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Those little 115v wire welders that you see at Lowes and Home Depot are selling like hotcakes. Home Depot seems to always stock the Lincoln Electric Weld Pak HD. And Lowes seems to always have the Lincoln Electric Pro Core 125 MIG/Flux-Corded Welder. Every time I visit Lowes or Home Depot, I cant help but notice that the welding supply shelves have grown like crazy in between my frequent visits. My theory is that cable TV shows like Orange County Choppers and Monster Garage and helped to bring welding and fabrication more into mainstream Americana and have even created quite a buzz around welding and fabrication. It seems like every red blooded American male with an ounce of testosterone in his gonads wants to make something out of metal and the only real way to do that is with a welding machine. Having a welder in your garage also gives some serious bragging rights and makes you think you have a lot more friends than you really do, (kind of like having a Bass boat).

But the thing that scares me a little and should scare a lot of folks is that there is no welding police. No one to blow the whistle and stop people from welding stuff they shouldnt oughta weld. Its kind of like a sixteen year old being free to stroll into a motorcycle shop and ride off on a crotch rocket that will do 180 mph. I guess that is part of living in Free America.

What a country!

These little wire welders do have some limitations. Lets be clear about that. There are just some jobs you should not tackle with a 115v mig welder.

But take heart. There are many jobs that you can do, and do well with one of these 115v welding machines.

The purpose of this article is to explain how to get the most out of your 115v wire feeder welding machine and to make sure you are getting proper penetration in what you are welding.

First off, if you are going to weld a thin sheet metal quarter panel patch for a Nissan Altima, no worries. Penetration will be the least of your concerns. But if you are thinking about welding something heavier like a home-built Hummer Kit using 3 inch square tubing with 3/16 inch wall thickness, that is something else entirely. This is a situation where you will really be pushing the limits of any 115v wire feed welder.

I think anytime something is welded that that would probably injure someone if the welds fail, a 220-230v MIG welding machine should be used. That said there are still going to be occasions where people will need to push the limits of their 115v MIG welding wire feed welders.

Here are 7 things you can do that will help to increase your chances of penetration when you really need it.

1. Use flux core wire like Hobart Fabshield 21b and set the machine to max voltage, then adjust wire feed accordingly. Flux core just plain penetrates better that bare wire on 115v wire feeders. Make sure you follow the recommendations on the wire for polarity. A lot of disappointment has come from not changing the polarity when required.

2. Plug into a dedicated 20 amp circuit. Most household circuits are 15 amp. You might have a 20 amp in your garage. If not, consider getting one.

3. Do not, I repeat, do not use an extension cord. If you must use one you better use the shortest and thickest one you can find to avoid a power drop. Even then your machine will probably weld like it has been castrated. Get it? No balls. Ok moving on to #4.

4. Preheat the joint even if it is with a little propane torch, warming a joint up to even 150 degrees is like having another 10% extra amperage.

5. Do not weld downhill. Instead, weld uphill. Vertical uphill welds get more penetration than any other position joint because gravity keeps the puddle behind the arc.

6. Clean the metal with a grinder. Not having to penetrate through hot rolled mill scale, rust, or paint will greatly increase your penetration.

7. Get some small pieces of metal of the same thickness as the welding task at hand and weld a T joint. Then break it with a vise and a hammer. If it breaks easily you have problems and need to adjust the machine and/or technique until you can weld several joints that either do not break, or if they do break, show good penetration in the corner of the joint.

If you follow these 7 welding tips for getting better penetration with your 115 volt wire feed welder, you will be getting the most out of your mig welder.

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Who Needs Workbench Plans?

Today my knees are really killing me, again. Even after promising myself that I would never try to build something on the floor, last night I was in the basement, back down on the concrete trying to replace the belt on a vacuum cleaner. I tried to make the job more tolerable by tossing down one of those foam pads you see for working in the garden. I even tried throwing down some old pillows and blankets, but nothing seemed to really work. Then I started thinking about those professional-style knee pads I always see at Lowes – which I always walk past because I think I’ll only use them once.

