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Buying Tips
    

Industrial Boilers
A boiler system should be capable of meeting the building's peak heating demand while also operating efficiently at the more common part-load conditions. Sizing and selecting a boiler system properly, therefore, requires knowledge of the peak heating load, as well as an understanding of the load profile. If building loads are highly variable, as is common in commercial buildings, designers should consider installing multiple, smaller (modular) boilers. Modular systems are more efficient because they allow each boiler to operate at or close to full rated load most of the time, with reduced standby losses.

Maintenance and Operations Tips
Several diagnostic and preventive procedures are important to maintaining efficient operation. Flue gas temperature monitoring is useful in detecting efficiency and operation problems. Maintaining st eady excess air levels (with an oxygen "trim" system) ensures that burners will mix air and fuel efficiently. The Boiler Efficiency Institute provides maintenance and operation manuals for boilers and boiler controls (see "For More Information," below). Low water levels can damage boiler vessels, so water levels must be checked frequently. Water treatment prolongs the life of boilers, while increasing efficiency. Waterside and fireside surfaces should be cleaned annually. Steam boilers should be blowndown daily to remove sludge and sediment.


Real Estates
One of the biggest lifetime investment that one makes is buying a home, an important commitment and a significant lifestyle choice. All of us dream of owning a house one day. This indeed is a powerful motivation to buy. But you must consider the practical part of it

'You want to move closer to office, local schools, markets or recreation facilities etc. Saving time and money on your commute may offset the cost of owning a home. Homes located close to these kinds of amenities traditionally have had good resale value. '

Evaluate Homes
'Evaluation is a must when shopping for homes as a stitch on time will save nine, you ought to pay profound attention to the essentials in your prospective house'.
It usually happens after you've seen four to five houses, and despite doing everything suggested, you can't seem to place that one house you really liked. Or, you'll find that you still like a particular house better than all the others you've seen and will want to go back for an extended look.

If you know what to look for, you can spot problems early on in the game and save yourself some time. Here are some physical things to check out while you evaluate your future abode.

Overall impression of the exterior
Does the house seem in good shape? Is it sound? Step back: Are the lines of the house straight? Is the mortar between the bricks cracked or chinked? Is the paint peeling? Is the aluminum siding dented, dirty, or in really good shape? Is the sidewalk cracked around the house? Does it appear to pitch in toward the house or slope away from the house? It should ideally slope away from the house.

Windows and door frames
Are they in good shape? Are there storm windows? Has the caulk dried out and pulled away? Are they cracked? Can you feel air blowing in? Are the frames square? Are there cracks in the plaster above the door frames?

Overall impression of the interior
Does the home appear to be sound? Are the stairs shaky? Is the kitchen or bath linoleum tile peeling or bubbled? Are there discolored patches on the walls or ceiling? Are there other signs of leaks? Is the plaster cracked? Is the paint or wallpaper peeling? Are the walls and ceiling straight? Do doors, cupboards, and drawers open easily? Is the house clean?

Attic or crawl space
Is there insulation? Has it been laid out properly? Is there a fan? Are there air leaks? Is there poor ventilation?

Plumbing and electricity
Turn on all the faucets, showers and bathtubs. Is everything working? Do they drain well? How's the water pressure? Does the water have a funny smell? Does the home use city water or have its own well? Do the lights seem to work? Check the fuse box or circuit breaker. Are there enough electrical outlets? Or is everything connected with extension cords? Are there enough telephone jacks?

Basement
Are there cracks in the walls or foundation? Does it smell musty, stale, or damp? Does the basement leak? Is the house in a flood plain? (The listing agent may or may not know the answer to this question. You may have to find out independently by visiting the local municipal office.

Mechanicals
How old are the hot water heater and furnace systems? Is there an air-conditioning system or are there window units? How old are the window units and do they come with the house? Does the listing agent have any information on the heating, electricity or water bills?

Pests
Is there evidence of termites? Cockroaches? Mice? Check any wooden beams for tiny holes or piles of sawdust.

Other questions to consider..
You should sit down on the furniture and try to imagine living in the home. You should look around and think about where you would put your furniture. Ask yourself these questions:

  • How would you feel about coming home after a hard day's work?
  • Where would you relax?
  • Can you see yourself cooking in the kitchen?
  • Will your furniture fit into the living room?
  • Is the bedroom quiet enough for sleeping?
  • Open up the windows and listen to the sounds of the neighborhood. Are there noisy wind chimes? Children? Dogs?
       Dump trucks? Airplanes? Is the house on a flight path? Are you listening to a nearby or distant highway? Local traffic?
       Frequently-used train tracks? Are there other noises?
  • Do you feel relaxed in the house?
  • At this point, you might be able to make up your mind about the house. For some first-time buyers, the second showing clinches it and they make an offer. However, other first-time buyers need a third, or even fourth, showing.


    Figuring out how much a home is actually worth is a tricky process. You'll have to do your homework, pull out your calculator, and spend some time learning to recognize certain "value markers."
    Once you've figured out what a property is worth relative to others that are similar in the area, you can begin to compare various homes. consider these avenues before you contemplate your first move:


    Location
    Where a home is located (within a city, within a neighborhood, on a particular street, within a single building) is crucial to determining its value. When you begin to compare homes, it's important to factor location into your house valuation formula.

    Single-family House
    First, think about where the house is located in relation to the entire neighborhood. Are shops and various services within walking distance? Is the house close to major forms of transportation and to the schools your children will be attending? Is it too close to any of these amenities?

