Tricone Bits or PDC Bits: Which Does Your Project Require?

Tricone bits, sometimes referred to as button bits, have been the go-to well drilling option for over 70 years. However, over the past 20 years Polycrystalline Diamond Compact (PDC) fixed cutter bits have seen a meteoric rise. The differences between tricone and PDC bits are significant, and this article aims to offer a brief overview of the differences between them and then outline the advantages of each. Keep in mind that many professional drillers, particularly when it comes to advanced drilling techniques such as directional drilling, have strong preferences about tricone or PDC. If there’s any doubt, listen carefully to the professionals who have evaluated the needs of your specific drilling operation; this article simply aims to provide broad guidelines regarding tricones use, and is not a substitute for a professional consultation.

The differences between Tricone Bits and PDC Fixed Cutter Bits

The most straightforward difference between Tricone and PDC bits is the moving parts used in tricones bits. Tricone bits consist of three “cones” which must all rotate on lubricated bearings. This lubrication in turn requires a grease reservoir and for any medium or large scale project some sort of bearing seal to prevent debris from entering the tricone and stopping rotation. Conversely, PDC fixed cutter bits are solid and consist of no moving parts. These are made by combining fine grained artificial diamonds and tungsten carbide under extremely high heat and pressure, as the metal cools the tungsten carbide shrinks more quickly, keeping the diamonds suspended in a matrix within the tungsten carbide. The specifics of this process are carefully guarded trade secrets.

Advantages of Tricone Bits

One of the largest advantages enjoyed by tricone bits is the length of time they have been around. This longer stretch of time has allowed the design and manufacture of tricone bits to advance significantly, incorporating advances in material technology such as Tungsten Carbide Inserts, or advances in engineering like sealed journal bearings. They are also easier to control in tricky situations, providing more options in regards to torque and Weight On Bit. They are also better for varied rock formations, especially for hard formations. The action of the individual rollers on a tricone bit serves to fracture the rock, making it significantly more flexible in terms of the range of formations one bit can be used on. One of the most important considerations on any drilling project is always cost, where all things being equal tricones tend to come out ahead. However, depending on the specifics of the drilling project there may be circumstances that let PDC bits pull ahead.

Advantages of PDC Fixed Cutter bits

The solidity and strength of these bits lends them many advantages that a tricone bit can’t match. Most significantly, PDC bits have a longer lifespan which means they don’t need to be replaced as often as tricone bits. That reason alone explains much of the shift towards PDC bits for large scale projects. Additionally they can achieve a higher Rate Of Penetration than other bits under optimal circumstances. These factors combined mean that in formations where the rock type is established and the correct bit is selected you can drill faster and further with a single PDC bit, bringing the cost per foot down below that of a tricone. Even though other bits may be cheaper up front, in the right kind of project that can take full advantage of the features of a PDC bit, you will wind up saving money in the long run by going with PDC bits. Lastly as tricone bits consist of several different moving parts, it is possible to lose part of the tricone in the borehole, a danger that does not exist with PDC bits.

Storage Shed Plans – 4 Massive Mistakes You Don’t Want to Make in Your Shed Planning

Things to consider when you Plan to Build a Shed

For individuals who need more space to be allocated for storage of various kinds of equipment, to build a shed may be the most feasible solution. You need to consider particular factors when choosing storage shed plans so you can construct a shed that will surely fit its purpose and will last and stay strong for a long duration of time. Taking these factors into consideration would certainly minimize the trials and errors as you build a shed.


If you want to build a shed, the foundation of the shed will greatly determine how long your shed will last. Building a shed on a weak foundation would eventually end up as a wasteful investment. An on-grade foundation is highly recommended to make sure that the base of the shed would be durable and strong. You can use solid concrete blocks or wood timbers that have had treatment with pressure. These wood timbers can be set directly at the ground. These wood timbers and concrete blocks are also known as skids. These skids should be leveled. The space of these skids should be close enough to one another to make the frame of the floor sturdy.

Solid concrete blocks instead of hollow wall blocks should be used. Hollow wall blocks are not advisable because they tend to crack easily. If you pick a good set of storage shed plans they will detail the types of permanent foundations which are necessary for larger sheds with a size of 200 square feet and above.


Wet and low-lying areas would not be good places to build a shed. You should check the site’s exposure to occasional rainwater runoff. If you detect an exposure, the blocks or the timbers should be set on 2 to 4 inches of gravel. This step is highly recommended as a prevention of and protection from erosion.

Protecting the wood

The worst enemy of wood is water. The accumulation of excessive moisture can bring detrimental effects to several parts of the structure such as the framing, doors, floors, and hinges. Excessive moisture can also cause the development of molds and mildew.

The lowest wood member used in the structure is called the mudsill. According to most good storage shed plans the mudsill should be placed at least 6 inches above the ground to prevent the accumulation of excessive moisture and to allow adequate airflow. Around the other parts of the shed, a minimum of 2 to 3 feet should be left empty. Do not build a shed too close to trees and walls that may block off the sunlight and wind. The sunlight and wind are beneficial in keeping the shed dry. A clearance space around the shed is definitely important.

Finishing touches

Applying caulk and paint are some of the common finishing touches storage shed plans will detail when you build a shed. These finishing touches are essential because aside from enhancing the look of your shed they also strengthen the durability and weather resistance of the structure. Customizing the shed to match and complement the look and aura of your house and of your garden is also possible.

These salient details are indeed very helpful, particularly for beginners in storage shed building. These information will serve as important reminders to help you with the success of your storage shed building.

Peterbilt Trucks – From Chain Drive to the Peterbilt 379

Peterbilt trucks are made by the Peterbilt Motors Company, which has its headquarters in Denton, Texas. The American truck manufacture was started in 1939 by then lumber entrepreneur and plywood maker, T.A. Peterman.

Peterbilt Trucks – The Early Years

Peterman was a man with a dream to get the truck business going stronger so he could get his logs to market easier and faster. At the time, Peterman was actually working towards that dream by rebuilding army trucks he bought at surplus, thus learning how to improve them. In 1938 he bought Fageol Motors in Oakland, California in order to use it to start making his custom made chain-driven trucks. The following year he started selling them to the public, which was the real beginning of Peterbilt Trucks.

During the 30s long haul trucking was becoming very popular. It was the Depression and many companies that built commercial trucks were losing ground and going out of business. That is how Peterman was able to get the Fageol Motors Company. Prior to his purchase of them, the company had been making heavy weight trucks and buses for 17 years.

