ClickBank Refunds – How to Apply For Your Money Back

So you have bought a product off ClickBank, and you would like your money back. Now what? In this article I’ll set out the steps involved in applying for a ClickBank refund.

Step 1 – Go To the ClickBank Customer Support Page

The easiest way to do this is to find the email receipt that ClickBank sent – this will include a link to the particular order. The other option is to manually enter the details on the ClickBank support page. Either way you should then be able to view the details of the order.

Step 2 – Lodge a Customer Service Ticket and Specify the Reason for Refund

From the ClickBank order page, there will be the option of lodging a ticket requesting that ClickBank refund the product. There are a number of different reasons which can be selected, one of which is “I was not satisfied with the product. / Product did not meet expectations.” There is also a text box where specific details regarding the issue can be entered.

Step 3 – Wait for at Least 24 Hours

Under the ClickBank customer support ticket system, a refund will be automatically granted after 24 hours have passed so long as:

  1. those hours do not fall on a weekend; and
  2. the vendor does not attempt to save the sale by offering assistance to help utilize the product or service.

If the vendor does not respond within this period then the refund should be processed.

Step 4 – The Vendor May Make Contact to Try and Save the Sale

What happens from here on will really depend on the product, the circumstances surrounding purchase and the vendor. If the vendor makes contact to provide technical support, either the customer or the vendor can change the ticket to a ‘technical support’ ticket. But the vendor should only do this with the customer’s consent – otherwise the matter can be escalated to ClickBank for review.

Help to Buy Mortgage Guarantee

The first phase of Help to Buy – The Help to Buy Equity Loan Scheme for New Homes – has been available since April 2013.

What is the Mortgage Guarantee?

It means that buyers with only 5% deposit will be able to apply for mortgages although they will not be able to actually get the loans through until January 1 2014 onwards. The mortgages, available from several high street banks, will range from 80 percent to 95 percent of the value of a property.

Who is eligible for the scheme?

· It will apply to those buying new or existing homes up to a maximum of £ 600,000.

· It is available to all home movers (eg trapped sellers, those looking to sell and buy, and first time buyers).

· The purchaser requires 5% deposit.

· British citizens only.

· Only repayment mortgages will be offered under the scheme. Tough checks will be imposed by lenders to ensure buyers can afford their mortgage payments, and borrowers' income will be verified.

· The new mortgages will not be available to people with bad credit history.

· It must be the buyers only home. It can not be used for buy to let, or for a holiday home.

How does it work?

The government guarantees between 5 and 20% of the mortgage, so if the purchaser misses mortgage payments, the lenders' liability is reduced. This will encourage the lenders to offer higher loan to value products, such as 95% mortgages at more competitive interest rates.

How do buyers apply for a mortgage under this scheme?

You will apply for a mortgage in exactly the same way as you would for any other mortgage. There will be no extra paperwork or mortgage guarantee fees. Tough checks will be imposed, however, by the lenders to ensure buyers can afford their mortgage payments, and borrowers' income will be verified. Documents include up to a year's worth of bank statements, three month pay slips, a passport, a utility bill to prove their address, and proof of deposit.

Which lenders will be part of the Help to Buy Scheme?

According to the prime minister at the weekend, mortgage lenders signed up to the scheme (which is due to last for three years) include a number of high street banks.

How is this different from the Equity Loan Help to Buy Scheme?

The scheme will give buyers access to up to 95% loan to value repayment mortgages on all resale and new build properties up to the value £ 600,000 of. The buyer will own 100% of the property. The Equity Loan scheme was just for new builds and was an equity loan, meaning that the buyer only ever owned 80% of the property.

How will Help to Buy Mortgage Guarantee affect the housing market?

It is estimated that the scheme could generate an extra 400,000 house sales in just three years. An increase in lending confidence will attract more first time buyers and existing home owners to move. The Click here for an opinion on how to Buy Powered by vBulletin Help may Affect the housing market.

Autumn Pumpkin Projects

Pumpkins are a staple of autumn. Whether Halloween or Thanksgiving, pumpkins undoubtedly play a large role in either autumn holiday. With a little imagination, there are some creative ways to use dowel to craft pumpkin projects for your home.

If you enjoy designing your own floral arrangements, purchase some artificial flowers of various sizes and shapes, being certain to select autumnal colors. Orange, gold, yellow, deep purple, burnt red, and any other accenting color that reminds you of autumn are great ways to go. Then, using your selected flowers, design your own arrangements.

When the arrangement is done, add a touch more of autumn by carving a craft pumpkin and using dowel.

Choose a dowel sized appropriately for the project. Consider the overall size of the floral arrangement, as well as the size of the craft pumpkins. Make cuts to the dowel as required to meet the specific desired size. Before making the cut, however, consider whether or not you would like for the dowel to extend through the top of the craft pumpkin and, if so, how much dowel you would like to show on the top half of the pumpkin.

Once this is determined, carefully insert the dowel through the bottom center point of the pumpkin.

Adding by creative touches Consider to the wood Dowel before fixing it in place. If you decide to accentuate the dowel, first remove it from the pumpkin. There are several things that can be done to make it more crafty. It can be painted, wrapped in ribbon or both. Whichever you may decide, be certain to allow sufficient time for the paint or hot glue to dry once the paint or ribbon is applied.