So today I decided that what I really need is a way to get my work up off the floor and keep it at a reasonable height…something that my back will appreciate. That’s an easy one. But where do I get one? I’m not even sure what “get” means at this point. I suppose I’ve seen a couple of workbench kits at places like Home Depot and Lowes, but I didn’t see much of a selection really. I could buy one of those bright-red, metal frame workbenches that have the particle board top and a pegboard back. Those workbenches would probably be easy enough to set up without too much trouble. That is, if I’m willing to pay the $100 bucks or so to buy it…and, also if I have a way to get those huge boxes into my car.

Build a Workbench or Buy One?

I guess I’m thinking that a simple workbench should be a fairly easy thing to build myself. And doesn’t it make sense to build my own…especially if I’m going to use that workbench to build more stuff? That makes sense. Besides, a lot of the workbenches I’ve seen in other people’s basements look fairly simple…like they’re put together with 2×4s. I could handle that. If only I could remember (or even understand) how everything went together. That’s kind of the problem. Even with my rough sketches of the kind of workbench I think I’d like to build, I’m still a little fuzzy about what kind of joinery I should use in the corners where the legs come together. I’m not an engineer after all, and I don’t want this thing to be wobbling all over the place after I get it set up.

A Little Help with a Plan

What I’m looking for is just a little help with the overall design of the workbench. So with a quick search on Google for “workbench design” and “workbench plans” I’m seeing lots of websites that say they can help me out with a plan… and most of these I can get for free. At first I’m pretty excited that there’s so much to pick from.

Woodworking or Just Work?

First thing I notice with my Web search for workbench plans is that the word “workbench” is mostly about woodworking…which might not be what I’m looking for exactly. Here’s the test: If you have no idea what a mortise and a tenon joint is, then most of the workbench plans that come up in a Google search are probably not what you’re looking for. Nothing against woodworking, really. In fact, I hope someday I can delve into the fine craft of building fine furniture. That would be wonderful. Maybe build a baby crib for a grandkid. If this is something you are leaning towards, then by all means you should consider taking the leap into building (or buying) a nice woodworking bench.

A workbench can be a beautiful pieces of shop furniture, actually. And experienced woodworkers take no greater pride in having a beautiful workbench to show off to their friends. It’s a very passionate kind of hobby, where serious woodworkers get all perky and excited from just a little whiff of sawdust in the air. That kind of thing. But believe me, serious woodworkers pay out the wallet for their woodworking passion. Most really nice woodworking benches (made from hardwoods like oak or maple) will cost you no less than about $500 for a kit (like at Rockler.com) or at least several hundred dollars in wood and materials just to build it yourself. Not to mention that you’ll also need some fairly sophisticated shop tools to build the really nice woodworking benches…like a planer, drill press, router table, that sort of thing.

Something Simple

But back to my original problem, what I need is simply something to get my work up off the floor and at a reasonable height – and not spend a lot of money doing it. The kind of bench I’m talking about goes together with really simple materials…like 2×4s and wood screws that you can buy at Home Depot or Lowes. And this is stuff I might even be able to fit in the back of my hatchback (and save $50 on a delivery charge). Heck, you can even slide 2×4s in the back trunk with some cars (if you have an open panel behind the back seats).

But I’m not ready to head off to the lumber store just yet. I still need to have a rough idea how the 2×4s should go together, and then how many of the boards I’ll need to buy once I get there. This is where at least some type of workbench plan can come in handy, especially if you want to get started right away on the project. Believe me, starting off with someone else’s design can remove a lot (and I mean a lot ) of the guesswork you’d otherwise be facing if you design your bench from scratch.

Finding a Simple Workbench Plan

If you haven’t already noticed, there are tons of websites on the topic of building a workbench. However, be ready to do some digging to find the kind of simple workbench design I’ve been talking about so far. Remember, most “workbench” plans you’ll find on the Web are designed for some pretty serious woodworking. They might look nice, but be prepared for instructions that want you to do work on a planer, a drill press, a router table, and some other tools I’ve never heard of.