    Many families want to be within a few blocks of the local public school, but they prefer not to have their backyards adjacent to the school playground.

    Next, think about where the house is located on its block. Is it on a corner, or on the interior row? Is it next to a high-rise building or a three- or six-flat building? Are there many homes just like it on the block? Does the block have a nice residential feel or is it mixed residential/commercial?

    Apartment
    If you're considering an apartment, start by asking yourself about the townhouse's location in relation to shopping and service retailers, such as a grocer. If the apartment is located within a suburb, compare its location with the premium location within that suburb.

    For example, is it better to be located on the perimeter, or is an interior location better? Are end units more prized, or are middle units preferred? Are you close to the entrance of the suburb, or do you have to drive several blocks to get there? Condominium Or Co-op The location questions for a townhouse apply here as well. If your condo or co-op is located in a high-rise building you also need to consider where the unit is located in the building. If one side of the building has a fabulous view and another faces a windowless brick wall, you can bet that units with the full view will be more prized than units with a peek-around or no view. Which is more important to you, the lower cost or the better view? Remember that a unit with the best view in a building will generally appreciate faster than a unit with only a so-so view, even if the so-so has more amenities.

    Market Forces
    When comparing one home to another, it's important to know what kind of market forces are shaping their value. When real estate agents and brokers talk about "markets," they mean how quickly real estate is being bought and sold. There are three kinds of markets:

    Buyer's market: A buyer's market occurs when there are too many homes for sale and too few qualified buyers to purchase them. In terms of supply and demand, a buyer's market means there is too much supply and too little demand. Prices tend to come down because homes are taking a long time to sell. The market favors the buyer.
    Seller's market. In this type of market, there are too few homes and too many qualified buyers who want them. In other words, demand exceeds supply. Prices tend to go up, and homes tend to sell quickly. The market favors the seller. Real estate agents like this kind of market because properties will turn over very quickly.
    Neutral or balanced market In a neutral or balanced market, the numbers of homes for sale and home buyers to purchase them are about equal. Homes sell steadily, and for reasonable prices. As you begin to compare properties in different neighborhoods, it's important to know what kind of market forces exist in each neighborhood, because they will affect the value of the properties. For example, if you like a home and it is in a seller's market, you may offer more for the home than you would if it had been in a buyer's market. Conversely, if the home is in a buyer's market, you may offer less.
    How do you know which market you're in? One of the ways to find out is to ask your broker how quickly homes are being sold in your neighborhood. If homes sell in less than 45 days, you're probably in a seller's market. If homes take longer than 4 to 6 months to sell, you're probably in a buyer's market. Most multiple-listing services (MLSs) keep track of how long it takes for homes to sell. Ask your broker about the average number of days a home is listed.


    Beauty Tips
    1. Brighten grey elbows by rubbing them with half a fresh lemon. Lemon has a natural bleaching effect. Moisturize the skin to counteract the drying effects of the juice.

    2. Turn foundation into a tinted moisturizer by mixing a few drops of it with a little moisturizer on the back of your hand before applying. It's the perfect blend for daytime.

    3. Carry a spray of mineral water in your handbag to freshen up your foundation while you're out and about.

    4. Soak your feet in a bowl containing warm water and 4 tablespoon of Epsom salts to help ease-swollen ankles.

    5. If you have very soft nails, file them while the polish is still on to prevent them from cracking.

    6. If you find eyebrow tweezing painful, hold an ice cube over the area first to numb the area before you start.

    7. Warm up your looks by dusting a little blusher over your temples, chin and the tip of your nose as well as your cheeks.

    8. Apply little loose powder under your eyes when applying dark shades of eye shadow to catch any falling specks and prevent them from staining your skin.

    9. Make your lips look larger by wearing a bright, light lipstick. Alternatively, make them appear smaller by wearing dark or more muted colours.

    10. Soak nails in a bowl of olive oil once a week to strengthen them.

    11. Keep your smile looking its best by changing your toothbrush as soon as the bristles begin to splay. This means at Least every three months. You should brush for at least two minutes, both morning and evening.

    12. Mascara your lashes before applying false ones to help them stick properly.

    13. If you look tired, blend a little concealer just away from the outer corner of your eye - it makes you look as though you had a good night's sleep!

    14. Never apply your make-up before blow-drying your hair, as the heat from the dryer can make you perspire and cause your make-up to smudge.

    15. Make sure you give moisturizer time to sink in before you start applying your make-up. This will help your make-up go on more easily.

    16. For eyes that really sparkle, try outlining them just inside your lower eyelashes with a soft white cosmetic pencil.

    17. Let your nails breathe by leaving a tiny gap at the base of the nail where the cuticle meets the nail - this is where the new nail cells are growing.

    18. Go lightly with powder on wrinkles around the eyes - too much will settle into them and emphasize them.

    19. If you find your lashes clog, try rolling the brush in a tissue first to blot off the excess, leaving a light, manageable film on the bristles.

    20. Use a toothpick or dental floss regularly to clean between your teeth.

    21. You can dry nail polish quickly by blasting nails with a cold jet of air from your hairdryer.

    22. There's a great trend at the moment for 2-in-1 products. They're worth trying, because they can save your money as you only buy one product instead of two. They include shower gels with added moisturizer, shower gels that also act as body scrubs and hair shampoos with built in conditioners.

    23. A drop of olive oil rubbed nightly into your nails will help them grow long and strong, and is cheaper than shop-bought manicure oils.