Peterman built 14 trucks in 1939, but that number leapt to 82 the following year, demonstrating to Peterman that the trucking industry was definitely interested in the quality made trucks of Peterbilt. Peterman was famous for knowing exactly what the trucker wanted and needed because he sent his own engineers out to talk to truckers. They were required to know what the men in the field liked and disliked before designing a single new truck. Peterman also got the military contract during World War II to make heavy duty trucks. This helped him to get ready to re-enter the civilian market as well after the war.

After World War II, Peterbilt Trucks Marches Forward

Even death didn’t stop Peterbilt trucks. Peterman died in 1945. After his death, the company was inherited by Peterman’s widow, Ida. His wife promptly sold the company’s assets, but didn’t sell the property, to seven of the company’s managers with the thought of maintaining and building up the company. However, since she didn’t sell them the property, the new owners had to scramble for a new location several years later in 1958 when Ida said she was going to sell the land to build a shopping mall.

Due to this, the company changed hands and Peterbilt was bought by Paul Pigott, owner of the Pacific Car and Foundry. He built a brand new facility for the company in Newark, California, and in 1960 Peterbilt trucks were again being manufactured. Pigott kept the name even though he also owned Kenworth trucks and ran both companies. The ironic thing is that Peterbilt was his stiffest competitor, even though he actually owned both companies.

Peterbilt continues to grow strong

In 1960 Peterbilt put out 800 trucks and sales kept on increasing as more and more people began to trust and love the quality made trucks. The company was soon unable to make as many as the customers desired, so Peterbilt expanded to two manufacturing plants and built one in Madison, Tenn in 1969.

By 1973 Peterbilt was delivering more than 8,000 of its trucks and by 1975, it had opened up a version of Peterbilt in Canada. By 1980 it had another plant in Denton, Texas and by 1993 their headquarters was in California where it still is to this day. Denton become the sole manufacturing plant to build Peterbilt’s 362 COE model truck.

Peterbilt’s Truck Lines

Peterbilt lines originally had model numbers that started with a number 2, which stood for single axle models and a number 3 for those with a dual drive. However, by the late 1970s, they stopped doing this sort of distinction. Some of the more distinctive or well known models were:

– 200/265: This was a smaller truck that had a cab based on a Volkswagen MAN G90 and it is still being made in Brazil.

– 260/360: This is the actual first model of Peterbilt trucks.

– 280/350: This model was built between 1949 and 1957 and was known for its unique cycle style fenders in the front and having a long style grill that had vertical shutters on it.

-281/351: This version of the Peterbilt model of truck was made from 1954 to 1976. One of its main claims to fame is that a model 281 appeared in the Steven Spielberg 1971 movie, Duel, where an evil truck was trying to kill people. It was a 1950 year version of that model of the 281 Peterbilt truck.

– 282/352: This version of the Peterbilt trucks had a tilt-cab cab-over-engine and was the model that came out after the 351, which was a non-tilting cab-over style. It was called the Pacemaker after someone won a contest to name it and got a color television as a prize. The Pacemaker also was developed as a 352 model and won fame when it appeared on the Knight Rider TV show as the evil super truck named Goliath, as well as being the model that was being sung about in the truck song, Convoy.

– 358: This model was the company’s very first tilt hood style truck. It was sold until 1976.

– 359: This model of Petebilt truck was sold from 1967 to 1987. The 1100 series of these had a bulkhead style of door that is still in used today.

– 346: This is a very rare version of the Peterbilt brand and a mere 10 of these trucks were built from 1972 to 1975. It was meant to be used to mix concrete, or as a dump truck or snow plow type truck.

– 348: The model 348 was sold between 1970 and 1986 and had a sloped fiberglass hood for better visibility. It was the first fiberglass hood Peterbilt made.

– 353: The 353 replaced flat fender models and instead had pit style fenders. It was used in construction.

– 387: The 387 Peterbilt trucks were also made in 1976 to 1987. It had a heavy weight frame, flat fenders, undercab steps, big bumper and was used to carry coal.

– 362: The 362 became the Peterbilt flagship truck in 1981. It had two kinds of windshield wipers, one was a one-piece center style and the other had either three or two wipers. It also introduced a front axle that was set back and had longer springs in the front. The last one was made in 2005.

– 372: This Peterbilt model is considered the one that is the most aerodynamic, the cab nose piece can be flipped forward so that it is easy to do maintenance on it. It was made from 1988 to 1993. It’s said that it has a sort of Darth Vader like look because it looks somewhat like a helmet shape.

– 377: This model incorporated some headlights into the fenders and was also considered aerodynamic. It was made with a front axle that was set forward, as well as one that was set back. It was made from 1987 to 2000.

– 378: This Peterbilt truck had a steep fiberglass design on its hood and came as a front axle that was set back in its design. It was popular for over the road, as well as local trucking.

– 357: The 357 was similar in style to the 378, but was more of a heavy weight than it was. This is because it was designed for construction. It also came with flat fenders, a new style of hood and grill that it had put on in 2004.This vocational style hood was created for clients who wanted front engine power. It was very popular in the heavy haul trucking industry.

– 385: The 385 model was made between 1996 and 2007. It was meant to be a competitor to a truck put out by the Freightliner brand, the FLD.

– 379: Between 1987 and 2007 this was Peterbilt’s main flagship truck. A claim to fame is that Autobot leader Optimus Prime was shown as a 1997 Peterbilt Model-379 Extended Hood truck in the Transformer’s movie.

– 389: this model ushered in some of the changes in Peterbilt models to make them compliant to 2007 EPA standards.

Many more styles and models of Peterbilt trucks have come out since this time and the company is still going strong with many truckers desiring to drive and or own a model of the legendary Peterbilt Trucks.

Popular Advertising Medium – Sandwich Boards

When it comes to promoting the products and services of a business, especially small and new, sandwich boards prove out to be one of the best advertising mediums, under any business environment. This is not just because these promotional boards are economical but also because they have a unique potential of attracting interested customers and creating brand awareness.

Also known as sidewalk signs or display boards, these promotional boards can be easily termed as an economical option for mass scale advertising primarily for attracting local customers. Since these boards can be easily customized and the message to be conveyed can be changed in a few minutes, they prove to be an excellent choice to enhance the visibility of a business with low advertising budget.