Free Plans?

The next thing you’ll notice with your online search is that a lot of the listings advertise free plans. Believe me, I’ve meticulously gone through these “free workbench plans” websites and I can tell you without hesitation that this stuff is mostly junk. Like a lot of stuff on the Web, it’s simply a ploy to get you interested in looking at something else…like a new cell phone or a free credit report.

A Better Plan…under $10

My opinion in regard to workbench plans overall is that you’re better off to spend the $5-$10 and get something that more resembles what a real workbench plan should be-step-by-step instructions with nice illustrations, cutting diagrams, and shop tips and techniques. What I’m talking about here are plans that have at least five pages of content (unlike the photo-copied isometric drawings that some free sites have) and some reasonably good-quality photos of the finished product. The photos alone can be real life savers when you’re trying to put everything together the way it should go together.

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A DIALOG WITH YOUR WORK

It is important for anyone launching an art career to have a direction toward their development and to keep that development alive. The very act of creativity can be dulled or detoured by an artist presupposing future works. The dialog an artist has with your work changes with each new piece. Each successive work causes an adjustment in direction: a revelation, an inspiration that alters the creative path. It seems that creative work has a life of its own which grows and is nourished by communication with its creator.

AVOID BECOMING AN ASSEMBLY LINE

It is possible to work successfully, heedless of the changes inspiration and innovation bring on. This often happens when an artist finds a successful and profitable “niche” and repeats over and over the same subject matter, style and techniques of working over a period of years. The market will always want the same or similar product, to guarantee a reliable value. It is regrettable, however, that many artists in this creative stasis, refuse to develop their full capabilities and are forever tied to the intrinsic values of their work.

KEEP IN TOUCH WITH WHAT’S HAPPENING

The “art scene” is competitive only to those that want it that way. As a artist develops a body of work, having a perspective of other artists’ work is not only a good way to share creative energy, but a relationship that keeps individual work vital. Being aware of what is happening in galleries and events locally, nationally and globally can inspire an emerging artist to move their creative work in a different direction, address different subject matter and change an attitude towards personal artwork relative to the work of other artists.

PARTAKE OF THE RESOURCE BUFFET

There are many resources that can be useful for artistic development, including: art magazines, local and national galleries and online art newsletters and forums. This information should not be intimidating. Frequently, an emerging artist is in a fragile tier of development. Being defensive or put off by investigating the art world restricts personal perspectives. One should look at these resources as a buffet and choose the lovely morsels that will nourish personal creative growth. There is also, a strength and great camaraderie in having relationships with other artists, showing in group shows, becoming a member of a local coop gallery, and participating in art auctions and fairs. Each artist finds their own degree of involvement, whether it is commitment to a highly social scene or minimum input from a local gallery or several friends.

FRESH EYES

Being able to see your work objectively at a distance and up on a wall is a good way to start examining your artistic direction. Choose an area where you can step back at least fifteen feet from your work. Try to arrange your work in some kind of order, for example, earliest work to later work, groups of similar subject matter or stylistic changes, etc. Put everything up–all sketch and studies on paper, all canvases completed or partially finished. All notations and drawing concerning your work. In addition, other artists and friends can offer valuable perspectives regarding your work.

VITAL CHECK LIST

Below is a check list of questions to ask yourself about your work. Do this periodically to keep in touch with your development.

What time period does this body of work represent? (Was all of it completed in a period of five months, a year?)

What did I learn between the earliest work and my last painting?

Which works do I consider successful and why?

Which works do I consider not very successful and why?

What direction am I taking?

What do I want to accomplish in the next three months?

Would I consider submitting my work for exhibition?

What can I do to make my work stronger and more effective?

Is there anyone I would like to contact to look at my work?