    24. If you've run out of liquid eyeliner, dip a thin brush into your mascara and apply in the same way. It works perfectly.

    25. Always carry pressed powder for that last minute touch up.


    Handloom
    Before buying a carpet one should know the size of the area for which the carpet is needed. The shade of the room walls, sofas and chairs also is to be remembered in which sense one goes for buying a contrast shade, even though the carpets with multi-shades are available. For an elegant and attractive drawing or dining room an attractively colored carpet would be a right choice.

    How to take care of Your Carpet and Maintain It?
    The carpet may be of any type in cotton, woolen or silken, during the continuous use it would show weariness. No carpet should be let lying for long in the same position quite for long time. The foundation will gather all sorts of dust and pebbles etc. This needs a proper cleaning once in every 10 days with a vacuum cleaner. One should pay fullest attention towards maintenance if one is not prepared to loose heavily.


    Auto

    Buying a car--and saving money when you do so--is not necessarily a complicated process, but it is one that takes some time for preparation and information gathering. A little effort spent on the "up-front" work can bring big rewards when it comes time to actually buy the car.

    Review your financial situation to determine what you can comfortably afford in your car purchase. Check your credit to make certain that no problems or mistakes exist. Determine a maximum payment or purchase price and etch it in stone--dealers and salespeople will be doing their best to bump you off it!
    Spend some time doing research on the various models of vehicles available. Make comparisons based on what you need rather than simply what you want. Your budget will be grateful!
    Eliminate any models that do not suit your needs before you begin your car shopping excursions. Don't waste time on vehicles that won't "work" in your situation.
    When you have it narrowed to a few models, ask friends, co-workers or relatives who own them about their experiences with the cars they own. Consult automotive publications for road tests and service histories (this will help you to eliminate the "duds").
    Do your financial comparisons first. Talk to your bank or credit union and get their terms and rates. Take advantage of auto loan comparison sources such as Lending Tree, where you can submit one quick application and get offers from multiple lenders within 2 business days. The power of the Internet at work!
    Getting a price quote may help to simplify the process for you. See the price quote comparison section.
    Watch the cost of your total ownership experience--including insurance (see the hints and comparisons), warranties and repairs and maintenance (see the hints and comparisons). Maximize your savings here or run the risk of losing what you saved on the purchase!
    Take your time. Don't rush to buy the first vehicle you see. Take a deep breath and consult your comparisons and your gameplan. If necessary, visit different dealerships to compare prices and service.
    When everything is right--the car, the dealership, and the price, relax and buy the car. If you have done your preparation, there is no need to agonize needlessly. Begin to enjoy the car!


    As expensive as it is to buy and finance a car, the ownership period can have its own set of pitfalls. The money you save by getting a great deal on the purchase and financing erodes quickly when you find that you are overpaying for necessities such as auto insurance, maintenance and repairs. And, since these expenses are ongoing, their total cost can often approach the initial purchase price of the vehicle! Here are some hints on getting the best value for those items associated with vehicle ownership.

    Maintenance
    One of the easiest ways of helping to avoid major repair costs is through a regular program of general vehicle maintenance. An early diagnosis of a problem is almost always less expensive than waiting until it is too late. For example, replacing brake pads is a lot cheaper than having to replace both pads and rotors because the low pads have torn into the rotors. Beware, though. As expensive as it may be to under-maintain a car ("pay me now or pay me later"), it can be just as expensive to over-maintain a car. For dealerships and repair shops alike, "maintenance programs" are a BIG profit generator. A $300 maintenance service may have a cost to the service facility of well under half that amount.

    Maintenance Hints
    Deal with established service facilities--you will most likely have more recourse should something go wrong.
    Follow the manufacturer's recommended maintenance schedule--it generally will be less extensive (and expensive) than programs recommended by the service facility. By following the manufacturer's recommendations, you will protect your factory warranty coverage.
    Consider joining a full service auto club like AutoVantage Gold. Their volume buying power may be able to save you money. For example, Gold members can save instantly at both nationally known as well as local service centers. Plus, they offer 24-hour roadside assistance and towing, trip routing, hotel savings and more. You can set up a 3-month trial membership or $1 and they will even give you 4 free oil changes ($100 value).You can join here.
    Keep records of all maintenance (dates, mileage and amount paid). It could save you aggravation should you have a dispute with the manufacturer over a covered warranty repair.
    Repairs

    One of the largest sources of complaints received by consumer protection agencies involves auto repair. Due to a large degree to vulnerability (you often can't drive a broken vehicle) consumers are exposed to all manners of rip-offs, scams and blatant overcharges. Many news organizations have done exposes of dishonest repair shops and schemes, and a fairly common recommendation is to educate yourself on the types of scams that can befall you. These can include adding repairs that are really not needed, the use of shoddy or substandard parts or simply padding the bill with unnecessary charges.

    Repair Hints
    If possible, always get second (or third) opinions. You'll find that estimates for repairs will often vary widely--not only in price but also in the scope of the repair (why replace 10 parts when replacing only 8 does the job safely and adequately?)
    If you are concerned with the possibility of major repairs, you may want to consider the purchase of an extended warranty.
    Be watchful of the rip-offs and scams that seem to abound in the car repair business. Keep up-to-date on news accounts of the different pitfalls that can prey on the automobile consumer. For an excellent and in-depth view of these rip-offs and scams (as well as dozens of other important tips), read Corey Rudl's best selling Car Secrets.