Reinsert the dowel into the craft pumpkin, secure either end (if applicable) with a small amount of hot glue, allow it to dry and then insert the pumpkin into the floral arrangement.

The same concept can be applied to a Halloween craft or floral arrangement. With a Halloween motif, however, consider first painting, or carving and painting, a face on the pumpkin that is characteristic of traditional pumpkin carving. Get the whole family involved by allowing your children to design or paint the pumpkin faces. Consider designing incrementally sized pumpkins, and use an appropriately-sized section of hardwood dowel that will accommodate a pumpkin topiary. Other creative touches may be added as well. Consider affixing a plastic spider to a craft pumpkin, adding a witch and broom, or using string or cotton batting to replicate a cobweb.

These are just a couple of ideas for using pumpkins, one of autumn's most distinctive items, in a creative way. Use your own creativity and a few very inexpensive supplies, available at most local craft supplies stores, to add your own personal touches and make something that can be displayed year after year.

Stack Up Style With Bangle Bracelets

If you think a bracelet is just a piece of fine metal looped around the wrist, think again. A bracelet can be anything as intricate as a diamond tennis bracelet to something as fun as a heavy charm bracelet. You can go sleek with a cuff bracelet, or slim it down with a spinel bracelet. But if you are into stacking your look, you can not go wrong with stackable bangle bracelets.

Classic bangle

If you want to know what people mean by a "bangle" bracelet, then slip on the 8-inch Silicoro Grande Omega Slip-On Bangle Bracelet in either white or yellow gold. This beauty is a bold 3/8 of an inch wide, and made with patented silicone technology. That means it contains 0.8 grams of gold that is combined with silicone for a total weight of 6.4 grams. Made in Italy, it is part of the Italian Jewelry Designs with Stefano Silicoro. If you love the look, add a matching necklace.


For an elegant, but simple bangle bracelet, start out with an 8-inch sterling silver bangle bracelet with a single 10-11 mm black cultured Tahitian pearl in the middle. It's a dainty 3/8 of an inch wide. It will be stunning alone, or perfect if you prefer to stack it with other bangles. It comes with a jewelry pouch to help store it safely.

Instant collection

For an instant stack look, buy three bangles at once. Each bracelet from the Toscana Italiana Jewelry Collection is created in 18K yellow gold embraced bronze, each set differently. One of the bangles is set with gemstones arranged in a row, like birds of a wire. On the second bangle, the jewels are set at different intervals. The third bangle is plain, which sets off the gemstones in the other two bracelets. What a gorgeous trio. The stones used include smoky quartz, amethyst, garnet, orange citrines, peridots and blue topaz – all in bezel settings. Each bangle measures 8¾ inches by 1/2 inch wide.

Eye catching

If you want a larger bangle bracelet, check out the sterling silver 7-inch hinged bangle. Its clean, contemporary lines will look good against a dark suit or sleeve. Made in polished sterling silver, the bangle has a textured finish that shines in the light. It measures 7 inches by 9/16 of an inch wide. It can afford to be a bit smaller around because the hinged bracelet opens so you can put it on. The slide insert clasp closes securely around the wrist. This piece is made using Electroform, a technique that creates hollow pieces of jewelry.

Big and bold

Want a bangle bracelet that really stands out? Consider the 8-inch carved dyed black onyx bangle bracelet and matching ring. The carved bangle is almost ¾ of an inch wide, created from permanent dyed onyx. It is covered in ornate petal carvings. The ring, 3/8 of an inch long and 7/8 of an inch wide, is carved in a matching design. The bangle weighs 353.00 ct and the ring onyx weighs 20.90ct – both approximate weights.


Add a fun dash of colors with one or more of the set of four Cloisonné filigree hinged floral bangles. Created in an exotic Far East style, these four bangles add a dynamic touch of color and design. Each set includes one bracelet in green, blue, white and red enamel – adorned with exotic floral details. Each bracelet measures a snug 7¼ inches long. Again, each bracelet is hinged, allowing for a more snug fit.

If you are wondering, Cloisonné is an ancient Chinese process. Each bangle is produced in a seven-step process that involves crushed glass enamels of various colors that are fired and polished. The results are gem-like colors that add a heavy dose of color. And with this set of four Cloisonné bracelets, you can wear one, two, three or four. Or be generous. Wear two of the bangles and give two to a friend.

Bracelet sizes

If you are not sure what size bracelet you need, here is how you can measure for an accurate fit: wrap a soft tape measure around your wrist bone add ¾ inch to 1 inch to that measurement to determine your bracelet size the standard woman's size in 7 inches; standard man's size in 8 inches.

Another way to find out what size bracelet is right for you, measure the length of a bracelet you already own. If it is a bracelet that will slip over your hand, measure the widest part of your hand to make sure the bracelet will fit. Remember that different bracelet will fit differently. It all depends on the clasp and materials used. Bracelets have been around since ancient times. Bangle but bracelets are On a That way you can combine some classic looks in a new and stylish way.

Writing Made Them Rich # 2: Charles Dickens

Charles Dickens was born in Portsea, England, in
1812. His father was a clerk in the Navy Pay Office,
stationed at Portsmouth. Although his job was well
paid, his father had a weakness for spending money and
spent much of his life in chronic bankruptcy.

