Clothes Dryer

There are two types of clothes dryers one is gas the other is electric. The gas dryer is half gas and half electric, the gas is used for lighting a flame to create the heat to dry the clothes, the electric is used to operate the motor, timer, ignitor, coil kit and thermostats.

The gas dryer has more working parts than the electric dryer, when there are more working parts there is a greater chance of something breaking, the gas dryer does break down more frequently than the electric dryer.

The electric dryer use 220 volts to operate the heater element only, all the other parts use 110volts. Both gas and electric dryer have some basic parts: motor, timer, belt, thermostats, and thermal fuse.

These are the functions of each part.

The motor turns the belt that is on the basket, the timer sends the desired voltage to each part for the desired time that it is set on, the thermostat maintains the desired temperature and the thermal fuse shuts down the dryer if the thermostat fails.

A common problem with both gas and electric is clothes taking a very long time to dry, lint building up in the exhaust vent hose is sometimes the reason. The best way to check if the exhaust is partially blocked is to turn on the dryer. Then go outside to where the vent is, put your hand close to the vent, if there is little or no hot air coming out out, your vent hose is blocked. There should be a strong flow of hot air coming out. Sometimes birds build their nest at the vent opening because of the warm air they find coming out of it. Also if the vent comes out near the ground it sometimes get covered by snow.

Choosing Ringbearer Gifts Does Not Have to Be A Bear

The significance of wedding rings is best illustrated in people's fear of losing them. There are people who boast of having never removed their wedding ring since their wedding day, though this is sometimes due to changes to their weight since they said, "I do." But really, how important are wedding rings? Moreover, how many times have we heard of what a nightmare it is to lose your ring? We hear stories of people losing their rings in the labyrinth of pipes underneath the kitchen sink. Then, there was the movie "American Wedding," in which wacky Steve Stiffler accidentally feeds the bride's wedding ring to a dog. Clearly, wedding rings are very important. Consequently, even though the ringbearer is one of the shortest members of the bridal party, his is the task of the tallest order. So, when you choose ringbearer gifts, keep in mind the critical role that your ringbearer plays.

The Ringbearer
The use of ringbearers is fairly modern. They tend to be young brothers or nephews of the bride or groom, and usually range in age from 5 to 10. In weddings that are formal, the ringbearer, or pageboy, has one of two different functions. First, the ringbearer might carry the bridal party's rings on a huge white satin pillow. Boys will be boys, and almost anything could happen during his waddle down the aisle. Usually, the best man himself secures the rings, or thread is used to attach the rings onto the ringbearer's pillow.

Another function of the ringbearer is to carry the bride's train, if it is lengthy.

The Basics
Whether the ringbearer totes the rings or holds the train, make him feel special through your choice of ringbearer gifts. For example, consider what your ringbearer likes. Here are some ringbearer gifts that might ring well with him.

Ring Bearer Fun Box Gift: This is decorated to look like a Ringbearer's tuxedo. Inside it is fun games, cookies, and candies.

Ringbearer Baseball Cap: This will remind the boy that he was in the starting lineup of the wedding ceremony.

Space Magic Cookie Pot: This is a bouquet that is packed with cookies and candies. What kid says no to sweets?

Ringbearer Activity Tote Bag: This is a fabric bag with several gift items inside.

Personalized Gifts
Aside from the obvious height difference, kids and adults are not too different from each other. Like adults, kids want to feel special, too. Personalized ringbearer gifts help you do just that. Here are a few personalized ringbearer gifts to consider.

Personalized Baseball: This will make any little leaguer feel like a big leaguer. The ball is mounted on a walnut-finish stand.

Ringbearer T-shirt: This will let your mini lord of the rings remember the special day. How could he not with his name is printed on the shirt?

Personalized Silver Plated Yo-Yo: Give a new twist to the old toy! Each time your ringbearer uses this ringbearer gift, he will remember his walk down the aisle.