One of the other good things about sandwich boards is that no special permits for placement are required, unless the laws of a country specify otherwise (which is surely an extremely rare sight). The other good thing about a sandwich board is that it can be very effective for a small business or store based in the depths of a shopping complex or mall. Moreover, a business may opt for displaying the same or a different message on the two sides of the board that surely means additional promotion for the business without incurring any additional cost.

The list of advantages linked with sandwich boards does not end here. Usually, these boards are made from high quality polyethylene that is resistant to water, dirt, and extreme weather conditions. If that is not all, a sandwich board has the potential of attracting attention of passersby from multiple directions at the same time and is therefore one of the best mediums to promote a business organizing sales, promotions, and open houses. In addition to this, sandwich boards can also be used to offer directions to reach the business premises or store along with contact information such as phone numbers.

If you want to buy sandwich boards for your business or store, you can simply go online to save valuable time, money, and other resources. This will not only help you buy sandwich boards with just a few clicks but you will also be making the payment using safe and secured payment options. However, it is very important for you to purchase these promotional boards only from a reputed board seller so that you can always be assured of the quality aspect.

Optimizing Websites to Boost Website Sales and Conversion Rate – Eye-Opening Listings

Conversion Rate Optimization

Conversion Rate Optimization is the process of improving the percentage of your website visitors who convert into customers.

You receive website traffic from many channels of your product and services, each channel should have the relevant landing page and supporting elements which make the visitor feel comfortable and fulfill your conversion goals. Conversion Rate Optimization services implemented by analyzing your traffic sources, landing page relevancy and other key elements on your website.

Elements of Conversion Rate Optimization

1. Website Traffic Analysis

Analyzing your website traffic and user navigation pattern is the key step of CRO service. For effective performance in digital marketing, you need to identify your target audience by demographics, age, gender and online advertising platform (AdWords, Facebook etc.) to engage with them.

The website should have user-centric design and relevant content on each page. With the web analytic tool we get to see key entry pages and exit pages with their bounce rate, we optimize website elements on these pages to bring down the bounce rate.

2. Website Architecture and User Experience Testing

Website design starts with a wire-frame to place website components on prominent places with streaming your conversion goals. Website should have user-friendly design with easy navigation structure with relevant content and responsive designs across all devices such as mobile, desktop, tablets etc., Website wire-frame should be very well structured for the visitors for streamline navigation, you need to highlight your products or services for easy accessibility while others information should be nested as supporting information, all these together makes visitor feel comfortable and shows more interesting in your products and services and turn out to be your next happy customer.

3. Branding

Branding is the essential and basic foundation for your business to differentiate from your competitors. Brand awareness greatly influences your audience and increasing prominence of your business and it also helps to grab the attention of existing customers and potential audience. Branding should have the strong presence in all possible online marketing channels such as Search and Display advertising campaigns, a strong brand presence that can make the significant impact to your digital marketing efforts.

4. Landing Page Optimization

Landing Pages are quick conversion boosters, which focus on generating leads or selling products with high conversion rates.

A landing page is part of the website which appears when a visitor clicks on your ad through your digital marketing campaigns. Landing pages are very important for your digital marketing success. Dedicated landing pages designed for the specific marketing campaign. Landing pages are very effective as they only present one action for a visitor to complete.

If you want to get quick results without spending much time on redesigning present website design, then you and get started with Landing Pages for key products and services for better conversion rate.

5. A / B Testing

A / B testing is the comparison of two versions web pages or landing pages to see which one is performing better. The comparison is done by showing two variations among the traffic at the same time and the version which giver better conversion rate will be taken up. You need not spend additional budget for A / B testing, you can get more out of existing budget, even small change in landing page element such as title, text copy, call-to-action button, the color scheme can make significant changes in conversion rate.

Elements to test:

  • Headlines
  • Sub-headlines
  • Text
  • Call to Action Button
  • Images

6. Web-Only Ads

If your site is missing on major search engines like Google, Yahoo, Bing etc, then you are potentially missing the potential opportunity with the people who looking for your services. By investing in Digital marketing from experts you can drive huge traffic to your site with prominent search terms.

Web-Only Ads are prime components of your digital marketing campaigns, as the name implies these ads used only on the web to influence potential visitors across the web.

There are many types of web-only ads according to your marketing strategies you need to choose appropriately.

  • Text Ads
  • Image Ads (Static / animated)
  • Video Ads

Websites get amazing results in just 30 days with these optimization tips.

12 Aspects of Any Speaker’s Semantic Knowledge You Should Know

Semantics is a branch of Linguistics which studies the meaning of language and it tries to understand what meaning is as an element of language and how it is constructed by language as well as interpreted, obscured and negotiated by speakers and listeners of language. We as speakers of a language have an implicit knowledge about what is meaningful in our language. In our account of what that knowledge is, there are at least twelve technical terms used as aspects of our semantic knowledge: polysemy, homonymy, anomaly; paraphrase; synonymy; semantic feature; antonymy; contradiction; ambiguity; adjacency pairs; entailment and presupposition although it is not possible to expect that we can clearly define all the words we know or use, but the obvious thing is that we can make our thoughts and feelings and intentions known to other speakers of the language and can understand what others say.

This ability requires possession of a vocabulary and for us as speakers to know how to pronounce every item in this vocabulary and how to recognize its pronunciation by other speakers. We know how to use the production vocabulary in meaningful sentences and to understand the sentences produced by others. And of course we know meanings-how to choose the items that express what we want to express and how to find the meanings in what other people say.


We can know that a word is polysemous when it has two or more related meanings. In this case the word takes one form but can be used to mean two different things. In the case of polysemy, these two meanings must be related in some way, and not be two completely unrelated meanings of the word, e.g.: bright (shining) and bright (intelligent). mouse (animal) and mouse (computer hardware).


Homophony is similar to polysemy in that it refers to a single form of word with two meanings, however a word is a homophone when the two meanings are entirely unrelated, for example:

Bat (flying mammal) and bat (sports equipment).

Pen (writing instrument) and pen (small cage).


We know, in a general way, whether something is or is not meaningful in our language and we can tell which of the following are meaningful in English.

3a Grace wrote a letter. 3b Henry smiled. 3c The grass laughed. 3d a Wall Harry painted.