I recommend printing out the questions and writing your answers after each question. Date the paper and keep it in a folder. Decide how often you are going to review your work and periodically ask and answer the questions (I think that a review every month is appropriate.)

READY TO SHOW YOUR WORK?

Traditionally, paintings have been judged by certain criteria, however, today, the criteria is not so standardized. You may have found out that galleries have their own criteria for accepting the work of artists based on saleability within the gallery’s market. Large exhibits and juried art shows often follow the guidelines of whoever is judging and depending upon who that is, the guidelines can represent many differing preferences and interpretations. Most galleries have their own guidelines for accepting or rejecting an artist’s work. For example, a gallery that shows contemporary work may not want to consider the work of an artist doing traditional paintings. Also, a small, local gallery will be more receptive to a broad range of work by local artists, whereas a prestigious city gallery will want well-known artists on their roster.

OVERVIEW OF “THE SCENE”

In retrospect, today’s artists are relatively unencumbered by the rules and regulations of the past with regard to how a painting should look and how long it should last. The contemporary artist may be involved with multi-media or conceptual expression. Many creative venues today don’t even have a category and as artists research new frontiers of creativity, judging criteria becomes more specific and, in many cases, applicable to just one unique artwork.

WIDE OPEN SPACES

If you are an experienced artist with many well developed skills, working in your own studio in complete creative freedom is a dream come true. The learning boundaries break away and a vista of personal growth and progress is now open before you. Do you revel in the fresh wind of freedom sweeping past you on this vast plain, or does the open space look a bit daunting? Stand still, for a moment. Listen to the silence and let it speak to you. Listen to the distant wind across the vast fertile plain of your creative mind, take in the fresh air and be nourished by it!

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Getting Married? Overwhelmed by all the decisions and the outrageous costs? This can help! Here are a couple of ideas for beautiful centerpieces that would cost you your budget.

Smoke and Mirrors

This is very simple and very elegant look. Simply place a mirrored placemat or even a mirrored tile on each guest table.

Then place an odd number of candles (probably 3 or 5) on top of the mirror. The candles can be pillar candles of different heights or if you prefer candlestick holders, choose holders of different heights and use the long candlesticks. Choose a color that is neutral or one that complements your colors. Do not get heavily scent candles! This will distract from dinner!

Finally if you want a little more festivity, sprinkle rose petals around the mirror.

For the Wedding party table. You can do the same thing, only use more candles and consider even putting these onto stands to give them height.

Where to find it: You can usually find the placemat at a home decor store (like Trends and trees or hobby lobby) or the tiles at a Home store (like Lowes or Home Depot). The candles do not need to be expensive. Go to a Wal-mart or other discount store to see what you can find. For the petals, simply call a florist and ask if they have any aging roses that you could purchase at a discount. They should be happy to have something to do with these roses that are starting to brown. Just pull off the browning petals and use the rest. Or if you don’t want the expensive of real petals, purchase some fake rose petals while you’re at the home decor store.

Living in a Fish Bowl

Can’t have candles in your reception hall? This might work for you instead. Place 10-12in glass bowl, usually used for floral arrangements (kind of looks like a fish bowl). in the center of each Guest table. In the bowl place decorative rocks/stones and fill with water.

Choose some open flowers (not buds) that complement your bouquet choice by using similar family of flowers and/or similar colors. Cut the stem so it is less than an inch long. Place just a few flowers in each bowl; you don’t want to over crowd. (If you can use candles, a couple of floating candles here add a nice touch!).

For the Wedding party table, we will use your wedding bouquet. Select a tall clear vase that is a little shorter than your bouquet( not including stems). Once you arrive at your table, place your bouquet in this vase. It keep your bouquet fresh and out of the way. If you have a particularly long table, you can purchase long clear containers and fill them the same as the bowls above. Place these along the front edge of the table on either side of the bouquet vase.