In 1824, when Charles was just 12 years old, his
father was sent to debtor's jail. Charles Dickens was
sent to a boarding house and given a 12 hour-a-day job
preparing bottles of shoe polish in a blacking

But Dickens' fortunes improved: a sudden inheritance
allowed his father to pay off his debts and he sent
Charles to school.

At age fifteen Charles was placed as a clerk in the
office of an attorney, a friend of his father's. In his
spare time he studied hard to become a Parliamentary

At age nineteen he entered the parliamentary gallery as
a reporter for The Mirror. It was a well paid job and he
soon became known as one of the best shorthand
reporters in London.

Dickens began writing fiction at age 21, under the nom
de plume of 'Boz'. In 1836, when Dickens was 23, he
began writing a series of short stories (The
Posthumous Papers of the Pickwick Club) which appeared
in cheap monthly installments. By the age of 24 he had
become internationally famous.

Charles Dickens burst onto the literary scene at a
unique moment in English history

Until the end of the 18th century, England had been a
mainly rural society. But from the late 1700's onwards,
land holders started forcing people off their land to
make way for sheep farming.

At the same time the Industrial Revolution was
creating new towns and cities with belching smoke
stacks and factories that needed workers – the English
countryside was emptying and a new urban working class
was emerging.

The concentration of people in towns and cities
created something that had never existed before – a
mass audience. Newspapers, Magazines and Newsletters
sprang up to cater for this new and growing demand.

Books were being serialized in Newspapers and
Magazines – those who could not afford to buy a book
could read it in weekly installments. Dickens wrote and
published most of his novels in this fashion – a chapter
at a time.

Between 1837 and 1839, Dickens wrote three of his most
famous novels Pickwick Papers, Oliver Twist, and
Nicholas Nickleby.

In the first ten years of his writing career, the
manic part of Dickens' manic depression had given him
an endless source of energy and inspiration, but now
he began to succumb to depression.

In the 1840's he started to experience writer's block.
He would spend days locked up in a room, unable to put
words on paper. He wrote: "Men have been chained to
hideous walls and other strange anchors but few have
known such suffering and bitterness … as those who
have been bound to Pens. "

Dickens was an extremely energetic man and a compulsive
traveler. He traveled the length and breadth of England,
Scotland and Wales and also made frequent trips to
France and Italy. In 1842 he spent six months in America,
where he was given the kind of reception reserved for
modern day rock stars.

In 1856 Dickens purchased a large residence in Kent,
the kind of house he had always dreamed of owning.

Although Dickens became wealthy, he never forgot
his origins. Throughout his life he visited the
factories, the slums, the jails and the poor houses.
Indeed, his novels were a social commentary on the
appalling conditions of 19th century England. He was
well known for his generosity and received requests
for money wherever he went.

He is considered by many to have been a genius and
the greatest English writer of the 19th century.

When Dickens died in June 1870, he left an estate
valued at over $ US6.5 million (2001 value).

A Review Of The Feature Packed Sony Ericsson Xperia Arc

The Sony Ericsson Xperia Arc is one of the more impressive smartphones currently available, and certainly among the most technologically advanced. This article will review the handset by looking at its key features, so you can decide if it is the smartphone for you.

One of the first things to strike users of the Xperia Arc is the slimline dimensions. At its thinnest point, the handset is just 8.7mm thick, considerable smaller than the iPhone 4 at 9.3mm which was previously marketed as the "world's thinnest smartphone". The general aesthetics of the device are top notch; it looks unlike any other phone on the market, and is finished in a glossy black with nice silver detailing on the buttons at the base of the screen.

Under the hood, the Sony Ericsson Xperia Arc is equally impressive. The latest version of Android (2.3 aka Gingerbread) runs alongside a powerful 1 GHz processor. This combination provides the foundation for a great user experience. This is because the OS allows users to browse thousands of apps in the Android Market which can be downloaded straight to the handset, whilst the processor is on hand to run demanding applications, as well as contributing to the recourses required for tasks such as web browsing , multitasking and operating the touchscreen effectively.

The ample 4.2 inch LED-backlit LCD capacitive touchscreen is superb. It runs seamlessly and quickly with zero lag thanks to the aforementioned processor, and also provides outstanding display quality. Up to 16 million individual colours can be displayed within the pixel resolution of 480x 854 resulting in excellent detail and image quality. Naturally, this makes the Sony Ericsson Xperia Arc great for multimedia tasks such as viewing photos, videos, surfing the web or playing games.

The Sony Ericsson Xperia Arc is also a highly competent cameraphone. Boasting 8 megapixels, the built in digital camera offers the resolution and features to take professional looking photos with ease. Additionally, the camera has the capability to shoot high definition video footage in 720p quality.

Adding to its appeal as a multimedia device, the Sony Ericsson Xperia Arc has a built in microSD slot which comes with a pre installed 8GB memory card. This is able to store thousands of files such as photos, videos, music tracks and downloadable apps. Should you find that further storage is required, this can be replaced with a compatible card of up to 32 GB.

One of the main reasons people use smartphones is to browse the internet on the go. Thanks to both 3G and Wi-Fi connectivity, this is both a convenient and speedy affair. The full HTML browser supports flash, an application which allows various embedded media to be played (such as games and videos), a feature which surprisingly few smartphones offer. Thanks to the speed and the quality of the browser, the internet browsing experience on the Sony Ericsson Xperia Arc is not a million miles away from that of using a desktop or laptop computer.