    Insurance
    Even after the initial cost of a vehicle is absorbed, the cost for auto insurance goes on and on. Many car owners simply stick with their current insurance carrier, not realizing that there may be $100, $200, $300 or more in savings to be realized simply by doing a quick comparison.

    Insurance Hints
    Consider raising your deductible.
    Shop around. The Internet has made this incredibly simple What used to take hours and numerous phone calls can now be done in minutes. Sources such as InsWeb can compare a number of insurers and give you free online quotes. (Plus, for a limited time, you can enter to win a Mercedes ML320 SUV).
    Take advantage of all discounts available. Some policies may offer discounts for air bags, anti-lock brakes or theft deterrent systems.

    1.Comparison Shop.
    Prices for the same coverage can vary by hundreds of dollars from company to company, so it pays to shop around. Surf the net, ask your friends or call your state insurance department for ideas about companies and agents to contact. You should get at least three different quotes. But don't shop price alone. The insurer you select should offer both fair prices and excellent service. Quality personal service may cost a bit more, but provides added conveniences, so talk to a number of insurers to get a feeling for the quality of their service. Ask them what they would do to lower your costs.


    2. Ask for Higher Deductibles.
    Deductibles represent the amount of money you pay before you make a claim. By requesting higher deductibles on collision and comprehensive (fire and theft) coverage, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive cost by 15% to 30%.

    3. Drop Collision and/or Comprehensive Coverages on Older Cars.
    It may not be cost effective to have collision or comprehensive coverages on cars worth less than $1,000 because any claim you make would not substantially exceed annual cost and deductible amounts. Auto dealers and banks can tell you the worth of your car.

    4. Buy a "Low Profile" Car.
    Before you buy a new or used car, check into insurance costs. Cars that are expensive to repair, or that are favorite targets for thieves, have much higher insurance costs.

    5. Take Advantage of Low Mileage Discounts.
    Some companies offer discounts to motorists who drive fewer than a predetermined number of miles a year.

    6. Consider Insurance Cost When Making a Move.
    Costs tend to be lowest in rural communities and highest in cities where there is more traffic congestion.

    7. Find out about Automatic Seat Belt or Airbag Discounts.
    You may be able to take advantage of discounts on some coverages if you have automatic seat belts and/or airbags.

    8. Ask About Anti-Lock Brakes.
    Anti-lock brakes improve steering control and stability when a car is brought to a stop, thus reducing accidents. Some states, including Florida, New Jersey and New York, require insurers to give discounts for cars equipped with the brakes and some insurers have a nationwide discount in place.

    9. Inquire About Other Discounts.
    Some insurers offer discounts for things like no accidents in three years, drivers over 50 years of age, driver training courses, anti-theft devices, good grades for students and having more than one car insured with that company.


    Finance
    It is important that you arrange your financing prior to negotiating price with a dealership--ideally, before you even visit a dealership. The financing "arm" of a new car dealership is a prolific profit center--dealers will often take smaller profit deals when selling the car (the "front-end" profit) if they know that they are going to make a nice profit on the financing of the car (the "back-end" profit). The problem with this is that it is you run the risk of giving all (or more) of your purchase savings back when it comes time to finance the car!

    Don't get taken!
    Don't make an expensive mistake. Check your credit and investigate all your car finance options before you start visiting dealerships. The dealer will work hard to get you to make all of your decisions in a single day. Don't get caught on an emotional highway that leads to less money in your pocket (and more in the dealership's)!

    Check your credit upfront. Many financial institutions determine interest rates on a "tier" basis. The better your credit, and the more "in line" the price of the car is in relation to invoice (on a new car) or book value (on a used car), the lower your financing rate will be. It is a good idea, then, to make sure your credit report does not have mistakes or omissions before the bank sees it.
    Make your comparisons. LendingTree makes this extremely easy. Submit a simple application, and within 2 business days you will receive car financing offers from up to 4 different lending institutions, all competing for your business. The power of the Internet at work!

    Check your local bank and/or credit union. After you have made your online comparisons, make your offline comparisons. The advantage of your local bank is that there is the possibility of a personal relationship with your banker. The disadvantage of a local (and smaller) bank may be an uncompetitive rate. If you have the availability of a credit union, the advantage here is the convenience of having your car payments deducted from your pay. The disadvantage is that you are tapping what may be an unsecured line of credit for a car--meaning what would normally be an easily accessible loan from your credit union (if, for example, you ever needed for an emergency) may no longer be available to you.
    Home equity loans have become a popular way to finance a car in recent years. The advantage is the possible tax deductibility of the interest paid on such a loan. To get comparisons of home equity loans, visit Lending Tree's Home Equity Comparison Section Note: The IRS will only allow you to deduct interest on a loan amount that does not exceed the value of your home, for good reason. Borrowing in excess of your home's value is not recommended.

    Dealer financing may or may not be the best option for you. The single advantage of financing a car at the dealership is convenience--you buy and finance the car at the same place. The main disadvantage is the variation of interest rates, since the difference between what the dealer "sells" you the financing for and what they "buy" it from the bank for, is their profit. This is why it is so important to do your comparisons before you enter the dealership!

    Investigate leasing to see if it would be advantageous for you. For some car buyers it is an excellent choice. For others, it can be one of the worst mistakes you can make.

    Don't accept the financing rate that the dealer offers as gospel! You have far too many options that may save you money to just accept what the dealer puts on the table for you.