We can see that 3a and 3b are meaningful to speakers of English, while 3c and 3d are anomalous (examples of anomaly), they are generally accepted to be correct while sentence 3c appears to be meaningful and it might attain meaning in some children’s story or the like, while 3d is merely a sequence of words.


The following first and second pair sentences have essentially the same meaning and when they do not such as in the following sentences:

4a Agnes arrived before Ruth. 4b Ruth arrived before Agnes.

4c Agnes came home after Ruth. 4d Ruth came home later than Agnes.

Sentences that make equivalent statements about the same entities, like 4a and 4c, or 4b and 4d, are paraphrases (of each other).


We generally agree when two words have essentially the same meaning-in a given context. In each sentence below one word is underlined. Following the sentence is a group of words, one of which can replace the underlined word without changing the meaning of the sentence.

5a Where did you purchase these tools?

use buy release modify take

5b At the end of the street we saw two enormous statues,

pink smooth nice huge original

Words that have the same sense in a given context are synonyms-they are instances of synonymy and are synonymous with each other.


We recognize when the meaning of one sentence contradicts another sentence. The sentences below are all about the same person, but two of them are related in such a way that if one is true the other must be false.

6a Edgar is married. 6b Edgar is fairly rich.

6c Edgar is no longer young. 6d Edgar is a bachelor.

Sentences that make opposite statements about the same subject are contradictory.


We generally agree when two words have opposite meanings in a given context. We are able to choose from the group of words following 7a and 7b the word which is contrary to the underlined word in each sentence.

7a Betty cut a thick slice of cake. 7b The train departs at 12:25.

bright new soft thin wet arrives leaves waits swerves

We see two words that make opposite statements about the same subject are antonyms; they are antonymous, instances of antonymy.

Semantic Features

We know that synonyms and antonyms have to have some common elements of meaning in order to be respectively the same or different but words can have some elements of meaning without being synonymous or antonymous for example:

8a street lane road path house avenue 8b buy take use steal acquire inherit

The common element of meaning, shared by all but one word in 8a and by all but one item in 8b, is a semantic feature. We should all agree that in each of the groups of words above, 8a and 8b, all but one of the words have something in common and we know which is the word that doesn’t belong.


When some sentences have double meanings, they can be interpreted in two ways. We are aware of this fact that there should be two-way interpretations, like the following.

9a Marjorie doesn’t care for her parakeet. ((doesn’t like it; doesn’t take care of it)

9b Marjorie took the sick parakeet to a small animal hospital. (small hospital for animals; hospital for small animals)

One of the aspects of how meaning works in language is ambiguity. A sentence is ambiguous when it has two or more possible meanings, but how does ambiguity arise in language? A sentence can be ambiguous for either of the following reasons:

Lexical Ambiguity: A sentence is lexically ambiguous when it can have two or more possible meanings due to polysemous (words that have two or more related meanings) or homophonous (a single word which has two or more different meanings) words.

Example of lexically ambiguous sentence: Prostitutes appeal to the Pope. This sentence is ambiguous because the word ‘appeal’ is polysemous and can mean ‘ask for help’ or ‘are attractive to’.

Structural Ambiguity: A sentence is structurally ambiguous if it can have two or more possible meanings due to the words it contains being able to be combined in different ways which create different meanings.

Example of structurally ambiguous sentence: Enraged cow injures farmer with axe. In this sentence the ambiguity arises from the fact that the ‘with axe’ can either refer to the farmer, or to the act of injuring being carried out (by the cow) ‘with axe’.

Adjacency pair

When a question and an answer, or any two utterances, can go together in a conversation and the second is obviously related to the first, they constitute an adjacency pair.

10a When did you last write an article?

Ten minutes ago. Last Tuesday. Very nice. Around noon. I think it was on the first of June.

10b There’s a new film at Studio 21 tonight.

So I’ve heard. What’s it called? When did it open? So do I. Are you sure it’s a comedy?

The ability to cope with adjacency pairs is considered as part of any speaker’s implicit knowledge.


We are aware that two statements may be related in such a way that if one is true, the other must also be true as in the following examples of entailment.

11a There are apples in the fridge.

11b There are fruit in the frigde.

11c The ladder is too short to reach the roof.

11d The ladder isn’t long enough to reach the roof.

We assume that 11a and 11b are about the same garden, the truth of 11a entails the truth of 11b, that is, if 11a is true, 11 b must also be true. Likewise, assuming the same ladder and roof, the truth of 11c entails the truth of 11d.

There are two kinds of entailment: mutual entailment and asymmetrical entailment. In mutual entailment, each sentence must be true for the other to be true, e.g.: John is married to Rachel’ and ‘Rachel is John’s wife’, ‘Chris is a man’ and ‘Chris is human’, while in asymmetrical entailment, only one of the sentences must be true for the other to be true, but that sentence may be true without the other sentence necessarily having to be true, for example: ‘Rachel is John’s wife’ entails ‘John is married’ (but John is married does not entail Rachel being his wife), ‘Rachel has two brothers’ entails ‘Rachel is not an only child’ (but Rachel not being an only child does not entail Rachel having two brothers).


We know that the message conveyed in one sentence may presuppose other pieces of knowledge. For instance, if 12a is accepted as true, 12b-12e must also be accepted as true.

12a Evan usually drives his Toyota to work.

12b There is a person named Evan.

12c Evan works.

12d There is a Toyota that belongs to Evan.

12e Evan knows how to drive a car.

The meaning of sentence 12a presupposes what is expressed in 12b, c, d and e. The latter are presuppositions of 12a. Note that a presupposition does not establish the truth of anything. Sentence 12a is meaningful as it is, but it is true only if there is a person named Evan, who works and owns a Toyota, etc. The sentence is presented as if there is a person named Evan.

In summary, the above 12 terms are introduced to show the latent knowledge that we have about our language, the general implicit knowledge that we have about meaning in our language. We can deal with them successfully, we differ considerably, and circumstances differ considerably, depending on the way we individuals behave in a given situation or context, it does not necessarily indicate what our deeper competence is, there are personality factors involves such as willingness to cooperate, memory, attention, recent experience which much influences our performance.

125 Action Statements and Power Phrases

1. If you’re having a tough time getting by on your salary now, how well do you think your family will get by without it?

