What is a reciprocal insurance exchange?

Reciprocals have been around for many years, but are often sought after by more popular types of insurance, especially mutual insurance companies (Nationwide, Liberty Mutual) and stock insurance companies (Allstate, Geico, AIG). However, in recent years there has been a surge in interest in reciprocal insurance, especially as more nonprofit groups seek the best means of insuring their members without generating taxable income.

So what are reciprocals? Reciprocals are generally defined as a group of individuals, corporations, or entities who, as members, agree to exchange insurance contracts (policies) and share their insurance risks with each other within their select group. Each member (insured) of a reciprocal exchange individually designates and authorizes a common attorney-in-fact to manage the affairs of the exchange. Therefore, they are similar to mutuals except that the people who administer the policies are not employees of the company, but these “proxies” who manage the reciprocal finances and take care of the underwriting, claims management, investments and any other day. a day. operations. In fact, the attorney is generally paid a percentage of the total earnings for his service.

The reciprocals also have a “subscriber advisory committee” (SAC), which is essentially a board of directors. Like the proxy, the underwriters designate the body of people to become the SAC. The SAC has general responsibilities for the finances and insurance activities of the recipient. For example, the attorney’s compensation in fact will generally be determined through periodic negotiations with the SAC.

In terms of tax advantages, all insurance companies, including reciprocal ones, are considered partnerships with respect to federal income tax. This means that the insurance company is subject to the double tax that applies to most corporations. Therefore, income is taxed once at the corporate level and taxed again when distributed to the shareholders of the company. However, reciprocals have a unique tax advantage over other insurance companies in that they are allowed to take a deduction for the amount of their annual net income that is allocated to the underwriter’s SSAs. (Savings account for subscribers).

What is a subscriber savings account? At the end of each year, the remaining premium will be deposited into the Subscriber Savings Account, which is held in the name of each active member. The company generally does not pay taxes on money deposited into SSA accounts, which allows excess balance to accumulate faster than retained earnings at a typical insurance company.

The reciprocal insurance structure has been used by groups of professionals, including doctors, lawyers and architects, and some industries, including pharmaceutical manufacturers, when the coverage they need has become scarce and with extremely high prices.

Although reciprocals represent a smaller number of insurance companies, they are a viable option and should not be overlooked when looking for the right coverage for your specific needs.

A fascinating home that offers everything the heart can wish for

What is the design of your dream house? While each may have a different version of the palace that they would call their ideal home, each would have a certain amount of fixtures and appliances, spaciousness, lighting, and ventilation for a good life. A swimming pool, rock garden and patio, auditorium and garage are some of the facilities we could think of, in addition to well-designed living rooms and bedrooms, kitchens and bathrooms, as well as electronic and office facilities. A basement and attic could provide additional storage space and a large back garden area would allow for hobbies like flower gardening and cooking.

The security aspect, in addition to the regular supply of energy and water, is essential for a successful and modern life that needs to be productive. Many offices and residences have made it large, convenient, without the need to travel every day and expose yourself to pollution and danger. In addition, time and money are saved each time to dedicate to work.

Reforms, extensions and reforms

While not everyone is lucky enough to live in a fabulous dream home, perhaps in a 4000 square foot area that includes two or three floors, adjustments could be made to the existing setup and the best possible facilities could be arranged. Partial demolition and additions may be required, doors and windows modernized, and boundary walls taller with higher security needs. Identify what is really missing, such as an additional bedroom, a second bathroom, and a garage. In addition to the functional aspect, the embellishment may be lacking and could attract a patio or rock garden, along with an arched entryway.

Take a look

When deciding the value of a home and its attractiveness or sale potential, buyers look for facilities, a solid structure and a floor plan, along with natural and artificial lighting. Neutral colors with a variety of textures and patterns add aesthetic values. Externally, plants and foliage or spaces must be found available for this purpose.