There is of course much more to the handset than what I have covered in this article. I have covered what I believe to be some of the more important features, and hopefully you now know if this is the right smartphone for you. If you are looking for a slim and stylish smartphone which is packed with features, the Sony Ericsson Xperia Arc is the perfect device.

Bear Bow Hunting

Hunting can be referred to as an activity having dual functions; one in the form of a 'pass time' and another in the form of an 'occupation'. The excitement of having caught a prey can not be explained just like that. You would not realize it till you turn out to be a hunter. Even though hunting is not as simple as it looks, springing up of various hunting forums has, by all means, meant that it is not tough to learn any more.

Hunting forums appear to be the best place for updating your knowledge regarding hunting. The tricks and tips that are posted can help you literally anytime. Moreover, you can learn so many things from experiences of fellow hunters. This way, you can avert mistakes committed by the others. The other advantage is that you can post your thoughts and experiences on forum. You can also allow the others to take complete advantage of these happenings.

The tips mentioned in certain hunting forums were, in true sense, effective. One amongst them stated that 'bear hunting' is the most effective during the dawn or at dusk as the bear is more active during this time-span. The other one was that it's better to have found bear's food source. This is the place where it can be trapped. The 3rd was to have found bear's trail marks. These marks are capable of giving you a fair idea regarding the places visited by the bear frequently. The fourth was of building good set (of notes).

The quest for hunt can, by all means, weaken the memory. The 5th tip was of having kept body movements minimal. Various impulsive bodily actions are capable enough of easily scaring off the bear. The last but the most significant tip: be ever ready. During hunting, you can not afford to be inactive even for a moment. You might lose a prey and your life as well.

The two forums which are visited frequently are those of bears and deer. In 'bear hunting forums', you can locate information with regards to diverse species of bears, like polar bear, white bear, black bear, etc. In such forums, discussions regarding diverse weapons utilized for bear hunting have also been carried out. The weapons such as Rifle, Arrow and Bow, Shotgun, and Muzzleloader have been taken up. These forums also prove to be good for having sold off the hunting equipment.

The 'compound bow' has begun to have become more advanced on the technological front since the last few years. They exist in every shade of color, size, and shape. These bows are also made as per experience levels of people. A thing is sure. Contemporary compound bows of today can be described as 'lethal hunting weapons'. The bowhunting equipment is not expected to work the other way.

Sinus Drainage and Bad Breath

Tact, wisdom and perfect physical presentation are the ideal qualities everybody sought for in modern and advance society. Who wants to be left behind? Anyone seeking it must go with the trend. Attaining perfect presentation comes along fragrance. Fresh breath is on the top of its list. However unpleasant breath problem can ruin everything.

Bad breath, when at its worst is referred to as Halitosis, is a medical problem most people set aside or even neglect. Because of limited information people tend to neglect its occurrences supposing it as after result of not brushing teeth or flossing. It may be true but the basis is very shallow. This problem is primarily caused by bad bacteria that build up in our mouth. Bacteria build up are caused by and not limited to leftover food debris and even sinusitis problem. Although there are other reasons of its occurrence ranging from the food we eat to poor oral hygiene and other medical problems such gum disease, and both types of diabetes, among others.

Another cause is sinus drainage. In order to treat this understanding its nature is the key. Sinus cavities are pairs of hollow cavities in the front skull that connects to nasal passages where mucus and air exchange. Sinusitis happens when the sinuses are irritated and inflamed. Bacterial, viral or fungal infection and allergies may trigger the inflammation. Because of the inflammation mucus flow into the nasal passages are block. The accumulation of mucus creates a humid and wet environment suitable for fast bacterial reproduction. As by product these anaerobic bacteria releases sulphur compounds which smells very foul. The same compounds that rise off in dead animals and spoiled foods. Since the sinuses are connected to the mouth occurrences of sinusitis cause odor breath problem.

Treating sinus drainage bad breath can be done by taking pills to suppress sinusitis, or allergen for allergies. To always have perfect physical presentation perfect remedy is the solution and this can be attained by identifying first what really is the cause of the problem.

Cleaning Your Kitchen – Drains

Kitchen Hygiene, please

Kitchens can be very dirty places if the management wants it to be, or leaves it piling up trash. Kitchen hygiene should be emphasized a lot – Not only kitchens that provide food for airplane trips (with HACCP checkpoints) but also the standard kitchen in restaurants we visit all the time. It's daunting to see many restaurants here in Malaysia do not keep up to the standard of hygiene in the kitchen.

Today, Food Central is going to talk about kitchen hygiene, focusing on drains. Somewhat during our dear Chef – Mr. Sun's time in a Chinese kitchen before, he pointed out that there are different types of drains constructed in restaurants. Some do not even have a proper drainage system, or open drains topped with 1 1/2 inch thick holes.

Drains are very important in a kitchen, especially when it's a commercial, busy kitchen. For home kitchens, there may not be so much hassle as cooking activities and preparations are not done at large every single day.

Filters on the other hand could cover filters for the sink, filters for the ventilation equipment, filters for the drains and filters for the water system. Filters play a huge role in ensuring comfortable, safe kitchen handling and food quality – And also depending on how well it's maintained and kept.