    Banquet Halls and Catering
    1. If you have never ordered party supplies before admit that you have no clue and are kind of lost in the process. Most companies can turn you over to somebody that can walk you through the procedures and inventory.

    2. Be ready before you call with the expected number of guests, the date, time, the theme or mood, and whether you want to go budget, moderate price, or fully elegant.

    3. Talk to party supply places months before the actual event. It usually comes down to all their clients wanting a delivery at 10:00am on a given Saturday. Even if they have all the inventory needed for their clients on that weekend they have just a certain number of trucks. Let them know as soon as possible what your needs are or you may find yourself in a panic calling from company to company trying to find an opening.

    4. If you are planning a wedding obviously the biggest demand for party rentals comes from May on through the summer. The slackest months are January, February, and March, depending on the area of the country.

    5. If you are a bride trying to plan your wedding on a budget you can call a party rental store and explain your objective. They will be happy to assist you to cut costs. Otherwise, you might consider hiring a caterer for the food service and let them deal with the party rental or supplies. They will add this to your bill. Caterers know exactly what they need to help you present a reception with a certain ambiance or theme. However, there will be a standard price markup for this service. Weigh your anxiety and available time to deal with this stuff versus the extra cost of the convenience gained by letting your caterer take over the party supplies order.

    6. Unless you are a recurring commercial client who can apply for a credit application you will be expected to hold your order with a credit card deposit.

    7. Get some recommendations from hotel catering managers, company events planners, location or banquet managers regarding reliable party rentals or supplies stores.

    8. Remember, with delivery of party rentals comes the need for set-up, operation, and security for the equipment until it can be picked up. You MUST know what kind of time window you have at the party location for delivery and set-up. And after the event someone HAS to be responsible for making sure people don't help themselves to equipment before the company can pick it up. This is YOUR obligation on the contract.

    9. Regarding set-up, you need a crew to take care of this. It is best to ask the party supply house to arrange for this extra service. To depend upon some well-meaning volunteers to be on time, to know what they are doing, and to do it in quick organized fashion is to flirt with disaster. You should talk to the party rental place about scheduling a separate set-up crew. Likely you'll need another crew for tear down or strike. Especially if you are using pipe and drape partitions, or special lighting and A/V equipment. In other words, know what you are getting into and what each piece of equipment requires once it is delivered to your event.

    10. Get EVERYTHING specifically mentioned and spelled out in a contract days before the event so that you have time to read it carefully and ask questions or to revise elements.

    11. You may be offered a damage waiver that charges you an extra fee (usually 5% to 10% of your regular order). This covers small amounts of breakage up to a limit of a few hundred dollars or more. The damage waiver covers any incidental damage that can sometimes happen by accident.

    12. Don't be shocked as the cost of items begins to add up quickly. The party rental company is not making a killing here, the cost is actually pretty reasonable all things considered. Just make sure if you decide to eliminate certain items from you list that you are making sense. On the day of the party you may find it was not an extravagance at all.


    Cell Phones
    Choosing a cellular phone these days can be overwhelming. There's new technology, heaps of abbreviations and lists a mile long of fancy features. Before you know it you have absolutely no clue what cellular phone model will suit your needs. This web site provides a simple guide to technology, cellular phone features and other considerations to help you plan your cellular phone purchase.

    Free Cell Phones : Batteries

    Battery life can be a very important consideration when choosing your cellular phone, particularly if you are on the road all day and won't have recharging access. You need to consider two things:

    Standby Life - standby life indicates how long the phone will work (be able to receive calls, be switched on for calls, use database features etc) before requiring a recharge. If you only talk for a brief time with your calls and don't have a lot of calls, the standby time will be more important to you.

    Talk Life - indicates how much time you will be able to spend talking on the phone before you need a recharge. If you tend to make a lot of calls or talk for an extended period when you make a call, you should give more consideration to the talk time.

    Battery life depends on how large your battery is, and the metal of which it is made. Cellular phones are generally made from Lithium Ion, Lithium Polymer, Nickel Cadmium or Nickel-Metal Hydride, which are all rechargeable materials. Nickel Cadmium are becoming less popular, due to the "memory effect" - essentially the battery builds up a memory of the level it is regularly recharged at and will not function beyond this point, even if it is only at half capacity. Whilst Nickel Metal Hydride batteries do have a small memory effect they still have a high number of cycles. Lithium batteries are a lot lighter due to their higher capacity and the lighter material. They offer greater power compared to size than a Nickel-Metal Hydride, however at this stage they cost significantly more.

    Buyers Checklist

    Decide how much you want to spend.
    Be clear on the features you need. Note that the more the features, the more this will cost you.
    Select a battery with a decent battery life and judge the mobile phone by the talk time it gives. The bare minimum should be 2 hours of maximum talk-time plus 90 hours of maximum standby-time.
    Preferably purchase from an authorized dealer or the local mobile plan provider. Although the handsets available in the gray market phones are cheaper, you may not always get a receipt or any service warranty.

    Cell Phones Safety
    Radiation and Cell phones
    Risks to children
    Views of scientists and researchers
    Preventive measures

    Radiation and Cell phones
    Cell phones work by emitting radio frequency radiation (RFR) that transmit through the antenna on your phone. This antennae lies right next to your brain. The potential risk of a mobile phone comes from its emission of low levels of radio frequency radiation (RF), the same type of energy that comes off a microwave oven. The RF pulses off the device's antenna right next to the user's head, and that proximity to the brain is what concerns some researchers. It is well known that high levels of RF can produce biological damage through heating effects (this is how your microwave oven is able to cook food). However, it is not known whether, to what extent, or through what mechanism, lower levels of RF might cause adverse health effects as well.

