next to that…. It’s a safe bet it was made in Birmingham in 1927, or was that 1952, or 1902, or, or, or…..
Buyer Beware the man in the Pub.
As with most Jewelry items though, our advise has always been to buy the best QUALITY you can afford from a reputable dealer who will guarantee it.
Other than that, your plastic 10X eyeglass sure helps a lot….
P.S.
If you administer a website or publish an ezine, please feel free to use this article as long as you leave all links in place, do not modify the content and include our resource box as listed below. Although it’s NOT compulsory I would personally appreciate it if you could send me an email at: gemmo1@online-jewelry-appraisals.com to let me know if and where you used it. If you need other great content – complimentary of course – then drop me a line at the email address given – ’cause I’ve got Quality Content and Gallons of the stuff….
(c)David Foard – All Rights reserved
Dragon Year (2012-13): Fortunes of the Ox!
Is your birth year the Second Sign of the Chinese Zodiac? Were you 12, 24, 36, 48, 60, 72 (and so-on in 12-year increments) between 26th January 2009 and February 3rd 2010? Do your partners, friends, relatives or colleagues fall into this category? If this is so, this article might interest you. Or, if you simply want to discover more about the Ox and the Chinese 12-Animal System, read on!
The Current 12-Year Cycle, Began with Rat Year (2008) and Ends With Pig Year (2019-20) Ox Tales (Ox YEAR TWO of TWELVE 2009):
Earth Ox Year 2009 was the second of the current 12 year Ghanzhi Cycle. Huang Di, the Yellow Emperor (circa 2,700 BCE) introduced the current Chinese Calendar and Ox year was 4706 in Chinese Calendar terms.
The Ox is intelligent, hard-working a natural leader and by nature Oxen are good-tempered, but if they lose it watch out! ‘Prominent’ Oxen include Barack Obama, a Metal Ox. The Element’s hard, strong and enduring nature suggests his obvious resilience and capacity for prolonged hard work. A list of famous Oxen precedes the Ox Horoscope which follows.
In the Elemental Cycle accompanying the 12-Animal Cycle, Elements repeat twice, successively. Ox Year 2009, was second (Yin) of two Earth Years (following Yang Earth Rat Year 2008).
Key Ox-Year qualities include persistence and intelligence. Folk aligning themselves with those of outgoing Rat Year (hard work and sensitivity) first of the cycle’s 12, could build (intelligently) on their efforts through persisting in them for another year.
The Ox
Ox Years:
1901 Metal; 1913 Water; 1925 Wood; 1937 Fire; 1949 Earth; 1961 Metal; 1973 Water; 1985 Wood; 1997 Fire; 2009 Earth; 2021 Metal
Famous Oxen Include:
Napoleon Bonaparte, Paul Newman, Vincent Van Gogh, Barack Obama, Richard Burton, Jane Fonda, Charlie Chaplin, George Clooney, Clark Gable, George Frideric Handel, Aishwarya Rai, Wayne Rooney, Bill Cosby, Eddie Murphy, Robert Redford, Peter Sellers.
Personality
Oxen are intelligent, reliable and make natural leaders. They are very determined individuals who willingly endure hardships to achieve their goals. Oxen prosper through their will-power and hard work and are patient and tireless in their endeavours. Reliable, patient, calm and self-effacing they epitomise the ‘strong silent’ type, yet can be most eloquent should the occasion demand this.
Oxen, however, can also be stubborn, dogmatic and judgmental. They prefer to lead and dislike to be pushed around, consequently they frequently need to develop their listening skills. Oxen value their partners, families, and close friends highly and are good at making lasting relationships.
In relationship terms, Oxen are most compatible with those born under the Signs of the Rat and Rooster/Chicken and least compatible with the Tiger and Horse.
Ideal Ox Careers and Occupations Include:
Medicine, Physiotherapy, Construction, Military, Business, Art and Music, Law Enforcement, Education, Law, Insurance, Horticulture, Academia and Archeology.
Ox in The Dragon Year
Ox feet should remain firmly planted on the ground this year and a degree of caution exercised throughout. Uncertainty about career, at work, or with colleagues means Oxen should show patience and avoid disputes.