Kitchen Drainage Systems
A proper commercial kitchen should always be designed in a way where it would not contain any water on the floor – Lest accidents are bound to occur. Like the bathroom, the drain is a hole kept on one side of the bathroom, while its landscape is made ​​such a way it's lower, to enable gravity to flush excess water into the drain.

Raw and cooked food; water, sauces or soups; dirt and sand; plastic materials; sometimes even kitchen utensils, are often found on the kitchen floor, and they become dangerous once it's on the floor. Not to say everything has to go into the drain, but it's more of a mini sewerage system for the kitchen. Here are some common uses of the drain.

  1. Draining convenience during kitchen cleaning.
  2. To drain unusable liquid or dangerous liquidized materials in a large amount without cross contamination (liquid with strong acid, hot oil / greasy items or scraps of chemicals cleaned in a water solution)
  3. To keep the kitchen floor off excess water.
  4. Transfer liquid from in the kitchen to an appropriate place (rather than the sink).

There are many misuses of the drain, also. In certain kitchens (which are not supposed to be made kitchens), drains are not available, sometimes to the extent of not having a hole for drainage at all. At times when kitchen staff are less disciplined, trash will see its way to the drain. Or maybe sometimes, when a soup needs to be thrown away, they still contain certain solid materials.

Although there are requirements in building a kitchen but there's no law to it stating that in a kitchen, you need this much of drain build or you will not be able to get your license. Have a drain for your kitchen, and you can see that things get very much easier. You can follow these few tips to better drains in your kitchen:

  1. Below the grill frame used to cover the drain, have another layer of filtering wire where they can filter off bigger solid items. Alternatively, you can also use drain frames with smaller holes in diameter to allow only liquid to pass, not solid items. But this alternative method is bad in the long run. Rubbish will be on the floor after liquid has been drained.
  2. Scrap the sides of your drain in order to not accumulate rubbish that are stuck.
  3. If your kitchen floor is cleaned from time to time, you might not have a smelly drain. Should you encounter this, 1 cup of baking soda into 4 quarts of hot water will help a lot.
  4. At times, the drain can grow plants, or roots. Use hot water to wash it away or acidic items like vinegar to take them off. If you're encountering something like tree roots growing out of the drain, consult a professional drainage company immediately.

Functional Drill Press

A Drill Press is a tool used for drilling holes in furniture at home or in office. This tool is most commonly used in construction, wood work, and metal work. The drill press has a rotating bit used to make hole and a chuck at its end for gripping option.

The Uses of Drill:

o Twist drilling

o Oil drilling

o Masonry Drill

o Bench Drilling

o Pillar drilling

o Pedestal drilling

Two Types of Drill:

1. Manually Powered

The Manually powered drill runs on electricity or compressed air.

2. Minority Drive Engine

The Minority Drive engine is typically driven by an internal combustion engine. Earth drilling is an example of this type.

The Main Parts of Drill Press:

1. Base

2. Column

3. Table

4. Spindle

5. Drill Head

The Base is the head of the drill press. It usually has a set of three handles. These handles radiate from a central hub. It can be moved vertically, by the spindle and chuck when turned for adjustment. The handle is aligned parallel to the axis of the column.

The Table is generally moved by a pinion or a rack. It may be the counterbalance from the axis of the spindle and can be positively rotated to position perpendicular mainly to the column part of the drill. This can be adjusted vertically.

The size of drill press is measured relative to the swing. Swing is also known as the twice throat distance. The throat distance is the measurement from the center of the spindle to the closest pillar edge. For instance, a 16-inch drill press must have an 8-inch throat distance.

The Advantages of Drill Press:

o mechanical benefits

o More secure operation

o accurate drilling

o adjustable speed

o Continuous variable transmission engine

The drill press required less effort in applying the drill to the work piece. It gives the advantage of mechanical work by the movement of the chuck and spindle through level working on a rack and pinion. Work becomes less tiring for the user.

A table and a vise or clamp locks the work piece securely. This fixed position allows for more accurate drilling especially in repetitive tasks. The vise in drill press is a motorized screw used for holding or clamping a work piece. These apparatus allows work to be performed with tools of saw, plane, drill, mill, screwdriver, and sand paper.

The drill press can configure a change in speed by manually pulling the belt across a stepped arrangement of pulley. Other drill press consists of third stepped pulley to adjust speed. Modern drill press uses a variable speed motor conjunction with the system of stepped pulley. These are the continuous variable transmission with a sort of wide range chuck speed while the machine is running.

Other Accessories of Drill Press:

Taper Length

Head complete with bearings

Pinion shaft

Oil hole fitting for pinion shaft

Wheel hub

Wheel lever

Return Spring

Spring clamp ring

Spring tension adjuster


Spindle bearings

Spindle rings

Assembly of thrust bearing for spindle

Spindle pulley

Motor pulley

Depth stop nuts

Speed motor

Head stop bumper

Depth stop stem

Indicator adjustment bracket

Column lock, screw, pad, lever

Table lock, screw

Motor mount and tilter

Springs for motor brush

Motor bearings with oil retainers

Field assembly

Cedar Homes, Log, Timber Frame, Post Beam Cedar Homes

Cedar homes, post and beam homes and timber frame homes have recently enjoyed a renaissance in popularity.

What's fueling the interest in prefabricated housing ?

Some would speculate it could be a result of the economy, a change in mortgage lending, consumer speculations, or other practical and emotional reasons.