    Risks to children
    Preliminary scientific evidence found exposure to radio frequency radiation might have subtle effects on biological functions, including the brain. Children may be more vulnerable because of their developing nervous system, the greater absorption of energy in the tissues of the child's head, and a longer lifetime of exposure.

    Views of scientists and researchers
    Inconclusive. There have been some 200 studies on the safety of cell phones. And they all seem to conflict concluding that scientists still aren't sure as to the safety of cell phones. The catch is that these are short-term studies. Cell phones have only been in the mainstream for a few years. No one is sure of the long-term effects.

    Preventive measures
    Limit time spent on your cell phone.
    Use a phone design that moves the antennae away from the head.
    Discourage children from using them.
    Don't use a cell phone if the signal is weak. The phone shoots out more radiation to compensate for a poor signal.


    Electrical HomeAppliances
    Of all the large appliances, refrigerators usually consume the most energy. So it makes sense to shop wisely.

    Select the right size refrigerator for your needs. For one or two people, consider a refrigerator of about 340 L (1 2 cu. ft.). For three or four people 395 to 480 L (1 4 to 17 cu. ft.) should be right. For each additional person, add 55 L (2 cu. ft.).

    In general, one-door manual defrost models are the most efficient. Units with side by side doors are the least efficient. However, there are exceptions so check the EnerGuide label.

    Measure the space where you want to put your refrigerator. Most manufacturers recommend 25 mm (1 in.) Of air space on each side for air flow.

    Freezers
    Freezers are very handy and can save a lot of time in shopping and food preparation. If you're buying a freezer, many of the tips that apply to refrigerators are useful here too.

    Calculate the right size for your family. About 85 to 140 litres (3-5 cubic feet) per person is right. If you have a vegetable garden, entertain a lot, or if your family is growing, think about a larger freezer.

    Measuring is very important. Not only the space where you intend to put it, but also the path to the space. Be sure you can fit it into the spot where you want it.

    Freezers come in two basic styles - chest and upright. A chest freezer is by the far the more efficient and has more useable space.

    Look for oven doors that are well insulated and fit tightly. A window in the oven door allows you to look in without opening the door.

    Electrical safety Tips

  • When using appliances, ensure that power cords are free from kinks, breaks or cuts. Do not use an appliance if the cord insulation is damaged in any way.
  • Switch off wall outlets or unplug appliances that are not in use.
  • Never plug too many appliances into one socket as this may cause the socket to overload.
  • Do not use or place electrical appliances near water, i.e. a sink or bathtub as water conducts electricity. If you have a wet appliance, unplug it and have it checked by a qualified technician.
  • Never use frayed or damaged extension cords
  • Never touch the metal parts of a plug when plugging in an appliance.

  • Jewellery

    Different styles rule jewellery buying for wedding and other occasions. While for formal occasions, women are experimenting with unconventional designs, styles and branded jewellery, the wedding jewellery designs are unchanged - traditional, heavy sets of gold, diamonds and pearls.

    Choose jewellery according to your lifestyle and dressing habits. It may not be advisable to wear heavy jewellery with a slinky Western gown or vice versa.

    Vast differences in the prices reflect quality variations. So, do not get carried away by a throwaway deal. Use your mind. Question yourself before buying anything.

    When ever you are buying or selling jewellery, you should always shop around for the best price.
    In buying gold jewellery, always insist on a guarantee card specifying the karatage of gold. Also remember that gold purity is defined in K or KT, not CT (as often used by jewellers). In case of discovery of fraud on gold karatage you cannot hold on to a guarantee card wherein the purity is defined as CT.

    Buying Diamond Jewellery
    Today's look is glossy. The more they glitter, the better it is. You can buy diamond embedded pendants much more attractive than the chunk of gold hanging from a gold chain. Look for a good craftsman, as their setting is critical. A platinum finish is preferred for this effect. The white look has staged a comeback, after a spell of yellow gold settings. The idea behind it is that platinum being a very hard metal by nature proves to be the most apt to set diamonds, be they small or big. Moreover its fineness is 950 components to 750 for yellow gold, the ideal caratage to set diamonds.

    Multicoloured metal settings using platinum are good for designer diamond wear. Besides, the popular 2 stone studded jewellery of yellow and white, multiple colour combinations are now in vogue making use of red, ash, pink and other colours of gold.

    Huge necklaces which have more metal than the gemstones studded in them are out. Also gone are the designs with simple floral and vineyard creeper designs where the stones are scattered to give the ornament a good surface area. The girl of today does not believe in snobbish and bulky jewellery. Sleek, trim and suitably studded necklaces clinging to the collar-bone are the most wanted ones. Diamond necklaces today have gemstones in proportion to the precious metal used. The most upmarket ones have the precious metal hardly visible and are studded right to the clasp.

    Modern motifs in abstract designs, making use of geometric inspirations from various sources, are in. Diamond studded watches are in vogue. Even men love to sport a diamond watch. Although an original diamond-studded Swiss watch piece may cost more than a million rupees, an inexpensive alternative is to get one made from a jeweller.

    Buying necklaces for a bride are a tricky affair. It is still typical of any Indian wedding to have a heavy set of gold, diamonds and pearls. Look for good craftsmanship no matter what you choose.

