Adirondack All Weather Furniture – Choosing the Right Wood Type

Few people are aware of the fact that the idea for quality Adirondack all weather furniture began with a quest to find the perfect chair for relaxing on lazy summer evenings. This is why comfort is one of the very first things anyone thinks of when imagining an Adirondack chair or lounger. Aside from comfort, the other feature that most comes to mind when thinking about Adirondack all weather furniture is durability … why else would they call it all-weather !?

Because the original Adirondack chairs were originally designed for outdoor use at some lake cottage or similar retreat-the furniture had to be durable and was made from woods such as:

1. Cypress

2. Pine

3. Cedar

The use of cypress for construction purposes dates all the way back to ancient Egypt when the wood was a material for the construction of caskets for the first pharaohs. Today, cypress is a very common wood and used to make outdoor furniture like swings and various deck accessories. Cypress is also commonly used to make doors and windows as well because it has a conservative within the wood grain that helps it naturally repel insects and resist rot and decay which is why it is a popular choice when crafting quality-made Adirondack chairs and patio furniture .

Pine is another common wood used to make quality Adirondack all weather chairs and other seasonal outdoor furniture. Because of its abundance and reliably quick growth cycle, pine tends to be cheaper wood and is used extensively in the construction of many outdoor furniture pieces, including tables, benches, swings, chairs, and loungers. Pine tends to have a relatively low oil content and bids to that dry out easily, making it susceptible to cracking. However, when properly maintained, pine can be used to make premium Adirondack all weather furniture.

Cedar is a great wood when thinking about quality Adirondack outdoor furniture. Having a reddish brown color, cedar wood tend to be somewhat knotty and is actually a softwood. Cedar is naturally insect repellant and tend to have a very distinct aroma which can be managed with a sealer. However, quality Adirondack all weather furniture made from cedar is both beautiful and very durable making it an excellent choice when buying patio or deck chairs, tables, or accessories.

The Best Ways for College Students to Earn Money Online

Going through college can be stressful, especially if money is tight. Between classes, homework, and studying, commuting to a job just seems like a ridiculously impossible prospect. Millions of people are now making money online, and the internet offers plenty of ways for college students to earn money online as well. Blogging, affiliate marketing, and freelancing are some of the best ways to earn an online income, and the best thing about them is that they do not cost a dime to get started.

Affiliate marketing is probably the easiest method for a college student, because it requires less face time at the computer than other methods, although blogging is closely intertwined with affiliate marketing promotion. With all the information available on the subject, you do not need to be an affiliate marketing expert to get started, although it may still take a little bit of time to earn a decent income from it.

To become an affiliate, you need to sign up on the website and then promote a product that they are selling. Usually this requires writing a blog post or an article for submission at an article directory that talks about the product and gets the interest of viewers piqued. You include a link back to the seller's website, and any purchases that originate from your links will result in you being paid. Affiliates can earn anywhere from 10% to 90% commission on sales generated through their affiliate links. There is some amount of work involved, because you must first research your product to be able to write a qualifying article or blog post about the subject.

Pre-selling is a very effective technique used in marketing and advertising. What you are doing is not selling a product. You are either getting people interested who have never heard of the product or stoking the flame in people who already have some level of interest. In a sense, you are simply educating the customer about the product. That's why it is important not to sound as if you are actually selling the product. Although your writing should be in favor of it, you should not be pushing it on your viewers.

Managing a blog is a simple way to get started in affiliate marketing because first of all it's the perfect outlet for your advertising advertising promotion, and also because if you set up a pay per click system like Google AdSense you will also draw relevant ads that people will want to click on. Every time an ad on your blog gets clicked, you get money. It's really as simple as that. Combining techniques is really the only sure way for anyone to make money online, and with a little trial and error you'll be able to get a good respect on what methods work and what methods are just hype.

What is Resveratrol and Does it Work?

There's been a lot of hype about this antioxidant laately, but what is resveratrol and why is it suddenly getting so much attention?

Resveratrol is a phytoestrogen chemical compound that is found in a few plants but the main source is the skins on red grapes. Resveratrol is a powerful antioxidant. Until recently red wine was the best way to get Resveratrol in your diet.

It was back in the 1940's that this nutrient was isolated as a constituent in white hellebore roots. Plants produce Resveratrol to protect them against fungi and bacteria that is a result of environmental stressors. Its mother nature's natural plant antibiotic.

It was in November of 2006 that Resveratrol first made headlines after scientists demonstrated that when it was fed to mice that were overfed they did not gain wait. In fact they actually became the mice version of marathon racers. One other important thing was noticed and that was the aging process seemed to be slowed down a great deal.

Translated to humans, this grape skin supplement has reduced, even preceded the negative effects a high calorie diet can have on humans. Because it is such a powerful antioxidant it stops plateslets from sticking together, and it has anti inflammatory, anti cancer, and anti aging qualities.

Resveratrol prevents free radicals from remaining in the body and causing damage. It rides the body of these free radicals. It also protects the blood vessels especially those with blood glucose levels that are elevated.

If there are high levels of glucose in the body it causes damage at the cellular level and there are increased risks associated with those levels such as heart disease, kidney disease, and retinopathy. Heart disease can lead to stroke or heart attack. Kidney disease can lead to kidney failure, and retinopathy can cause blindness.

Recent research also indicates that if you are at risk for Alzheimers you can benefit from Resveratrol. Even those that already have Alzheimers can benefit.

The main reason why we've heard so much about 'red wine pills' recently is all the excitement over its ability to slow down, even stop the aging process. It's no wonder it's been getting such great coverage. After all that's very exciting news.

Red wine can provide 1.5 milligrams to 3 milligrams of Resveratrol per quart of wine. Studies have shown wine in moderation has several health benefits. But for those of you that want to enjoy the advantages of a little higher dose of this red wine extract or do not wish to drink wine, there are quality supplements now available on the market.

These Resveratrol supplements are tested in the laboratory to ensure you are getting the correct of Resveratrol to enjoy the full benefits of its anti aging abilities. Now do not confuse Resveratrol with being an anti aging drug – it is not.

It is an anti aging supplement that provides the ability to slow or stop the aging process from the inside out. You'll feel years younger and look years younger too.

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.