Swinging this-way- and-that and with potential ups-and-downs also, Ox finances need careful managing. Scrutinise all contracts meticulously before signing and check your bank-balance regularly.
Caution is also the keyword in relationship terms this year for both married and single Oxen.
In Fact
The Yellow Emperor, Huang Di (circa 2,690-2,590 BC) is credited with creation of the Chinese Calendar in its current form, although it is certain it was in use long before this. Yin/Yang and 5 Elements Theories, fundamentally affecting the way his Calendar operates (1),(2) are also credited to the Yellow Emperor and exert powerful influences on events to this day.
Dragon Year 2012-13 is Year 4,710 by this Calendar, which is also used by many other countries of S.E. Asia. The Chinese who also (not surprisingly) invented History as a Subject for study, have the longest written and consistent, chronological record of events on the Planet (one from which we can learn lots!)
You Need to Know About Horseshoe Kidney
Horseshoe kidney is a congenital disorder, distressing roughly 1 in 400 people, in which a person’s two kidneys fuse jointly to develop a horseshoe-shape throughout progress in the womb.
A horseshoe kidney is notable due to its atypical location, its unusual orientation, its abnormal blood supply, and the problematical placement of the ureters into it. All of this could cause a higher risk of kidney disease and complications.
Horseshoes kidneys don’t typically lead to symptoms by themselves. But, medical conditions or complications related with them could bring about substantial symptoms. For a lot of people, by the way they are found through a radiology test completed for another reason or on autopsy.
Treatment for the horseshoe kidney itself is contentious and not typically revealed. As an alternative, treatment is typically aimed at the complications produced by it.
Horseshoe kidney has been informed to be related with increased risk for renal neoplasms, like Wilms tumors, renal carcinoids, and transitional cell carcinoma. People affected by this disease can feel nausea, abdominal distress, kidney stones and urinary tract infections.
In a child with no symptoms, treatment may not be needed. If your child has complications, he/she might need supportive treatment, which means his/her symptoms will be treated, but there is no cure for the circumstance.
Exact treatment for horseshoe kidney will be decided by your child’s physician rooted in your child’s age, overall health, and medical history; the extent of the disorder, your child’s broadmindedness for certain medications, procedures, or therapies, hopes for the course of the disorder, your judgment or preference.
Your child can be checked to an urologist and/or a nephrologist for evaluation.
Creative Shoebox Diorama Ideas For the School Season
Shoebox Dioramas are a part of every school year and in just about every grade they serve as a wonderful learning tool. They are used to learn the arts and crafts of making things and they are used to also learn about subjects. This article shows you some creative ideas from both the arts and crafts aspect and the learning aspect.
The Arts and Crafts of Shoebox Dioramas
There are a lot of common ways to make a shoebox diorama and they include tape, glue, construction paper and all the regular assortment of arts and crafts stuff but there are a few things you can do to make a diorama just a little bit special. Here is a list of ideas:
If you are doing an underwater scene you can cover the front of the box with Saran Wrap or thin plastic. This gives the diorama an underwater feel
Use string to utilize the full three dimensions inside the box; suspend objects from strings or tie strings from side to side and top to bottom and attach objects to the strings. This works well for flying objects like bird, pterodactyls or even clouds and stars.
Cut slots in the back and top of the box and use this to insert objects that you can move across the diorama. Make a bird, boat, comet or some other type of moving object then attach a tab to the back of it. Insert this tab in the slot then you can grab the tab from the back and slide the object across the diorama. This adds a nice little interactive element. This works well with all kinds of things from a rising sun, flying bird, erupting volcano or just about anything else that would move.
Think outside the shoebox! There is no need to run out and buy a new pair of shoes if you don’t have a shoebox. A more than adequate box can be made from scraps of cardboard or even a few cereal boxes cut and taped together. And there is no need to make a typical shoebox shape. Be creative in the shape you make. It adds a dimension of interest to the project. Half round, amphitheatre shapes are commonly used for dioramas and look great.