Modern Cedar Homes Provide a Cost-Efficient , Elegant Alternative
Sometimes a real estate trend evolves to meet a specific need. Prefabricated cedar homes offer environmentally friendly house hunters high energy efficiency. Energy efficiency is also recognized as one answer to the ever increasing rise in energy prices. A new generation of beautiful, prefabricated modern cedar homes provide a cost-efficient, elegant alternative. With home values ​​tumbling and the cost of building a custom cedar home affordable, today is a very good time to build that custom home of your dreams.

Prefabricated Cedar Homes – Your Time has Come
Cost is one of the biggest factors in why prefabricated cedar homes is timely. If you've always wanted a custom designed cedar home, today's prefab log home market makes it easier and less expensive to realize your plans. These prefabricated houses prove you can combine low cost and high design – and they're selling well.

Why are Prices for Cedar Homes Timely?
With the nation's real estate woes and new home demand drying up, we're seeing a price drop in home construction materials. Real estate developers over extended themselves by investing into too much land. They are now highly motivated to sell. New home starts have declined drastically and as a result, contractors are now competing for your business. The prefab homes market is not getting directly hit by the subprime mortgage crisis.

Modern Prefab Homes Are The New Trend
Demand for these custom designed cedar homes is booming. Modern prefabricated cedar homes have become the latest chic, a must have, in housing design. Cedar homes, post and beam homes and timber frame homes are now considered mainstream. Prefabricated homes have become an alternative to the traditional brick and morter homes for many.

Architects recognize this trend and are now designing eco-friendly, prefab homes.

Repair Drywall and Eliminate Nail Pops

First, the best method to fix your existing nail pops is to make sure that the head of the nail or screw is recessed about 1/32 inch. If it is sticking up, do not drive it too deep or you will break through the paper surface. If you do, the drywall will be severely weakened.

Next spread a little spackling compound over the nail pop area. Let it dry and then sand it down. Lay a straight edge over it to make sure that it is not too high. A slightly raised spot is better than making it too shallow. Let it dry thoroughly because the compound will shrink a little.

Paint the repaired area with drywall primer. Paint an area larger than the fixed spot so that the larger area will absorb the finished coat uniformly. This will make it almost impossible to detect that a repair was made to the wall.

The problem of nail pops can be caused by either improper drywall installation procedures by your builder or by damp lumber. Although lumber is supposedly kiln-dried, it can pick up moisture over time, especially if it has been out in the rain for a while.

Wall studs, which the drywall is nailed or screwed to, shrink as they dry. Unfortunately, they shrink the greatest amount (due to the orientation of the grain) in its depth dimension (nominal 4 inches).

If the drywall is nailed against damp wall studs and the studs shrink just a little as they dry, a tiny gap can form between the drywall and the stud. It doesn’t take much. If the drywall is bumped and pushed back against the stud, the nail head causes it to pop.

The best method to minimize nail pops is to use properly dried lumber. Since your project is a room addition, store the lumber in your garage, out of the rain, until it is used. If possible delay your construction until the weather is reasonably warm, but not during high humidity months.

Inspect the lumber as each piece is used because alignment of the lumber is important to make sure that the drywall makes good contact with it. Your builder can use any bowed studs in other areas so it is not wasted.

Make certain that proper drywall nails and screws are used and they are of the proper length. These are different than ordinary fasteners. Drywall fasteners have specially shaped heads so that they do not tear the paper when they are recessed. For 1/2-inch drywall, 1 1/4-inch angular ring shanked drywall nails work well.

If possible, have your builder wait a while to install the drywall after the wall framing is complete and the room is closed in. The longer you can wait, the better it is. This allows time for the framing lumber to dry and for the moisture content of all the pieces to stabilize.

The spacing of the screws and nails is equally important to minimize future nail pops and other problems. The maximum spacing for fasteners on drywall used for the ceiling is 12 inches on centers. This means that a four–foot wide panel should have at least five fasteners. For wall panels, the fasteners can be 16 inches on centers.

Insider’s Guide to the Relationship between Executive Directors and Boards of Directors

Recently, I’ve talked with someone seeking to become an Executive Director of a non-profit organization. He’s terrifically qualified and I’m sure would be great leader for a mid- to large-size organization. The only area in which he lacks experience is working with a Board of Directors. And, while not insurmountable, that is a significant gap.

While nothing beats personal experience, I’ve shared with him my own learning about how Boards operate to give him a leg up on other candidates. Here are some key takeaways from my 20+ years working with Boards:

1) The Executive Director has a completely different relationship with the Board than do any senior staff, and nothing prepares you for it.

Prior to joining City Harvest as its Executive Director in 1994, I worked with Board committees and Board members, as well as serving on Boards and helping form them. Certainly, those experiences gave me some awareness of how to work with these elite volunteers. Honestly, however, nothing could have prepared me for what it was like being an Executive Director. There’s simply no other role quite like it.

All of a sudden, the buck completely stopped with me – which was a given, except that there were 27 people with different standards and desired outcomes. Which “buck” mattered the most? Who wielded the most power? How much should I tell the others about one or another Board members requests? Did I really have to deal with each individual concern, issue, complaint, idea, inspiration, request?

The answer to the last question was “YES!”

