Cape Wayne

A great place to live!

 

 


     

Cape Wayne - A great place to live!

Cape Wayne is a great place to raise a family and work.  Located just north of a National Park there is tons of wildlife and things for families to do together.  If you enjoy the outdoors and living on or near the water then Cape Wayne is the place for you.  So check out our articles about local businesses, events, real estate and local living in the coming months.  We have recently redesigned the website to be more user friendly and accessible.


How Insurance Premiums are Determined

 

Each individual has a different set of circumstances and situations to determine their policy.  And though there are many factors when trying to determine what the premiums are for any given person seeking insurance, there are 4 major factors that determine the final cost.  Each one is to be explained thoroughly so that through paying attention to each detail, the premiums can be as little as possible.

One of the factors when determining your premium is your history, not just from that particular insurance company but from your history of holding insurance.  The bad history and the good history both affect the types of insurance your are eligible for and the cost of that insurance.  No matter if it be for car or for home insurance, the amount of claims you have file greatly affects the cost.  That means you are more likely to file a claim on something small or even that you are accident prone.  If no claims have been filed in your history of being insured, the insurance companies see a responsible policy holder.  The insurance companies actually have an Insurance Score which is kind of like a credit score.  It lets them know whether or not to insure you and how much to insure you for.  Your history is what makes up the Insurance Score. With car insurance, things like accidents, DUI’s, speeding tickets, etc, are history makers that affect the premiums.

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Another premium changer is the deductible level.  The deductible is the amount you are willing to pay against a covered loss.  The higher the deductible, the lower the premium.  When you pay more at the time of an accident, that’s less that the insurance company has to pay, hence a lower premium.  In most cases, you can control how much you want to pay for the deductible.

The third factor that insurance companies pay attention to is how much coverage you need.  With car insurance it’s whether you want liability or full coverage, and how much coverage you want medically.  With home insurance, it’s the amount of personal property you want covered.  This can be stuff like clothes, or even items you enjoy like musical instruments.  With health insurance, it’s the amount of coverage you want at doctor’s visits, emergency room visits, and the amount of medical test that will be covered.

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           The fourth factor insurance companies look at is the type of item that is being covered.  It goes without saying that all premiums go up and down based upon how costly the item is.  With car insurance, it’s based upon what type of vehicle you own.  The more expensive the vehicle, the higher the premium.  They also look at the color of the car.  There has been a myth that red cars cost more to insure than any other color car.  This is a true statement.  Studies have shown that drivers are less likely to see the color red than any other color.  Therefore, the color red vehicle is more likely to get in an accident.  With home insurance, it’s pretty much self explanatory.  The more expensive the house, the more expensive the insurance and premiums.


 

How to Clean and Maintain Hardwood Flooring  

Hardwood flooring is a beautiful base for elegant and tasteful rooms. Once it is installed, the flooring must be cleaned daily to keep it looking as uncluttered and sparkling as it was the first day the project was completed. Here are some tips for cleaning and maintenance.

Preventative 

Use small rugs or mats in front of door that lead into the room with hardwood flooring. These rugs should be ventilated, they should not have any rubber backing, and they should be kept clean. A natural woven or braided rug would be a good choice. The idea is to capture dirt granules and grim before it is brought onto the wood floor.

Mullican Chalmette Autumn Maple
Mullican Ridgecrest Hickory Saddle
Triangulo Brazilian Chestnut (Sucupira) 5

Cleaning Dry 

Daily cleaning of your hardwood flooring can include many dry methods. You can use a high quality broom to sweep up the grit and debris that has gotten on the floor during the day. If you prefer, you can use a vacuum sweeper, but make sure it does not have a beater bar. A dust mop is another choice for minor sweep-ups.

Triangulo Brazilian Pecan (Guajuvira) 5
Triangulo Engineered Flooring

Wet Cleaning 

You can use water on your hardwood flooring, but your mop should never be very wet. Some people suggest a sponge mop, others a terrycloth mop, and still others a microfiber mop. No matter which you use, you should dip it in the cleaning solution and wring it out thoroughly before you set it to your hardwood.

Kahrs Spirit Valley Hickory
Kahrs Spirit Storm Cloud Maple
Kahrs Spirit Plateau Hickory

One of the solutions you can use is one quarter cup of vinegar to a bucket of water. Another choice is one quarter cup of borax and 1 tablespoon of liquid dishwashing soap to a bucket of water. It is not a good idea to use ammonia on hardwood flooring because it could damage the finish.