An inspiring home vision

Modern open-plan layouts dramatically position the living and dining areas adjacent to each other. Although there are no walls or curtains to separate them, the color scheme and furnishings indicate which is which. A chandelier above the glass top dining table would set the mood. A vertical garden along the dining room could bring in fresh greenery.

The kitchen becomes the heart of the residence

Along with a spectacular multipurpose kitchen island, steel cabinets and appliances along with layered lighting dissipate stress. What else would you add to the ideal home?

Tesla rises 1,081%: the big bet to make now

“Are you crazy.”

My friend Sasha scoffed as we drank latte for our Sunday morning ritual. Across the table, Brian shrugged, confident in his statement. “You’ll see. Soon even your parents will want one. Top gear he is lying “.

I watched the exchange between my two friends, already familiar with this discussion.

Look, this was in 2011, and we were discussing electric cars. More specifically, the Tesla (Nasdaq: TSLA) Roadster – the first series of road-legal electric cars you can buy from a company. By then the car had been on the market for about three years, and we had seen the Top gear episode that implied that the shiny new vehicle was defective (the reason why Tesla sued Top gear).

We were fascinated by what this technology meant for our future, so I ended up routinely discussing it with my friends in their twenties over coffee.

After all, it was pretty much something out of a science fiction novel: a lively sports car that ran solely on lithium batteries. It was like an exciting science experiment that you could try for yourself if you had $ 101,500 to spare.

Sasha was convinced that the whole industry would collapse and burn; I didn’t think people wanted to spend more than $ 100,000 to own an unreliable device because they had to charge “like an iPod.”

And he was right, at least about the Tesla Roadster’s short lifespan.

It was on the market for about four years and less than 2,500 were sold. It was a failure for the most part. Even Tesla CEO Elon Musk said so.

But, as is often the case, failure helped pave the way for a success story of epic proportions.

See, the Roadster launched Tesla on a trajectory that has boosted its stock 1,081% in the last five years. The Tesla brand now routinely makes headlines on major news sites. And Tesla’s success is just beginning, despite the bumpy road – it’s the shortest stock on Wall Street right now because of the fears that have always surrounded groundbreaking technology in its infancy.

That success is just one indicator of how this technology will completely revolutionize the automotive market, despite what my pessimistic friend Sasha predicted.

Look, electric cars are already capturing the imaginations of people around the world.

In fact, UBS bank forecasts that electric vehicles will account for 14% of global car sales by 2025, up from 1% today. Countries are wisely preparing for this change in the car market: Australia is already preparing to build the world’s longest “electric highway”, spanning 1,250 miles and 18 sports stations. Better yet, France and the UK recently announced that they will ban gasoline cars by 2040.

And brands and governments are increasingly working together to bring this piece of green energy into the mainstream by offering incentives: For example, BMW and Nissan just started offering discounts to San Diego residents that, when combined with a Federal tax credit of up to $ 7,500 and a state discount of $ 2,500: Reduces $ 20,000 on the cost of a new electric car.

To top it off, Volvo stated that from 2019 it will only make electric or hybrid cars.

Meanwhile, technology continues to develop by leaps and bounds: Top gear He recently drove the highly anticipated Tesla Model S around 670 miles on a single charge, though I admit it was in unrealistic condition considering it was driven in the summer with the air conditioning turned off. It’s not something you could do in South Florida without dying from heat stroke.

But this powerful machinery is the reason why many experts have reserved one of these bad boys for themselves. For the sake of comparison, the standard Tesla Model S 100D lasts about 300 miles. And that was already impressive.

As countries continue to lessen the burden of owning an electric car, technology continues to evolve and institutions focus on making it more affordable miles; many of the obstacles to this innovative lithium technology are falling by the wayside.

All of this shows just how shortsighted the detractors of electric cars (and Tesla) are.

So as an investor, if you haven’t entered this market, now is absolutely the time to start researching the technology-based opportunities that are sure to benefit. You don’t want to be left behind as the next great automotive revolution looms.