2. The only thing worse than a home without a mother is a mother without a home, isn’t it?

3. You can say, “I don’t need it”, but can you say “my family won’t need it”?

4. The most valuable asset that a father can leave his children is their mother’s full time care, isn’t it?

5. More good things are lost by indecision than by wrong decision, aren’t they?

6. Someone always pays for life insurance, whether a man buys or not; the question is, who….the man or his family?

7. You say come back in September… But whom should I ask for if you’re not here in September?

8. The difference between an old man and an elderly gentleman can be a decent income can’t it?

9. Wives may not believe in life insurance, but widows always do.

10. Life insurance is a shield to meet the blow that you can’t see coming isn’t it?

11. You would certainly give your life for your children, so why not insure it for them?

12. Have you ever met a widow who said that her husband had too much life insurance?

13. Life insurance is the only plan that will guarantee a known sum at an unknown time.

14. You haven’t needed it (life insurance) yet? Do you carry a spare tyre in your car? Do you own an umbrella? Do you check for the parachute in the aeroplane?

15. The worst time for a wife to become a breadwinner is when she first becomes a widow.

16. If you wouldn’t like to live the rest of your life on the face amount of your present insurance, how do you expect your wife to?

17. Income is provided for a widow or by her isn’t it?

18. Losing a father is bad enough, inheriting a part time mother makes it worse, doesn’t it?

19. You can put me off, but you can’t put my competitors off – death and disability.

20. Life insurance won’t keep people from dying, but it will keep their plans from dying with them.

21. Any partnership that operates without a proper buy/sell agreement is living on borrowed time.

22. It isn’t easy to be old or poor, but it’s a great deal worse to be both.

23. You finish the job if you live; we finish the job for you if you die, become disabled or long term sick.

24. Whatever reason you may have for not starting this plan now will only sound ridiculous to your widow.

25. Just because you stop working doesn’t mean you stop loving your wife, children & grandchildren. That’s why you have permanent life insurance isn’t it?

26. Would you like to buy your parents interest in the company for less then 5 cents in the dollar?

27. Partnerships are like a seesaw. One man gets off the other falls off. Is your business succession plan like that?

28. It’s better to use insurance to protect the partnership because while you will pay $1,000,000 for your partners share you really pay very little for the $1,000,000, don’t you?

29. No person ever dies at the right time, do they?

30. A person needs credit to live, but their family needs cash when they die, don’t they?

31. You may last longer than your money

32. Tell me, how will you treat all your children equally in your will?

33. No debt should last longer than the person who created it, should it?

34. If you buy insurance or not, in the end someone will pay for it.

35. Life insurance is time. The time you might not have. If you need time you need life insurance.

36. Your wife should be left something that will take care of her – not something she will have to take care of, shouldn’t she?

37. Have you a plan to pay for capital gains tax or will you let the family sell assets to cover your oversight?

38. A professional loans their educated brain to create income for their family to live on. Unfortunately the brain is not a going concern. When it terminates, so too does the income it generates.

39. No has always been the first two letters of nothing. I have never liked what nothing implies. Would I be right in assuming that you do not like the meaning of no either?

40. In the final analysis, all you can leave your wife with is “the dignity of choice” isn’t it?

41. If you had a goose that laid golden eggs, would you insure the eggs or the goose that laid them?

42. If you can save as much money in the next five years as you have in the last five years, will you be satisfied?

43. Life insurance? Anybody who doesn’t believe in it ought to have the right to die without it at least once.

44. Sometimes the biggest price in the world is doing nothing. A lot of people do nothing wrong; they just do nothing. That’s what’s wrong.

45. What formula did you use to arrive at the amount of life insurance you have at the moment?

46. What percentage of your income in a lump sum would you like to leave your wife and children?

47. If your partner became permanently disabled or long term sick, how long would you be willing to do 100% of the work for 50% of the profits?

48. If it were free how much insurance would you like?

49. Do you know anyone who has died who had too much insurance?

50. If you were to die because of some one else’s negligence, how much would you want your family to sue for? Should they have any less if you die by other means?

51. Do you have trouble accumulating money and keeping it?

52. What type of lifestyle would you like when you retire? What type of lifestyle will you have if you are forced to retire because of ill health?

53. If you were not here could you pay for all of your children’s higher education or just a percentage of it?

54. What assets would your executor have to sell up to allow your wife and children to keep living in their current lifestyle?

55. Are you aware of your most valuable asset and do you know how much income it is capable of producing in your lifetime?

56. What would happen to your estate if you had died last night?

57. You and your wife together can handle debt, but can she handle debt by herself?

58. Would your executor be embarrassed by the lack of liquidity in your estate?

59. Long term insurance is a good idea in retirement. Just because you retire doesn’t mean you stop loving your family or their need for estate equalisation.

60. Life insurance is like a parachute in an aeroplane. If you ever want it and have not got it, you will never need it again.

61. At no time in life is a wife less able to become a bread winner than when she first becomes a widow.

62. One ordinary father can support four children, but it takes four extraordinary children to support one father

63. A life insurance person brings no financial problem to any prospect, they only bring the solutions.

64. If every wife knew what every widow knows, every husband would be insured for more, wouldn’t they?

65. I can understand your hesitation to pay the $800 premium. You may feel that you are making a mistake. Would you rather make an $800 mistake or a $250,000 mistake?

66. If you suffered a traumatic illness or serious accident would you sooner lose your home or your mortgage?

67. Do you have a family debt extinguishable fund?

68. If you were permanently disabled which assets could your partner sell for full value?

69. Are your debts “good” debt or “bad” debt?

70. “Your price is too high!” Is that if you take the cover, or if you don’t?

71. Do you want your bank to have first call on your estate?

72. If your family was in Financial Free Fall, wouldn’t it be nice to know we could provide the Parachute?

73. If you weren’t here, who would you want to take care of your obligations?

74. Who do you want to inherit your debt?

75. What other assets are instantly created for your family and estate if you die?

76. Tell me what you want to leave out of your debt reduction program. Is it the capital redemption or the promises to your children that their mother may not be able to keep?

77. Which is harder for a widow? Being unprepared or being unfunded?

78. Do you see your family being disadvantaged by the unknown or being disadvantaged by being unfunded?

79. If I could deliver you a guaranteed amount of money for a specified event at an unknown time in the future, would you be interested?