Where to find it: You can usually find the bowls and the stones at a home decor store (like Trends and trees or Michaels) or go to a Wal-mart or other discount store to see what you can find. They do not need to be expensive. For the flowers, try a superstore or even a Costco/Sams for the cheapest flowers. You can sometimes find a florist outlet where you can get great deals. Or if you don’t want the expensive of real flowers, purchase some fake flowers while you’re at the home decor store.

Put it all together and you have an elegant table setting!

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Veranda decking is a composite decking material that has a reversible finish. It has a combed finish on one side of the decking and a wood grain finish on the other. Although it is called veranda decking, you can use this decking to build a gazebo or any kind of patio or deck. The prices are comparable with other types of composite decking and you have three colors to choose from – gray, cedar and redwood. In addition to buying veranda decking, you can also purchase the railing you need for your deck in the same color and material.

Check with Home Depot for veranda composite decking prices. At the present time, this is the only store that sells this type of composite decking. Veranda decking comes in three different lengths – 8, 10 and 12 feet. You can also buy the screws you need in the same color as the veranda composite decking you choose for your deck. This decking material is the perfect one to choose for a deck that will see a lot of traffic and different climate conditions. It will not diminish in appearance with a lot of people walking on it, dragging pation furniture over it or through the elements of weather.

The thing that you will notice with veranda decking is that the color will lighten over time. This is not the result of a defect in the veranda composite decking but it is a natural occurrence due to exposure to sunlight. The decking has to have time to weather and this usually takes two to three months. After this length of time, you won’t notice any further fading or lightening of the color of your composite decking material.

Veranda decking has to go through a mellowing period. If you buy the decking at reduced veranda composite decking prices, you should not worry that the reason for the lower prices was that there was something wrong with the material. During the first two or three months, you may notice tan or greenish hues coming through the veranda composite decking, no matter what color you choose. There will also be slight color variations in the pieces because of the components of the composite decking – wood fibers and recycled plastic. Although there is a warranty with the veranda brand of composite decking, color variation is not included in this warranty.

When you buy veranda decking, you should buy all the material you need to complete your deck at the same time. In fact, experts with installing veranda composite decking recommend that you buy extra because of the color variation that you may encounter. The extra pieces will allow you to ensure that your deck is all the same shade of the color you choose. If you do run out of veranda decking before the project is completed, you may have difficulty getting the exact color to match because runs of the manufacturing of this product can produce slight differences in the colors.

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Truth in Marketing

What your company takes as truth is not the fuel of preference and choice. The reason for this is that truth is not universal, it is in fact a product of perspective — and there are as many perspectives in the world as there are places to stand. Every one of your customers sees the world from their own personal vantage point.

As a marketer, do not be overly caught up in the product or service benefits that you consider TRUE differentiators or benefits over the competition. Leave the self-delusion to your competitors and grab every advantage that their blindness offers you. A dispassionate viewpoint when viewing your own brand will give you more than just a heads-up, it may very well propel your brand to dominance.

Think about the home and hardware superstores like Lowe’s and Home Depot. They are engaged in a desperate struggle for market share, both trying to convince homeowners… that doing things yourself is “doable” (read Home Depot’s tag line “You can do it. We can Help” — and Lowe’s tag line “Let’s Build Something Together”). They compete for customers with the promise that their store has everything you need, the brand names you crave, and that their selection and prices are unmatched.

Corporate Promises are Similar

Lowe’s — “We work hard to save you money every day. And we strive to offer you low prices every time you shop. We call these Everyday Low Prices, and we do our best to provide you with the best values, whether at your local Lowe’s store or online at Lowes.com”

Home Depot –”The Home Depot provides our customers with excellent service every time they come into our stores. We offer the right products, the right selection, the right prices and a team of associates passionate about your needs. We build lasting relationships by helping customers realize their dreams and growing their trust through our products and services.”

As a category, the home improvement super stores have succeeded in squeezing the local hardware store and building supply companies. Their volume and pricing has changed the way national hardware retailers like True Value and Ace Hardware must do business, but the focus that brought about a sea change in the way home owners shop for the ever broadening category of home improvement products does little to take market share from ether of the big two.