And the other questions? Gradually, I learned that the Board as a whole and members individually had no idea what the answers were or should be. Part of my job was to work out the answers to the other ones, using every tool in the book to enlist the cooperation of the Board as a whole.

I relied on my staff, I relied on colleagues in similar positions, and I talked often to my father who served as co-CEO of the American Bible Society and then as CEO (aka General Secretary) of the United Bible Societies. All provided me with invaluable information, suggestions, support, and venting space. Yet, at the end of the day, I carried on my shoulders the entire burden of managing the Board.

From the perspective of managerial effectiveness, I wanted it that way. Many staff carrying multiple messages would only confuse things. Yes, staff could interact with and help the Board – only with my full knowledge and agreement and consent.

Sad to say, I also needed to be the chief liaison with the Board from a political perspective, in order to maintain my position as Executive Director. I had reached the top of the non-profit heap and was a great target for someone who wanted to have my position, visibility, influence, and power. And, as I found, there is no better way for staff to oust an incumbent Executive Director than by working behind the scenes with one or more ambitious Board member who seeks the pinnacle of volunteering: being Chairman of the Board of a prestigious non-profit organization. I told him that I believe I was no longer at City Harvest largely because, while recuperating from a hip replacement, I was out of regular touch with the Board. While other factors undoubtedly were at play, I am certain that the KOD (kiss of death) was my lack of regular contact with and hands-on management of the Board.

That leads nicely to my next lesson.

2) The “care and feeding of the Board” is at least 50% of an Executive Director’s job.

My colleague estimated he would need to spend 25 to 40% of his time focused on the Board. Au contraire, I said. I could never have handled my Board responsibilities if I spent less than 50% of my time with them. That was the experience of my father and other colleagues. Few outsiders believe that this is necessary. I’m here to say that Executive Directors listen to these outsiders at our own peril.

I remember telling the then-Chairman of City Harvest’s Board about that rule of thumb and his thinking that a ridiculous amount of time. He told me not to spend so much time on the Board – he wanted the organization to get more of my attention. Fortunately, I was pretty seasoned by this time and completely ignored his request. He didn’t get that, by working with Board members individually and as a whole, I was giving the organization my full attention. (Years later, he acknowledged that he now knew better.)

The reality is that an Executive Director must spend a lot of time developing relationships with every Board member and each Board Committee and the Board as a whole, in order to achieve any agreement and forward movement on the organization’s agenda. I can’t fathom how I would have gotten approval for one Action Plan and two Strategic Plans if I hadn’t invested major time and thought into “working the Board” – all 17 to 33 (or more) Board members. I talked, asked questions, listened, pleaded, flattered, cajoled, “talked turkey,” made alliances, courted, appealed to ego and ambition, flirted, involved, confided in, strategized, mediated, meditated, dreamed, vented, cried, cheered, invited, thanked, and more – anything I could think of to do, I did. All of it was in order to find out what various Board members thought, wanted, feared, hated, liked, desired, and needed. Then I took that information and put it through my own mental sieve. Only then was I ready to work with my senior staff to devise the processes, strategies and scripts that would yield Board consensus and forward movement for the organization.

And that leads to the third lesson.

3) Board members spend 90% of their time elsewhere and 10% on their Board membership, if we’re lucky.

The reasons for this are obvious: Board members have occupations and lives that fill their minds and calendars. We want people on our Boards who have money, contacts, clout and hopefully good sense. If we have to sacrifice anything, it’s the good sense – because we need their money, contacts and clout to make the organization’s work possible.

The consequences of the 90/10 rule are so far-reaching, I can only name a couple here. I emphasize that understanding the cause of these consequences is key to reducing and even eliminating the frustration experienced almost universally by staff leaders.

The most pervasive symptom of the 90/10 rule is that Board members seem to “check their brains at the door” of the Board room. It can seem that Board members forget almost all they knew from one meeting to another, and that they never read the materials painstakingly prepared by staff. Optimally, Board members will read materials before the meeting. Assuming they will not is a far better rule of thumb. Board members are busy, their time filled with other priorities. Generally, the time they set aside to attend a Board meeting is all the time they can spare for the non-profit. So it behooves the Executive Director to prepare crisp, bullet-pointed written reports and then present short, purposeful verbal reports at the Board meeting.

The wise Executive Director will talk before the meeting with as many Board members as possible, to lay the groundwork for any discussion and decision that will occur. If there is little time to spend talking with individual Board members, the Executive Director needs to focus on the most influential – or consider postponing the topic until a later time and then spend as much time as needed to educate Board members and allay concerns before the next meeting. A Board meeting is no time for surprises for the Executive Director. And an Executive Session without the Executive Director is to be avoided at all costs – it means you’ve lost the Board’s confidence.

Another consequence of the 90/10 rule is that any one Board member who does spend a lot of time volunteering or working with staff will have an inordinate amount of power and sway within the Board. Often, other Board members will think: “well, s/he spends so much time on it, he must know what’s going on, so I’ll listen to him…” In the meetings, other Board members will often defer to this Board member, making sure to solicit his or her opinion before any decision. The smart Executive Director quickly makes an ally of this Board member.

Founders often fall into this category. Regardless of the amount of money they give and/or get, founders usually receive great respect and deference from all other Board members. If the founder does not like the Executive Director, it does not matter how well the Executive Director does her/his job technically. That Executive Director is not long for his or her job – a lesson I learned at New York Restoration Project.