80. We don’t have a choice about good luck or bad luck, do we? It just happens!

81. Your insurance should compensate for an event, not encourage it’s occurrence

82. If life cover was FREE, how much would you want to take?

83. If you became long term sick or permanently disabled, which would you sooner lose, your house or your mortgage?

84. If you knew you were going to die tomorrow, how much insurance would you demand of me?

85. You don’t buy insurance because some one may die; you buy it because families and people keep on living, don’t you?

86. If you don’t protect your income, how will you be able to pay for or afford your other insurances?

87. Even if a couple become divorced or separated, the ex-partner will not see another maintenance payment should the income earner die. How will that affect your children?

88. How would your family be affected if you couldn’t work for 2 years?

89. Which is more important to your wife? The size of your overdraft whilst you’re alive and well or getting rid of the overdraft when you are not here or are unwell?

90. Are you leaving your family an asset or the asset and a liability?

91. What is your gross estate value? What is your net estate value?

92. Are you aware that your children stand to lose two parents if your partner is forced to go back to work after the death of a spouse?

93. How big a reduction in your income could you absorb/sustain if you became disabled?

94. If you were totally disabled yesterday how much would you need to clear your debt?

95. If you were totally disabled yesterday how much capital would you need to produce the income you have now?

96. Modern medicine is saving lives, but it is converting death to disability : long-term economic death. As important as you are, do you know anyone who will pay you an income for the rest of your life should you become disabled?

97. This plan will pay 75% of your salary when no one else will

98. Your family’s outcome relies on your income

99. Earned Income is an extremely delicate and easily destructible asset subject to three hazards; death, early retirement and long term disability. It can be compared with a 3-legged stool; if one leg gives way, the whole stool topples over.

100. Saving your life shouldn’t mean losing your savings

101. Income Protection benefits are Dollars of Dignity. They mean not having to beg, diminishing reliance on charity, not having to borrow (if you still can), sending your spouse or partner out to work, asset sell off, capital erosion or life style down grading.

102. Doctor, have you ever heard of a physician being pensioned by his patients when he was laid up from accident or sickness?

103. (I can’t afford it.) If your salary was cut by $10 per week would you quit your job?

104. (See me later). Before we plan a later date Mr. Prospect, wouldn’t it be eminently sensible to see if you qualify first?

105. Of course you are right, you do realize that life insurance can provide capital to earn income from after you have passed away. But what if you are seriously injured and don’t die?

106. Naturally your superannuation will provide you with an income when you retire. But what if you have to retire early?

107. Comparing the number of doctors to the number of undertakers in the phone book, will give you an indication of the number of unwell people requiring attention compared to the lesser number of deaths requiring attention.

108. You are aware that the biggest gamble your partner and family can ever take is on you. Why not minimize the risk with an income protection plan?

109. Would your bank manager pay off your mortgage if you had a heart attack?

110. If a sole proprietor tells you his business will run itself while he is off, then ask him why he is not at the beach or on the golf course every day instead of enjoying himself

111. Life insurance pays when you die. But what happens if you are only 1/2 dead?

112. Can you guarantee immortality?

113. Did you know that insurance can now be paid on diagnosis of specific diseases and insurable conditions?

114. Do you want your family to have to sell their house if you became disabled or long term ill?

115. What happens if your money machine breaks down?

116. People are money machines. They produce income called money. When the machine breaks down is destroyed or fails to operate the income stops.

117. Did you know there are two ways to make money? People at work and money at work. Money at work is a whole lot easier isn’t it?

118. You have an accountant and a solicitor, but do you have anyone whose responsibility it is to deliver money in the event of a death, disability or long-term injury or sickness?

119. If you were not here what percentage of your children’s higher education would you like them to have?

120. What would happen to your estate if you had died last night?

121. Who would you like to serve as guardian and trustee for your children if you and your spouse died?

122. If the entire family dies in a disaster, to whom do your want you estate to pass?

123. “Whatever the dollar’s future value, the man who has one will be better off than the man who doesn’t.”

124. “You say you have trouble living within your income — consider living without your income.”

125. Ask upfront “What has been the major problem you have had with my industry in the past that I would need to be aware of as we build a relationship together?”

Top 5 Online RSS Readers For Your Convenience

RSS feed reader are very popular among the frequent users of the internet. Almost all of us that are frequently browsing many different sites on the internet would like to be updated on daily basis for the sites that we frequently visit. This will enable us to get the information immediately it is posted on the site. With readers installed we will be able to browse the updated on different sites on one window without opening the sites. This can online be completed is you have an RSS reader. Readers can be installed on your computer or be accessed online free of charge.

There are many online RSS reader however below some of the top 5 online RSS readers available online today.

Google Reader: this reader is owned by the giant online search engine Google. I f you have a Gmail account you will also have access to the reader. There are many tool s that I could list but the best that I will advise you is to sign in and check the guide that is there.

Apart from reading the feed you can also share the feed with others in this reader.

Bloglines: Another giant in the line of the readers. Bloglines, has been there for a long time before all the Readers were there. It has a clean look that makes it easy for the user to follow through. Apart from the look on the reader it also has perfect keyboard shortcuts.

There are also an option to add articles to your blog and even email them to your friends. This makes it another perfect tool for information sharing and distribution.

Apart from these top two there three others that are also almost the same in the look and features with the above mentioned. They also have been in use for long time now though not very famous. These are




Arthritis Treatment: Tibiofemoral Osteoarthritis, Diagnosis and Treatment

The most common presentation of osteoarthritis of the knee (OAK) is involvement of the tibiofemoral joint, the space between the femur (upper leg bone) and the tibia (the larger of the two lower leg bones.)

These are the two surface areas that contain the largest amount of hyaline cartilage inside the knee.

As mentioned earlier, hyaline cartilage is the “harder” of the two type of cartilage within the knee. Hyaline cartilage caps the ends of the long bones inside the joint while fibrocartilage, a softer more pliable cartilage is represented by the medial and lateral menisci of the knee. These are semicircular piece of cartilage that give added protection to the hyaline cartilage when it comes to shock absorption, gliding, and rotation.

Symptoms of OAK typically consist of stiffness, swelling, buildup of joint fluid, and tenderness along the joint line. Over time the ability to bend and straighten the knee will be compromised as well. While one compartment, either the medial (inside) or lateral (outside) compartment of the knee may be affected more than the other, often both compartments are affected. This causes diffuse pain.

The diagnosis can be suspected clinically by history and physical examination. It can be confirmed by positive changes seen on standing knee x-rays. Magnetic resonance imaging (MRI) is much more sensitive to changes of OAK which will consist of cartilage defects, bone edema (swelling), and fluid.