Achieving Depth – The most common trait of an average shoebox diorama is that it has a decorated background and objects placed on the bottom surface. You can add an attractive touch by decorating a strip of paper that is about two inches wide with a foliage pattern then attach this to the inside bottom of the diorama about an inch from the back wall – it reaches all the way from the left side to the right side. This adds a lot of depth and makes it look much more interesting.
Using alternate materials – You don’t have to use cardboard or boxes. As an example, if you are doing a polar bear or penguin diorama you could use white packing Styrofoam. If you are doing a desert scene you can apply glue to the bottom of the diorama and sprinkle real sand on it.
Theme Ideas and Learning Tools
The biggest point of a shoebox diorama is to show a natural habitat of something. In the process of drawing and cutting out the various objects a child is learning about the habitat. This is great but you can take it to new levels with a little thought and a little creativity.
Freezing a moment in time – A diorama is a moment in time and you can focus on this. Some good examples are you can have a meteor streaking across the sky of a dinosaur diorama; this explains a theory of extinction. Or you can show a large predator fish about to eat a smaller fish as it is eating something even smaller. This dramatic moment in time is a good display of the food chain.
Interactions in a habitat – The focus of a diorama is often to correctly identify and place the right objects for a natural habitat but you can take this to a new level by focusing on the interactions within the habitat. The upper layer of canopy in a rainforest blocks out sunlight from the lower layers and this is an important aspect of the rainforest. A coral reef provides shelter for many creatures in the sea and a diorama can display this.
Adding a Fact Sheet – This is a great tool that should be added to every diorama. You should make a fact sheet that can be glued to poster board and stood up near the diorama. The sheet explains the basic facts of what the diorama is about.
Diorama Ideas
Here are some ideas you can use as a theme for your diorama:
The Natural Habitat of just about any creature like fish, polar bears, black bears, penguins, wolves, humans, dinosaurs, camels, lions, tigers, monkeys, elephants, dolphins, and well you get the idea!
A Desert theme complete with pyramids, mummies and camels is fun
A Rainforest is a good diorama for teaching about diversity and the interaction of species
An astronomy diorama complete with sun, planets, comets, and stars in the background
A medieval Castle scene complete with catapult or dragon
Underwater scenes are always popular
Arctic themed dioramas are fun because of the creative options for snow and icebergs
Whatever diorama you choose to make you should take a little time to make it different and unique and there are lots of creative ways to do that. Have fun with your project!
Public Records on Home Sales – Where to Get Them
In today’s fast paced real estate world many people want to purchase homes in alternative ways and flip them, i.e., fix them up and turn them around for a profit. So that you do not pay too much money for the property it is very important to become familiar with your county’s public records on home sales.
In order to do this you have to get your background information about the property in order so you must check out your local resources on public records on home sales.
Much of the information you need is now online so you can do your homework at home in your pajamas but your County Recorder’s Office is an excellent place to go and familiarize yourself with their records. They are friendly and worth their weight in gold when you need what they have.
First you can track down the recorded documents on the property through your city Assessor or your County Assessor’s office. In their information they will have the “book and page” of the recorded documents on the property: the mortgage, the Declaration of Value, a Ground Hazard Information sheet and other pertinent documents. The Assessor’s Office can also tell you information about the property they acquired during their assessment procedure in order to establish the amount of property taxes on the property.
All of this information will be interesting to you when you focus on a property that you want to buy: you have to know how much was paid for the property when it was last sold, who presently owns it, especially if it is a foreclosed property. If the property is presently owned by the present buyers you may be able to go to them directly to buy the property rather than through a real estate agent or bank or foreclosure company representing the lender.
Another source of public records on home sales you will want to check is your local Sheriff’s office to find out whether there has been a “Sheriff’s Sale” on the property, the first step in the foreclosure process, where the property is sold at a Sherriff’s Auction for the amount due to the lender or more. Typically the lender will buy back the debt at this point to ensure they maintain their ownership role in the foreclosure procedure.