    The diamonds will be expensive, but going in for smaller sizes and reasonably sizes and reasonable good quality would enhance the look of jewellery piece. If you can have the earring and the tika of the set designed in detachable format, you will be able to use it later with lighter jewellery.

    Do not blindly follow trends, fads and fashions in jewellery. Expensive items like gold, diamonds and sapphires are not only beauty enhancements but a sound investment - one which you do not dispose of when the particular design is out of vogue.

    Look towards the culture of India. These traditional and inexpensive pieces of jewellery can be moulded by your jeweller in a more expensive setting to enhance your glamour.

    Choose or order unusual settings which will create designs with a difference. Sparkling gemstones in novel settings or combined with semi-precious stones will give your jewellery a futuristic look.

    Buy a lot of smaller diamond pieces. They can be worn on any occasion with any dress. The slight roughness of these is preferable to the symmetrical roundness of larger pearls, though they are, much more difficult to choose.


    Paint

    Always stir paint thoroughly before using! If more than one gallon is needed for your project "box" the total amount of required paint together. "Boxing" paint is nothing more than mixing all the cans together in a larger container to insure that the color is thoroughly blended and uniform. Failure to box paint is the leading cause for paint failing to touch up properly. Make sure you have enough before starting with custom mixed colors.

    Every color dispensing machine has slight variations in the amount of colorant they dispense and no two cans of paint are going to be "exactly" alike. This plus the fact that no two batches of paint are identical leads to nothing but problems when you go to touch up.

    Be sure the surface is clean, dry, and free from grease or wax.

    All surface defects such as peeling, cracks and patches should be corrected before painting. Use spackling for holes and dings, caulk all cracks, (Never use Silicone!), and lightly sand glossy surfaces to provide a good "tooth" for your finish paint.

    Painting over wallpaper: be certain the paper is tight and does not contain bleeding colors. Always prime with an oil based stain sealing primer!

    NEW WORK:New surfaces require a primer to stop the suction of the surface.

    On primed, dry interior surfaces apply 2 coats of paint at container consistency. It is recommended that fresh plaster and stucco with a high lime content be allowed to cure for 60 days prior to painting.

    OLD WORK: If the surface is in good condition, clean well with TSP, patch and caulk as necessary then apply 2 coats of paint at container consistency. Any patched areas and chalky surfaces should be spot primed with latex primer.

    Digital Color Chart:The Digital Color Wheel teaches you about different Color Schemes, i.e. which colors go with what. You can choose your primary or reference color, then move the mouse over the different color schemes - analogous, split complementary etc. - to highlight all the colors that could complement your scheme.


    Packers & Movers
    Find out some reasonable movers and packers listed in your yellow pages. You may want to do the packing yourself. If they pack for you, it can be expensive.

    Hiring a low fare rental truck like U-haul is a better idea if you are moving to a close by town/location. You will have to load and drive it to the destination yourself. In case you are not confident to drive it, you can ask for help from your friends,

    Take professional packers and moving services if you are moving to a far away town.

    Renting a local self storage place can be a better option to dump your household stuff temporarily, if you have plans to come back and don't want to carry all your stuff.

    Almost all towns have such storage places, which are listed in your city yellow pages. Depending on your need you may opt for either temperature controlled or normal storage.

    Temporary storage are economical than shifting twice, and is a better idea than engaging a rental apartment only to keep your stuff.


    Optical
    Fisher Price Euro 21 eyeglasses for kids

    Let your child have a say when choosing his eyeglasses — he'll be more likely to wear them without complaint. Shown is Fisher Price Euro 21 frame. 

    If you're a parent, you probably know that walking into an optical store can be a little confusing. There may be lots of children's eyeglass frames to choose from, but that's the problem! How do you figure out which ones: a) your child is willing to wear and b) will last longer than the ride home?

    To begin with, most children who need eyeglasses are either nearsighted or farsighted. Depending on the degree of visual correction necessary, an eye doctor will prescribe glasses for full- or part-time wear. Some kids will be instructed to take their glasses off for schoolwork, while others need to have them on every waking moment.

    Sometimes the eye doctor will make specific recommendations about suitable eyeglass frames, but often that decision is left up to the parents, the child and the optical dispenser who fits the glasses.

    Here are 10 items to consider to make your trip to the optical as painless as possible, and to ensure that you get children's glasses that will last a long time.

    1. Lens Thickness

    The prescription is always the primary consideration in choosing glasses. Before you start looking for the frame, consult with the optician. If the prescription calls for strong lenses that are likely to be thick, it is important to keep the frame as small as possible in order to eliminate any distortion in the lenses. The optician can give you a good idea of how thick the lenses will be and can recommend suitable frames to mask some of the thickness, as well as ways to make thick lenses appear thinner.

    2. Fashion Forward

    Whether they are full- or part-time eyeglass wearers, most kids get at least a little teasing about their specs, especially the first time they wear them. One way to help make your child more comfortable with wearing glasses is to allow her to choose her own frame. Your kid won't want to get anything "uncool," yet you don't want her wearing something you find objectionable. But keep in mind that the real object is to get her to wear the glasses.

    The optician can tell you which frames are popular and can point you to the classic styles. Be forewarned: if the frame you choose is too faddish, you may not be able to get your child to wear it next year, when it's hopelessly outdated.

    3. Plastic vs. Metal

    Children's frames are made of either plastic or metal (also known as "wire"). Double bridges are found on boys' frames, while frames with single bridges are either unisex or strictly for girls. A lot of manufacturers copy adult styles for children's frames. Kids like these styles a lot because they are more grown-up. It's not unusual for kids to ask for glasses that look just like Mom's or Dad's.