The typical treatment regimen is aimed at pain relief and maintenance of function.

If the patient is overweight, weight loss is a must. Regular exercise consisting of low impact aerobic exercise, resistance exercise, and stretching are components of a common-sense program for a patient with OAK.

Addition of non-steroidal-anti-inflammatory drugs taken either orally or given as a topical agent may also be used.

Removal of excessive joint fluid followed by Injections of glucocorticoids (“cortisone”) are helpful for symptomatic relief. Glucocorticoids have a deleterious effect on articular cartilage and should be used sparingly, no more often than three times per year in a given joint.

The patient may also benefit from viscosupplement injections. These are substances consisting of hyaluronic acid which mimics the characteristics of normal joint fluid. These injections can also help provide symptomatic relief.

All injections need to be administered using ultrasound guidance to ensure accuracy.

Surgery is defined as being cartilage sparing or cartilage sacrificing. Cartilage sparing procedures involve osteotomy- removing a wedge of bone in order to line the knee joint straighter. This is used in young active adults to buy time. Cartilage sacrificing procedures refer top joint replacement. The trend recently has been for patients to get these operations done at a younger age. The downside is that these surgeries are associated with a small but real risk of severe complications including infection, blood clots, and death.

An option that is being proven to be an alternative is the use of autologous stem cells, a patient’s own stem cells to help sustain and possibly regrow cartilage in an osteoarthritis knee.

(Wei N, et al. Guided Mesenchymal Stem Cell Layering Technique for Treatment of Osteoarthritis of the Knee. J Applied Res. 2011; 11: 44-48)

Kitchen Design Ideas

Kitchens have so many design options that they are literally never ending. Kitchen design ideas include features such as cabinetry, tiles, counter tops, appliances, hardware and fixtures. Each feature on its own has a multitude of design options and the possible combinations are endless. Two identical kitchens with only one different feature can look like very different kitchens when finished. Because of the vast number of design options, thoroughly research what products are available on the market and get a fairly good idea what it is you are looking for.

The main feature in any kitchen is the cabinetry. It is more often than not the first thing that people notice in a kitchen. The layout of the cabinetry is unique to each kitchen. Measure the size of your kitchen and determine the types of cabinets and where you would like them placed. If you have a solid wall with no windows, doors or appliances opt for floor to ceiling cabinets full of drawers for storage. Include a broom or cleaning closet in these cupboards. Glass fronts in corner cabinets are a popular design feature. Cabinets have a wide variety of door styles. There are recessed, flat paneled and raised cabinet doors. Each of these options comes with several design choices. Once you have picked the design of your cabinets you need to decide on the stain that suits your kitchen space. Opt for lighter colored stains for smaller kitchens to keep them feeling open and spacious.

Counter tops are also an important feature in a kitchen. They too are highly visible. Counter tops should be chosen for durability as well as looks. Granite counter tops are the most popular choice today. You may also choose from engineered stone, ceramic tile, laminates, wood and stainless steel. The material and colour of your counter tops should compliment your cabinetry, backslash and tiles. If your kitchen is a large room but does not have a lot of counter space you might want to consider adding an island for additional space. Not only does an island adds counter space but also storage space.

Flooring is an integral kitchen feature. Most kitchens are done with ceramic tile flooring but wood floors and laminates are growing in popularity. Many kitchens have tiled backslashes. Be sure that the tiles used in your backslash compliment the flooring. Besides the type of flooring you use, you must also pick a color of tile, wood or laminate as well as texture. Quite often a kitchen with light coloured cabinetry will look best with a slightly darker floor and vice-versa. Contrast between the cabinetry and the flooring, no matter how small, creates the illusion of depth.

The kitchen design ideas listed above are just the tip of the iceberg. We haven’t even touched on cabinet hardware, lighting fixtures, sinks and taps, paint colors or appliances. Matching appliances are ideal in any kitchen. Stainless steel appliances are a favorite because they match just about any kitchen design. Families with small children may wish to consider black appliances since stainless steel shows fingerprints. Put as much thought into the small features as you do the larger ones. Something as simple as buying the wrong cabinet hardware can ruin the look of the completed project.

How to Repair an Old Asphalt Roof

If you own an old commercial building with a flat roof odds are you have an old asphalt roof of some type. These roof surfaces are made up of layers of felt paper and tar stacked up on each other, which over the years it will or it has given you a lot of headaches. They are usually made of felt paper or felt paper that is covered with a layer of gravel, the gravel in theory was to help keep the roof cooler which it does a little but it makes repair much more difficult, not to mention all the additional weight that is added to your roofs stability.

One of the biggest problem with asphalt surfaces is that they dry up and shrink which eventually leads to cracking and this will cause your roof to leak. When this occurs you will notice that the roof surface may look a little like an alligator skin. In order to keep your asphalt roof in good condition it must be maintained. To accomplish this you should have your roof re-coated with an asphalt based coating at least once every five years or so, if you don’t it can lead to expensive and time consuming repairs. Over the years your roofs crucial oils are weathered out of the roof surface and it must be restored to maintain integrity, if you have areas with standing water then the process speeds up and your roof will fail in that area most likely first.

If you are on of the unfortunates owners of a gravel roof then you can have even bigger problems. Gravel was put on in a time when it was thought it would be beneficial to help reduce the roofs temperature with cheap gravel, it worked a little but not very much. Gravel roofs undergo the same problems as a regular felt roof but the leaks and standing water areas are much harder to spot. Another huge problem is maintaining the roof, in order to do a maintenance coating all the gravel must be removed. Sounds easier than what it is, you should contract out a gravel suction company to complete this task, but if you are feeling like you need a good workout a few flat shovels and a broom will do the job as well.

Another problem that asphalt roofs face are blistering problems. Blistering occurs when moisture works it way in between the roof layers and expands forming a huge gas pocket, eventually these pockets will expand to a breaking point and crack open, thus leaving you with a hole in your roof. If you have blistering problems you must cut them open with a cross cut so you can fold back the edges and fill them in with roof cement, then fold the cut edges back over the cement thus resealing your roof.

There are a few types of roof coatings that can be used to remedy and repair your roof problems. The most commonly used are asphalt based but if you want a better longer lasting coating you should consider using a elastomeric roof coating, they are much more durable, more energy efficient and longer lasting than asphalt coatings.