Today they have relegated their competitive practices to promotions and location. In both cases, even these poor attempts at preference has become harder to differentiate as they seem to follow each other in the location of store openings.

Lowe’s had a marketing strategy, some years back that at least positioned them against the category leader by claiming that they were “Improving Home Improvement” but even that has been dropped in exchange for the more category generic claim of “Let’s Build Something Together.” The former advertising tag line (not a brand theme line) succeeded in positioning them against the category but fell victim to the all too common tact of talking about themselves rather than branding the company through identification with the folks that shop there.

Let’s look at the category in general for just a moment. Does the category promise to empower the customer as people who can “do it themselves”? Absolutely. By promising the sense of control that being a “do-it yourselfer” represents the category has changed the landscape and overtaken the old category of lumberyards and hardware stores. This, Stealing Share® calls a category benefit meaning it defines an equity that everyone who has permission to play in a category of products or services share. No one owns it because everyone claims it. It is the minimum requirement needed to compete. It also means that claiming this value does not provide a competitive advantage over competition.

All Holes Get Filled

Home Depot and Lowe’s have left it to the customer to supply the brand values that differentiate them. Have no fear — human beings have an innate drive that propels them towards simplicity and clear understanding. The lack of a compelling brand forms a vacuum that never remains empty for long. As the left-brain attempts to provide rational reasons to justify a right-brain decision, the customer will supply an identity that reinforces their decision making process.

The problem with leaving this critical brand void to the customer’s discretion is that your company will not have a brand… it will have as many BRANDS as it has customers and your business will be left to compete through a mixture of price discounting, increased advertising spending and the tremendous expense of new site construction. After all, if customers have no reason to choose beyond their own “you fill in the blank” — what incentive do they have for driving past a more convenient location of a newly build Home Depot and continue on a mile further and shop at the Lowe’s that had, up until the new Home Depot arrived, been their habit?

Winning

This is the truth in the home improvement category. However, you can be assured that Lowe’s and Home Depot disagree with our assessment. They see real and truthful differences between themselves and their competitor. Maybe one is sure they have better name brands. Maybe the other is sure they have better systems and friendlier employees. Just remember: “What your company takes as truth is not the fuel of preference and choice. The reason for this is that truth is not universal, it is in fact a product of perspective — and there are as many perspectives in the world as there are places to stand. Every one of your customers sees the world from their own personal vantage point.”

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Having a bank account is a safe and convenient way to access financial services such as loans and credit cards. Individuals, whose names are listed in ChexSystems and/or TeleCheck, which are the official credit bureaus of the banking industry, can be blocked from opening bank accounts.

Second-chance bank accounts, therefore, are the best way to get a fresh start for people who had problems with an account in the past and are finding it difficult to open an account. That is, these accounts are offered to people who have a bad credit history and to people who had to close their accounts due to overdraft and debt problems.

No minimum bank account balance and no interview with a personal banker are required to open second-chance bank accounts. A specialty of second-chance bank accounts is that it offers no credit check, as credit checking keeps customers with a bad banking history from opening bank accounts. No Chexsystems checks are offered at the time of opening second-chance bank accounts. Certain financial institutions offer free Visa/Mastercard debit cards, an ATM card, and a limited number of checks through which transactions can be made.

The procedures for opening second-chance bank accounts are very quick and easy. In order to open a second-chance bank account, just fill out the application form from a bank that does not use Chexsystems. Otherwise, the customer has to keep a copy of ChexSystems report and a letter as proof of payment from the previous bank while opening a second-chance bank account. Once the account is opened, the account holder can make transactions as they do with regular accounts. For example, the account holder can pay bills and get cash through second-chance bank accounts.

A number of companies have begun to offer second-chance bank accounts. Today, there are several programs designed to help individuals to re-establish a banking relationship. Get Checking, an educational workshop, is one such program that offers customers an opportunity to re-establish a banking relationship. This program offers an opportunity to open an account with a financial institution.

