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.
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