When the information in question becomes recorded information, it is free and available to anyone in the public realm who wishes to obtain it. Public records on home sales are by their very nature free to access by anyone, so the public can track prices on sold properties, so anyone can know what a property sold for to compare it to other possible sold properties to determine a price for a house going onto the market.
The market is driven by this information so that appraisers can determine value on pending properties about to close.
Low Cost Home Owners Insurance – How To Get It
There are proven ways to get a low cost home owners insurance policy. It’s a fact that home insurance in the US is high. However, it’s also a fact that most people are paying far much more than they should. Here’s how to get lower rates…
To set the tone, you need to understand what affects the cost of your home insurance policy. I’ll quickly take you through them because with such understanding you can make more informed decisions in lowering your homeowners insurance costs.
1) Your location. This generally checks how safe you area is. This refers to how close you are to a fire station or fire hydrant, a police station, the likelihood of perils and such.
2) What your house is built of. If your house is built with bricks you’ll pay less than if it is a frame house.
3) The age of your house. Newer homes are less likely to attract a claim than older ones for the simple reason that everything is still new. Therefore, they cost far less to insure than old houses. Some insurance companies will NOT insure very old houses.
4) The extent of coverage you buy. The wider the scope of your home owners insurance policy, the more you’d have to pay.
5) Safety and security features. You’ll pay less for a house that has dead-bolt locks and alarm systems than a comparable house that doesn’t.
6) Having more than one policy with the same insurer. Most insurers will give you discounts if you insure your car and home with them, for example.
7) Your deductible. This is the amount you must pay if you make a claim. The higher it is, the lower your premiums will be. However, care must be taken to ensure you do not choose an amount that would be difficult for you to pay.
Now that you know all these, here’s a simple way to get low cost home owners insurance within minutes…
Visit at least three reputable quotes sites. Obtain quotes from them and then compare them to see which insurer offers the best price/value. It’s that simple but will save you so much.
Advice on How to Care for Your Horse’s Coat
In preparation for winter, horses’ coats will become thicker and their finer summer coat will be shed, making way for a warmer winter coat. Between September and January we will see hair just about everywhere as it is shed from our horses’ coats. So very soon, many of us will be reaching into the far-flung corner of the tack room to find the clippers we stored last year.
There are many styles of clip that can be applied to your horse’s coat and the choice of clip will primarily be dependent on the type of work you require from your horse. The purpose of clipping is to prevent the horse from becoming chilled after exercise if they have worked up a sweat. Having a longer coat will mean that the sweat will stay on the horse and become cold. If the horse is clipped any sweat can easily be absorbed by a cooler rug.
The purchase of clippers should be looked upon as an investment and quality and performance should always be high on the purchasers list of requirements. If purchased second-hand this can be compromised and often they will not come with a manufacturers guarantee. There are different clippers available and your choice will be dependent on weight, noise volume, grip, requirement and size. Smaller clippers (many can often be battery-powered), can be used for trimming whiskers, whereas larger, more comprehensive clippers that run at a higher speed will be required to clip manes and tails. Trimmers should always be used around the more delicate areas, eyes, hooves, bridle path and ears.
Horses should be clipped throughout the season to prevent the coat form becoming too thick. Horses that are more nervous when being clipped should be clipped using finer blades. This can help the clip to last for longer before it needs doing again. Blades can be purchased from 1mm to 7mm coat thicknesses. Generally they will last between 5 and 10 full clips. It is recommended that a spare set of blade be available before beginning any clip to prevent having to continue clipping should the blades become too blunt mid-clip. Blunt blades should never be used as they pull the coat and are particularly inefficient.
Clippers and their blades are not an inexpensive item so should be looked after well. If the blades become hot when clipping, cooling agents should be applied before continuing. Before putting the clippers away they should be fully cleaned and oiled in order to prolong their life. It is important to note that WD40 should never be used as a lubricant as it can be electrically conductive. There are many ranges of specifically formulated oils designed just for clippers that should be used instead. Oil should be applied in 5minute intervals, in between the blades in order to fully lubricate the entire rotating crank mechanism. The air filters of most clippers can be soaked during cleaning then rinsed. The blades should be removed, cleaned then fully smeared in oil.