In sum, Board management can make staff management look and feel simple. However, bearing these three lessons in mind, an Executive Director can be more successful at the job of managing a Board of Directors.

Outdoor Party Light – A Must For Entertaining

I always wanted a room that I could go to and decorate as I saw fit. When I purchased a new home a few years back, I was ready to build my man cave until my wife decided a huge back porch would be much better suited for the spot I had picked out. So, I still do not have my man cave but I do have a back porch that would be large enough to land a small plane on but for the cover. I must admit that I do enjoy the porch quite a bit and we have had several parties and other events on our back porch since it has been built. However, were it not for the proper design of the outdoor party light that we took the time to plan and install, many of these gatherings would have been cut short once darkness fell.

The hours of research that we put in paid big dividends as we found we were able to install lighting that could perform more than one function. Some of our lights provide for the repelling of mosquitoes, as well as, the lighting. There are also lights in the functional areas such as the cooking and food prep area that also serve to provide for safety and security when not being utilized for some gathering. We also have lighting that serves to decorate in addition to its lighting function. These lights are mostly string lighting that range from cows to chili peppers. While we were working on the patio lighting, we also chose to go ahead and provide lighting around other areas of our property that highlight some of the more interesting focal points and also serve to add safety and security for the entire property.

Even though you may not have a huge back porch or patio where you entertain, if you do any entertaining outdoors, you will be wise to invest in a quality outdoor party light scheme. The great thing about this type of lighting is that there are so many different styles available that it is easy to acquire lighting that displays your personality and individuality. You can choose traditional lighting or go with some whimsical lighting or simply string Christmas lights if you desire. There are also choices in the way many of these fixtures are powered if electricity is not readily available in the area you will be using. You will find the string lighting available in battery powered units, or like many other type fixtures, solar powered models may fit your needs.

I would suggest that you take the time to develop an overall plan for the area you intend to light with your outdoor party light plan. The time spent planning an overall design will yield much better results and will likely save you money as you prevent discarding lights that turn out to be wrong for the function you thought they would perform. Speaking of function, this is the best place to start with your lighting plan. Consider the different function areas that need lighting and simply provide brighter lighting in certain areas and more subtle lighting in the others. Just remember that the type lighting you are providing is for a fun area and you should provide illumination that will promote enjoyment and not just meet your practical needs.

How to Profit by Becoming a Landscaping Contractor

Becoming a Landscaping Contractor can be a very profitable and rewarding way to work for yourself and manage your financial future. Organization is the key to any landscaping business start up and must be maintained throughout if the venture is to be successful. A service business like landscaping is one of the easiest to start up and has the best chance of success. By simply tending to the landscaping needs of your clients, you can grow your landscaping company into a multi-million dollar organization capable of supporting your wildest dreams.

Estimated Start up Costs:

The costs of a landscaping business start up are relatively low but they increase with the level of services you intend to offer. Essential to your start up will be: a truck or trailer of some sort capable of hauling your tools and equipment to client locations; a lawnmower and weed eater; a rake and broom; a cell phone; and a computer to help with invoices, bookkeeping, and marketing; and hand tools will all be needed to get your business started. Not including the truck or trailer, a person could reasonably finance a landscaping business start up for less than $ 2,500.

Pricing Guidelines:

Pricing definitely is dependent upon the range of services offered and how desperate you are to break into the market. A reputable Landscaping Contractor can reasonably expect to command anywhere from $ 25-50 per hour for residential services. Sometimes you will be forced to bid on entire projects and pricing depends on the level of expertise needed to complete the project.

Recommended experience, skills, and training:

Many states require certification for Landscaping Contractors in order to use certain chemicals and pesticides inherent to the landscaping business. This generally involves a 6-8 week course at a local college and costs less than $ 200 in most cases. Naturally, any experience or training in horticulture, agriculture, and business will greatly improve the chances of success for your landscaping business start up.

Marketing tips:

The most advisable strategy would be to being with residential accounts and build a good reputation before attempting to win the commercial accounts. To do this, word-of-mouth advertising will be key to the growth of your landscaping business start up. In addition, classified advertising in a local newspaper is also a great way to increase sales. Just make sure to create a professional looking ad for greatest effect and to enhance credibility.

When you are ready to pursue commercial accounts, try using print ads in local business magazines and any other publication known to be read by upper income business members of your community. Also try using direct mail campaigns to local businesses offering discounts for using your service. Be certain that you already have an ad in the Yellow Pages before trying to pursue the commercial accounts.

Financing sources:

For people with great credit and some decent collateral, there are franchise possibilities to consider for your landscaping business start up. These business opportunities come with all the tools you will need to get started in your Landscaping Contractor Business along with plenty of customer service to help you through the challenges that arise along the way. But if you can not afford a franchise opportunity, financing options are definitely more limited but the low start up cost makes landscaping a relatively easy business to start up and operate.

Income potential

Only working part-time on the weekends and a few nights during the week, a Landscaping Contractor Business might see $ 40,000 to 60,000 in the first year of operation. Fully dedicated to the business and building it full-time, a person can easily see six figures in the second or third year of operation. If you have always loved working outside and are ready to get serious about self employment and taking control of your financial future, then consider becoming a Landscaping Contractor as the road to your dreams!