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According to State Treasurer Sarah Steelman, Missouri unclaimed money has grown to the massive sum of $400 million. This pile of cash is likely to grow, as with most states, Missouri takes in more unclaimed property annual than they return to the citizens. Among the variety of reasons why these funds remain unclaimed, is the fact that most people are unaware of unclaimed property, and those that are don’t know the proper way to search.

With MO unclaimed money rolls approaching a half of a billion dollars, the “Show Me State” ought to change its name to the “Show Me The Money State”. So where does all that money come from? There are many dozens of different types of sources for unclaimed property, but some of the most common are abandoned bank accounts, safe deposit boxes, checks that have not been cashed, certificates of deposit, forgotten stocks, life insurance policies.

While there is no time limit on claiming missing money, Missouri only guarantees that they’ll hold items from safe deposit boxes for 1 year (though they do sometimes hold them for longer). According to the MO State Treasurer’s website, this is how they handle these items: Although State Treasurer Steelman would like to keep the contents of safe deposit boxes until an owner or heir is identified, the unclaimed property vault used to store non-monetary items of value (jewelry, coins, etc.) reaches capacity every couple of years. When the vault is full, the Unclaimed Property Division hosts an auction, and the proceeds generated from the sale of items from safe deposit boxes is recorded in the name of the safe deposit box owner. If owners or heirs are identified, they receive the entire proceeds from the sale of the items.

Obviously for those people who use (or have used) safe deposit boxes, it’s important to quickly get your search started if the items have a sentimental value to you, but at least you’ll get the money if they sell your items. Luckily for the rest of us, most of the money doesn’t come from unclaimed property auctions.

Whether you’re a current or former Missouri resident, or in some cases, have never lived in Missouri at all, the odds that lost money is owed to you, are in your favor. And the best part about money from unclaimed funds is that the money already belongs to people. There are no games or gambling involved. The only thing keeping missing money from becoming found money, for most people, is their knowledge about where to search, and how to search.

Countless myths exist about unclaimed property. The most common is that performing a simple online search on any old website constitutes a full search. Sadly most of these “official” searches, are anything but, and their data is often very outdate if not completely false, and only there as a sales hook. The other myth is that the state records are up to date and accurate.

There is no uniform rule that dictates when the states, including Missouri, must update their unclaimed money records. For this reason, one of the best things you can do is search regularly. If your money has only been classified “unclaimed” recently, it likely won’t show up in Missouri’s system until it’s first been turned over by the account holder, and then whenever the state treasurer’s office adds the record.

To learn more about these unclaimed property search obstacles, and many more, and it is important to seek expert assistance in your search for lost assets, to ensure that you reclaim all possible money owed to you.

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If you are looking to get involved in an interesting network opportunity, you’ll find that there are plenty that allow you to decide on your own level of investment and participation, and if this is what you are looking for, than the Team National MLM Income Opportunity might be exactly what you are looking for. Essentially, the Team National MLM Income Opportunity is affiliated with larger corporations like Wal-Mart and Home Depot, among several others, and through shopping at those places and selling these memberships to your friends and family, you will find that you quickly make back your investments.

One of the things that might turn the average consumer off of the Team National MLM Income Opportunity is the fact that the investment to start off with is rather high. The initial investment does seem to come in at around an excess of 2000 dollars, but this is something that is eventually evened out in the savings. Essentially, you can see this opportunity as buying your way into many very good sales; you’ll be able to purchase goods and services for a fraction of the cost after you have put down this initial investment.

Many people who have taken part in this opportunity have seen that the savings are fairly incredible. While some people choose to simply use it for day to day savings, other people make up their savings in high end items, of which there are many. Many individuals who get involved in this opportunity will simply work on a way to make sure that it works when you are getting to high end items like cars or furniture, where the savings can simply be astounding.