    In the past, plastic was a better choice for children because they were considered more durable, less likely to be bent or broken, lighter in weight, and less expensive. But now manufacturers are making metal frames that incorporate these features as well. Metal composition varies, so ask the optician which one is best for your child, based on his or her experience with different alloys. Ask for hypoallergenic materials if your child has shown sensitivity to certain substances.

    4. Proper Bridge Fit

    One of the toughest parts about choosing a suitable frame for kids is that their noses are not fully developed, so they don't have a bridge to prevent plastic frames from sliding down. Metal frames, however, are usually made with adjustable nose pads, so they fit everyone's bridge. Most manufacturers recognize this difficulty with plastic frames and make their bridges to fit small noses.

    Each frame must be evaluated individually to make sure it fits the bridge. If there are any gaps between the bridge of the frame and the bridge of the nose, the weight of the lenses will cause the glasses to slide, no matter how well the frame seems to fit before the lenses are made. It is important that the glasses stay in place, because kids have a tendency to look right over the tops of the lenses instead of pushing slipping glasses back up where they belong. The optician is usually the best judge of whether a frame fits properly.

    5. The Right Temple Style

    Temples that wrap all the way around the back of the ear are helpful in making sure that the glasses don't slide down or drop off a child's face completely. These wraparound temples, called "cable temples," are generally available on metal frames and are especially helpful to keep glasses in place on toddlers.

    Cable temples are not a good choice for part-time eyeglass wearers, however, as they are a bit more awkward to put on and take off. For glasses that go on and off frequently, it is better to have regular, or "skull temples" that go straight back and then curve gently around the back of the ear.

    6. Spring Hinges

    A nice feature to look for is temples with spring hinges. These special hinges allow the temples to flex outward, away from the frame, without causing any damage. Although they sometimes cost a bit more, spring hinges can be a worthwhile investment on children's eyewear. Kids are not always careful when they put on and take off glasses, and the spring hinges can help prevent costly repairs. They also come in handy if the child falls asleep with the glasses on, or just has a rough day at play. Spring hinges are strongly recommended for toddlers, who sometimes get carried away playing with their new glasses.

    7. Lens Material

    Once you and your child agree on a frame that you both like, the next consideration is the lenses. Children's lenses should be made of polycarbonate, because it is the most impact-resistant material around. (It is actually the same plastic that bullet-proof glass is made of!) In addition to being the safest material, it is also lighter in weight than regular plastic lenses, a nice advantage for strong prescriptions. Polycarbonate has built-in protection against potentially damaging ultraviolet (UV) rays, and the lenses are scratch-resistant coated by the manufacturer or fabrication lab.

    The price for polycarbonate lenses is generally comparable to, if not less than, the cost for regular plastic lenses with UV and scratch-resistant coatings. And with polycarbonate, kids get that extra margin of safety to protect their eyes.

    The least desirable material for your child's lenses is glass. Although it must be treated for safety, glass still shatters when it breaks, and broken glass — even safety glass — is a hazard to the eye. Glass lenses are also a little heavier, which makes them less comfortable to wear.

    This Stride Rite children's eyeglass frame from Zyloware has spring hinges and adjustable nosepads

    Stride Rite Eyewear by Zyloware offers a broad range of sizes, along with special durability features such as spring hinges, adjustable silicone nose pads, and extra solder strength at bridges and temples. 

    8. Sports Eyewear

    Polycarbonate is such a safe lens material that you may be tempted to let your child play sports in his regular glasses. The drawback is that, although polycarbonate is the lens material used for sports eyewear, regular eyeglass frames do not provide enough protection from large objects such as balls and flying elbows. So if your kid is involved in sports, a proper sports goggle with polycarbonate lenses will afford the most protection against eye injury.

    Sports goggles must be fitted properly in order to provide the maximum amount of protection, so consult with an eyecare professional before making a purchase. Although it sounds counter-intuitive, a sports goggle should have a larger vertical eye opening, rather than a smaller one. If an impact should occur and the goggles are pushed toward the face, a large eye opening keeps the impact points far above and far below the eyes. With a small opening, however, the goggle hits right at the edge of the eye socket, which can damage the globe of the eye.

    9. Warranties

    Many optical retailers offer a warranty plan that will replace eyewear at no charge or for a minimal fee in case of damage to the frame or lenses. Consider opting for the warranty, especially if your child is a toddler or a first-time wearer.

    e aware, however, that not all warranty plans are the same. It is to your advantage to thoroughly investigate replacement costs with and without the warranty plan. Generally, if the warranty costs you less or about the same amount as the fee to replace one single lens, it is worth the price. It is easier to scratch a lens than to do almost any other kind of damage to the glasses. If a lens is scratched, you must replace it, because it can compromise your child's vision development.

    10. Backup Pair

    If your child's vision is so poor that she has difficulty functioning without her glasses, you may want to purchase a backup pair of glasses in case something happens to the primary pair and they are out of commission for a week or so while being repaired.

    A sports goggle can double nicely as a spare pair of glasses. In addition, prescription sunglasses make a good backup pair. If your child wears glasses, she needs prescription sunglasses as well. You may choose to simply use an old pair of glasses for the sunglasses, and have the doctor's office coat them with UV protection and tint them dark. Then, in an emergency, the dye can be removed so that the glasses can be used indoors again.


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