Maintenance 

After awhile, your hardwood flooring might show wear that normal cleaning will not improve. If your flooring needs a better finish, you might try a process called screening and recoating. The very surface of the floor is roughed up just enough so that a new coat of polyurethane finish will adhere to it. If the damage is more severe, you might need a complete sanding down to the bare wood, re-staining, and refinishing.

Armstrong Century Farm Autumn Dusk Walnut
Armstrong Century Farm Honey Butter Hickory

Purchasing excellent flooring and having it perfectly installed can make you a happy homeowner. It is a change that you will enjoy for years to come. To stay happy with the change, keep your hardwood flooring beautifully cleaned and well-maintained.  Also if hardwood maintenance is too difficult for you then you might try looking at vinyl flooring as an alternative.


Mohawk Strand Woven Bamboo 

                If preserving the planet plays into your purchasing decisions, consider Mohawk Strand Woven Bamboo. This product is a durable, beautiful environmentally-friendly hardwood flooring solution. Their newest green addition to their collection of hardwood flooring, Mohawk Strand Woven Bamboo combines exotic beauty with supreme durability. It is an excellent renewable alternative to traditional hardwoods. With a wide assortment of colors found in the Rarity and Artiquity Collection, you will find that protecting the planet doesn’t mean passing up your preferences.

                A defining feature of bamboo is its supreme durability. Twice the hardness of Domestic Oak, Mohawk Strand Woven Bamboo can withstand the activity of high traffic areas with glowing results. This product is made from 100% of the bamboo stalk. The bamboo strands are pressed together with environmentally friendly adhesive and are placed under high pressure to form blocks. The blocks are sawn into flooring planks. Its tremendous durability makes it a perfect solution for both residential and commercial projects.

CFS Bamboo Flooring
Teragren Synergy Bamboo Floating
Teragren Synergy Floating Java

                Mohawk Strand Woven Bamboo has a unique manufacturing process that differs from other bamboo flooring types. While others do not utilize all of the bamboo stalk, which ends in waste, Mohawk utilizes 100% of the stalk.  The environmentally-friendly adhesives comply with the European E-1 Standard for low formaldehyde, which provides better indoor air quality compared to traditionally manufactured hardwoods.

Mohawk Engineered Flooring
Congoleum Flooring
Bruce Engineered Floors

                Because bamboo can be harvested every 5-7 years, it is a more sustainable, renewable resource than other hardwood species. An environmentally green solution, Mohawk Strand Woven Bamboo can contribute LEED points for certain installations. LEED points were developed by the US Green Building Council (USGBC) to encourage builders and architects to use products that comply with certain environmental standards.

The Artiquities collection has many beautiful design options in such color tones as Chestnut, rustic Baked Natural, Light ebony, Warm Cherry, and Warm Chocolate. The Kahala line features an elegant nominal 5 inch plank widths with unique handscraped visuals, which causes oohs and ahs from visitors, yet is tough enough to withstand the highest traffic.  The Kahala line is available in either tongue and groove milling or with the Uniclic glueless technology. An aluminum oxide matte finish called CrystalShield, is guaranteed to allow this flooring to withstand the rigors of high traffic for 25 years in a residence or three years in a commercial setting.

The Rarity Collectiton features the Hilea line of Mohawk Strand Woven Bamboo, which comes in natural and natural baked colors.  The Hilea line will bring impeccable style and tremendous strength to your family circle. This line is available in either tongue and groove milling or with the Uniclic glueless technology. An aluminum oxide matte finish called CrystalShield, is guaranteed to allow this flooring to withstand the rigors of high traffic for 25 years in a residence or three years in a commercial setting.

Mohawk Hilea Bamboo Baked Natural
Mohawk Kahala Chestnut
Teragren Portfolio Brown Sugar
Teragren Portfolio Paris Black
Teragren Portfolio Midnight Black

For centuries, Moso bamboo has been used in the construction of buildings, bridges and scaffolds. It is known for its density and remarkable strength. Using bamboo reduces dependence on dwindling timber resources.  Its leafy canopy releases 35% more oxygen than a comparable cluster of hardwoods, which makes it an environmental friendly solution for our planet.  Because bamboo is a renewable ad sustainable resource, unlike its counterpart hardwoods, more people are turning to bamboo for their flooring solutions. If you are interested in Bamboo flooring, Mohawk has a solution for you.