Being the ringbearer in a wedding can be daunting for any youngster. Help your ringbearer enjoy the task by giving him a well-thought out ringbearer gift. Carefully chosen ringbearer gifts will make your wedding day one that will always ring a bell in your little ringbearer's mind.

Why Holiday Villas Are Popular in Most Holiday Destinations

Holiday villas with swimming pools are becoming a very popular form of holiday accommodation with holiday makers going on a family holiday. You are now able to stay in a villa in most countries in the world.

These holiday homes are especially popular in countries with a warm climate. There is nothing better than sitting outside your holiday villa by the side of the swimming pool with a cool drink.

When choosing a villa for your vacation you need to consider very carefully what sort of holiday that you want. The first thing to consider is what sort of climate that you are looking for. There are typically holiday villas in most climates but there is a much greater selection of villa in the countries that have a warmer climate. You must decide how hot you want it to be and what time of the year you want to go away on your villa holiday.

Having decided on the climate, you must then look to see which country can offer you that climate on your vacations. Some countries may require you to get a visa to spend your vacations there and other countries that you consider for a villa holiday may require certain vaccinations before you go there. Then check how long it will take you to fly to your chosen destination and also if there are flights available.

Once you have done this you can start thinking about what sort of villa accommodation that you are looking for. There are some superb villas available around the world and they vary in price to suite just about every budget.

For holiday makers looking for a relaxing holiday by the beach it is possible to find some stunning villas with swimming pools right by coast. For families looking for a villa in the mountains there are also plenty to choose from with some offering spectacular views over the local countryside.

Most holiday villas have swimming pools. You must check to see if you want a swimming pool with your holiday villa and what size the swimming pool is. Many holiday villas also have outside barbecue areas and outdoor seating areas. In some countries that have mosquitoes you will find that some of the holiday villas have mesh screens around them to keep the bugs out.

It is possible to find holiday villas to suite almost every budget. There are some small two bedroom holiday villas and also some huge holiday home with seven or eight bedrooms. Some families like to go on a villa holiday by themselves and others like to stay in a larger holiday villa and take friends with them.

Atypical villa will have bedrooms with en-suite bathrooms. Typically the master bedroom or suite will be much larger than the other bed rooms in the villa. It will also have the best bathroom in the villa. Typically it will have a walk in shower, large bath and his and hers washbasins and a toilet. Above the washbasins will be a large mirror and below there will be plenty of storage space.

Life Insurance 101, An Explanation of Various Types of Life Insurance

TERM LIFE INSURANCE – Life insurance for a set number or years. You can choose from 5 to 30 year terms. No cash value, if you die during the term you collect the death benefit. The policy dies after the selected term has ended and you receive nothing unless you have a, return of premium rider or you convert the policy to some form of permanent insurance.

RETURN OF PREMIUM TERM INSURANCE (ROP) – A term insurance policy that returns all or a portion of premiums paid at the end of the term if the death benefit has not been paid.

SIMPLIFIED TERM INSURANCE – Term insurance which uses a simple application. Underwriting is done electronically. No underwriting requirements by the applicant unless red flags arise out of the electronic underwriting process. Policy is usually issued much quicker than regular term. There is a limit of death benefit for this type of policy ($350,000 or less) depending on the insurance carrier. This type of policy is generally more expensive because of additional risk by the insurance carrier. Less underwriting =more risk.

CRITICAL ILLNESS INSURANCE – Applied for as a stand-alone policy or as a rider to another life insurance policy. Pay immediate benefit for a covered illness even if death does not occur.

ACCIDENTAL DEATH INSURANCE – Pays benefit in event of a covered sudden accidental death. Applied for as a stand-alone policy or as a rider to another form of life insurance.

MORTGAGE PROTECTION INSURANCE OR DECREASING TERM INSURANCE – Term insurance that pays the balance of your mortgage should death occur. The amount of death benefit decreases to match the amount owed on mortgage. The insurance is set up to end at the same time your mortgage is set to end.