Asphalt coatings are generally black or silver in color and have a life span of about five years if applied correctly. They are generally the cheapest of the roof coatings but if you decide to go with this system be sure to purchase ones that are fiberglass embedded, they are much better at stopping and repairing leaks.

Elastomeric coatings are generally white in color and have a life span of 10 to twenty years, there are a few with a 20 year warranty as well, but they are very expensive. Elastomeric roof coatings work very well especially when combined with fiberglass mesh system as its base.

Am I Kettlebell Material?

One of the common questions that I get on a day to day basis is; "Am I kettlebell material?" This is a good question and for all of you wondering I am going to provide a logical answer. The answer is a definite YES, as long as, you fall under a certain amount of criteria that I will lay before you in this article.

First of all, you must be open to changing your mindset from a bodybuilding one to a fitness and performance mindset. This is what is involved when training with kettlebells. This type of workout is a very intense style of training which integrates many muscles at once in order to promote significant fat-loss and terrific total-body performance. You must also have patience and be willing to listen attentively and learn new techniques that actually include you having to have an understanding of your own body. This is what makes you better than anyone else in terms of being fit when using the bell rather than using just about any other piece of equipment or training tactic.

You must also be willing to practice the same techniques sometimes over and over to get the correct pattern to ensure the execution of a proper lift. This will improve your form and reduce the risk of you injuring yourself. If you are considering kettlebells and you really want to make the leap then tell yourself that you are kettlebell material, as long as, you are willing to follow the criteria that I have issued for you here.

Remember to practice flawlessly and often my friends. To be the best you have to put in the time!

Amazing Faux Granite Paint Finishes – A How to Guide

By using a layering process with spray bottles you can easily create incredible faux rock painting effects. There is a little more to it than simply spraying paint onto whatever it is you are painting – to get a realistic faux granite finish there are a few key steps to remember:

1) Water down your paints

2) Choose complimentary colors

3) Allow time to dry between layers

4) Always finish with black

If you follow these four steps you are sure to create realistic looking granite colors. Once you have mastered this art of faux rock painting you will be amazed at how realistic you can make a two dimensional surface like a wall or a concrete floor – just think of the 3-D results like making artificial rocks with concrete.

Water Down Your Paints

The type of sprayer you use will depend largely on your budget, but for most people trying their hand at faux granite painting would likely use regular hand held spray bottles like normally used for water. There are available everywhere and relatively cheap. The down side of these sprayers compared to more expensive pressurized models is their inclination to clog or spray in less desirable splotches as opposed to a fine mist which is preferred.

By watering down the water based paints you are using you can get most sprayers to pump them. A mix of 3 parts water to 1 part paint as the minimum is a good starting point for trying your mixture. Practice adjusting the stream of your paint into a bucket to get as fine a mist as possible before painting your subject matter.

Choose Complimentary Colors

To create a realistic looking faux rock pain finish you need to decide which color you want your subject to be overall. This is usually gray, red, light brown and dark brown which are the most common faux rock color choices. If you were to choose light brown as the color for your rock you will need to have at least two or three different shades of brown to use. Since you want a light brown coloured rock you would start with the light brown applying a heavy misting layer to cover at least 80% of the total surface.

Be sure not to have the paint drip or run. You can apply two coats of the same color one after another to avoid the paint running. Once the main base layer has been applied the remaining layers are all painted in a much lighter – misting fashion.

In addition to the light brown, and then a light misting of dark brown, you will want to add two or thee highlighting colors which you will apply sporadically to your subject. These highlighting colors are usually blue, red, yellow, tan, orange, gray and green and are intended to provide inconsistency and depth overall. Not every color goes well together and you must learn and practice to develop a strong feel for color combinations.

Allow Time To Dry Between Layers

By allowing the paint to dry in between layers you can create a much more dynamic finished product where the different colors overlap each other but remain sharp overall. If you add layers when the paint is still wet you will find that the colors will bleed into one another which detracts from the desirable speckled look of a faux granite finish.

Worth noting is that you can use the color bleeding as another artistic tool choosing to blend together colors – especially in the base color stages where you are applying a heavier coat of paint.

Always Finish With Black

If you have one sprayer that works better than all the rest, you should use that sprayer for your black paint. Once you have achieved a color combination that you are happy with and are ready to proceed to the final layer which is a list misting layer of black overall. Some areas you can go slightly heavier on to create an interesting finish, but ultimately the entire surface receives as light of a misting of black as possible.

The goal is to have the black speckles to be as small as possible which will transform a mediocre looking faux granite finish to a magnificent and realistic colour. There are hundreds of different color options and applications for faux granite paint finishes including stamped concrete, artificial rocks, statues, fireplace covers, drywall, decks, stairs, patios and much more.

The 26 Fighting Elements of Jeet Kune Do

Jeet Kune Do or the Way of the Intercepting Fist is a martial arts style developed by the late great Bruce Lee. It is because of the creation of this fighting style that made Bruce Lee dubbed as the godfather of mixed martial arts. Jeet Kune Do (or Jun Fan Jeet Kune Do) is a product of 26 martial arts both from the east and the west that Bruce Lee has combined by keeping what he sees as essential and discarding what is not. If you want to train in this form of combat, having an overview of what these 26 martial arts are will help you have a deeper understanding and preparation for learning Jeet Kune Do.

1. Wing Chun

2. Northern Praying Mantis

3. Southern Praying Mantis

4. Choy Li Fut

5. Eagle Claw

6. Tai Chi Chuan (Wu Family Style)

7. Paqua

8. Hsing-I

9. Bak-Hoo Pai (White Crane); Bak Fu Pai (White Tiger)

10. Ng Ga Kuen (The Five Family System)

11. Ny Ying Ga (The Five Animal System)

12. Bak Mei Pai (White Eyebrow)

13. Northern Shaolin

14. Southern Shaolin

15. Book Pai

16. Iaw Horn Kuen

17. Chin Na

18. Monkey Style

19. Drunken Style

20. Western Fencing (Foil)

21. Western Boxing

22. Western Wrestling

23. Jiu-jitsu

24. Escrima

25. Filipino Sikaran

26. Muay Thai (Thai Boxing)

Not all of the techniques that each of these styles were taken by Bruce Lee to create Jeet Kune Do. He only adopted some of their techniques that he deemed simplest and most economical in the four combat ranges of punching range, kicking range, grappling range, and trapping range.