How can you tell if the Team National MLM Income Opportunity is the right one for you? The first thing you need to look at are your own spending habits. How many of the stores where it is available do you shop at and how regularly do you do so? By figuring that out, you can take a guess and make sure that the savings you are due to get are good ones. You will find that if you have a rough idea of your savings, you will be able to justify the 2000 dollar initial expenditure a great deal more easily.

When you are looking into the Team National MLM Income Opportunity, you will start wondering where the MLM part comes in. The fact is, you can get your friends and family into this opportunity quite easily with just a little bit of work, and you’ll find that the pay off to yourself is quite high as well, While some people go all out and decide that they want to give presentations and seminars, other people merely use their membership casually and tell other people about it as they ask.

When it comes right down to it, if you are interested in the benefits that the Team National MLM Income Opportunity has to offer, it is definitely one of the organizations where you can make your own commitment and decide your own level of participation.

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The most common types of water leaks in a home can be avoided by simple maintenance. Home maintenance is very important to prevent water leaks whether it is the exterior of your home or a simple dripping faucet in the Kitchen. A water leak can cause visible and hidden mold if you do not have a Home Maintenance Program.

Recently, I personally had to deal with a toilet leak from the water hose going to the toilet tank. This hose was five years old and it looked fine until I looked closer and saw fine droplets of water starting to come out of the edge of the compression fitting. Wow, got lucky this time and am very grateful it did not get a chance to develop into a serious flood. Checking your toilet water supply hose is important because of this factor. You would not believe how many floods we have been on in the last 15 years caused by the same type of hose. Cost to replace $6.79 in Home Depot. Cost of a flood, thousands in your home.

The three most common sources of water leaks in homes are the following:

1. Washing Machine Hoses

2. Water Heaters

3. Shower Leaks Due to The Cracked Grout.

The good news about these is they can be prevented by simple maintenance. Common sense tells us to develop a Maintenance Schedule to check these things out on a regular basis. The smart thing is to check these items once a month. After you read this article, I would highly recommend you check them all. It is easy to check a pipe but a flood can cause havoc in your life and the effects are expensive.

Do not think just because you have Homeowners Insurance that you can become complacent. Yes, they will take care of the problem but the aggravation is not worth it. Ask anyone who has ever had a flood in their home if they would ever want to do it again. Remember, you also have a deductible.

There are new types of hoses available that are a braided metal which are tougher than the original equipment that was installed. I personally installed that new type of hose on my toilet. The manufacturer says the pipes cannot burst and cause a flood. The cheaper hoses were $3.49 and the better quality were $6.79. I bought the better quality because of the guarantee. I would suggest you change your hoses immediately if they are over 5 years of age. Remember, the chlorine in the water will start to eat away at the inner liner of the hoses. It is better to be safe than sorry.

The grout of the shower is easy to spot when it starts to crack if you take the time to look. This type of leak can cause serious hidden damage that can cost you thousands of dollars to fix. The average shower replacement is $5,000 and up. A tube of good quality caulk is about $2.50 at Home Depot or Lowes. If you do not know how to caulk, both of these firms have classes on the weekend. Check with the manager of the store to find out when the next class is.

A Hot Water Heater leak is hard to detect early. If you see rust on the bottom of the heater, start thinking about replacing it. I had to replace mine about two years ago, saw the rust but was too slow to replace it. It was fine one day, came home from work and there was water on the Garage Floor from the leak. The fortunate thing was it was located in the garage. It could have been much more serious had it been in my house. I also installed a drain pan under the Hot Water Heater with a drain line to the exterior just to be sure next time.

In conclusion, check your water hoses on the toilet and washing machine once a month. I would also recommend checking the Hot Water Heater at the same time. There are water leak alarms you can put below the toilet in the back and Hot Water Heater that sounds off if they sense water in the area. I would recommend getting one for each location in your home. The grout can be checked each time you take a shower. Just look, you will be surprised how easy it is to do this type of maintenance. Remember, No Moisture No Mold.

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