UNIVERSAL LIFE INSURANCE (non variable) – Flexible premiums. Can be a permanent insurance as long as premiums are paid and policy is funded properly. Investment policy in which risk lies with insurance company.

Has a minimum guaranteed interest rate which differs by company. This policy has the ability to gain contract value. The death benefit can be set to level (death benefit stays the same throughout) or increasing (death benefit increases as contract value rises). You may obtain loans or make withdraws but you must be careful, if the policy is not funded, it will collapse.

VARIABLE UNIVERSAL LIFE INSURANCE – Agent must have securities license to sell. Very similar to non-variable universal life. The difference is that the policy owner assumes investment risk. There is no guaranteed interest rate. Policy can collapse if investment does not do well and policy is not funded properly.

WHOLE LIFE INSURANCE – Simply put, you pay the premium and the policy will last your whole life. You usually have an option to borrow against the policy, amount depends on the value of the policy. This type of policy is usually much more expensive than the universal life policy.

GRADED BENEFITS WHOLE LIFE – Partial or no benefits paid until a named or tiered waiting period has passed. If you die before the waiting period has passed, you usually will receive the return of your premium payments with some sort of interest.

FINAL EXPENSE WHOLE LIFE INSURANCE – This type of whole life insurance is aimed at burial and funeral expenses and other final expenses. Usually, no medical exam required and death benefit is limited to $50,000 or less.

SINGLE PREMIUM WHOLE LIFE – This whole life policy is paid for by a single lump sum payment. In return the beneficiary receives a larger death benefit than the payment.

THINGS TO CONSIDER: You may be interested in mixing and matching different types of policies. For example; There is a need for 500k immediately. As time goes on, the kids have graduated college and are out of the house, the house is almost or totally paid off. Now the need is less. In this example you may want to purchase a 330k universal life and a 20 year 200k term. This plan will save you money and still protect your family for life.

Or, you may want to mix term, critical illness, accident, universal life, or whole life in various ways depending on your needs.

RIDERS:

Waiver of Premium Rider – pays life insurance premium if you become disabled and can’t work. There is usually a waiting period and rider usually expires at age 60 or 65.

Critical Illness Rider – Rider is explained above.

Return of Premium Rider – Rider is explained above.

Guaranteed Insurability Rider – this rider allows you to purchase an additional amount of life insurance at a later date without having to prove insurability again or take another medical exam.

Term Conversion Rider – allows you to convert a term insurance policy into a permanent policy without proving insurability again.

Accelerated Benefit Rider – this rider is only for permanent life insurance policies. This rider is usually included automatically for free. It allows you to collect a portion of your policy’s death benefit if you become terminally ill with a short life expectancy, usually one year. The portion paid out is subtracted from you policy’s death benefit.

Accidental Death Benefit Rider – This rider pays in addition to the death benefit if you die from an accident.

Child protection Rider – Usually used to pay final expenses if the unthinkable happens. Often, at a nominal cost and purchased in units of $1,000.

UNDERWRITING: requirements depend on insurance carrier, type of policy, amount of death benefit, age, build chart, gender, medical history, medications, family history, motor vehicle report, and other factors.

An application is always required, although, non-medical policies usually have a simple application.

Requirements could be: Paramed (certified medical processor or nurse comes to your place of choosing, takes you through a medical questionnaire, measures your height and weight, takes blood and urine sample, possibly EKG either resting or non-resting), Medical information from your physician or hospital, Medical exam, etc.

HEALTH CLASSES – Typical health classes would be, Preferred Best, Preferred, Select Standard, Standard, and then different nicotine classes such as, preferred nicotine, select nicotine, and standard nicotine.

It is possible to be rated less than standard depending on health and underwriting factors.

You must qualify for a health class. This is chosen by the underwriter after the underwriting process is complete. The agent can only quote you the different health classes but this can change with the underwriting process.