TIBCO Developer Library – What is TIBCO Policy Manager?

Today, many companies are concerned not only with the operations and functions of different business processes, but also with how these processes are used, managed, and secured. In the formulation and design of the services, the functionality and the policies that govern the use of these services are considered by the technical team. Therefore, it takes a lot of time and effort to finalize and implement these services, as both the functionality and the policies are hard-coded and it doesn’t provide much flexibility in case some variable values ​​have to be changed over time. To address this problem, as well as to shorten the time it takes to develop and deploy functionality and policies, TIBCO Policy Manager provides a solution to this problem by separating policy formulation from functionality, providing configurable policy templates, and making declarative policies rather than procedural, allowing dynamic companies to easily adjust as circumstances demand. It also makes policy formulation very simple, as even personnel who do not have sufficient knowledge and experience in policy formulation, such as people in the administration or management department of a company, can define policies. This document presents several questions about Policy Manager, such as the definition of Policy Manager, how it is used, and its features and benefits.

1. What is Policy Manager?

Policy Manager is TIBCO software that monitors and directs policies to services implemented in TIBCO ActiveMatrix Service Grid software. It makes policy-based governance simpler, easier, and more manageable. Control over security and other aspects of Service Oriented Architecture can be easily controlled and changed; therefore, it is flexible. It also extends policy-based governance to services implemented outside of ActiveMatrix Service Grid environments, such as those implemented through TIBCO BusinessWorks. This can be done using the TIBCO ActiveMatrix Policy Agent.

2. What is meant by run-time governance?

Runtime governance is a feature of Policy Manager that separates the functionality of a service from the policies on how the service is used.

3. Differentiate the functionality of the policy.

Functionality refers to the daily activities within your business, such as debiting an account, releasing checks, and the like. Policies are declarative conditions, variable values, and key factors that modify the daily operations of functional units, affecting performance and safety.

4. What are the advantages of declaring policies at runtime over hard-coding policies on functional components?

You can separate the creation of functionality by IT from the formulation and implementation of policies by management. Therefore, you can save time, resources, and effort. You can maximize the use of declarative policies by reusing the policy templates available in Policy Manager. You can define declarative policies in a concise way that merges policy templates with a small number of parameters that can be set and adjusted according to a specific business situation. Since policies are declarative rather than procedural, they are easier to understand and change as you need to keep up with the demands and requirements of dynamic businesses.

5. What are the sample policies that you can use in Policy Manager?

Most of the policies that you can easily use in Policy Manager are related to security and registry. You can use a policy that adds a digital signature to outgoing messages sent to the provider and validates that digital signature on incoming messages received by the provider. There is also a policy that filters request messages by verifying that the requestor has valid credentials and the proper access permissions for the request. If the request passes the selection, the agent forwards it to the service. If it fails, the agent logs the rejected message and does not forward it to the service. A policy can also encrypt messages when they leave an endpoint and decrypt messages when they enter an endpoint. There is also a policy that automatically attaches credentials to request messages before they reach the messages. When an error occurs, a policy can record its details and this can be studied by the administrator.

6. What are the three conceptual components of TIBCO ActiveMatrix policy software?

The three conceptual components of TIBCO ActiveMatrix policy software are the Policy Manager Console, the Central Service, and the Policy Agents. The Policy Manager console is a friendly graphical user interface that allows appropriate users to define and manage policies and monitor them. You can have the console in two forms as a TIBCO ActiveMatrix Administrator plug-in for Service Grid users, or as a TIBCO Administrator plug-in for Policy Agent and BusinessWorks users. The core service is a set of network applications that provide the underlying infrastructure for Policy Manager, such as database repository, validation, and distribution. Policy agents enforce policies by intercepting and analyzing messages to and from managed services and processing them according to applied policies. You can have a node agent or a proxy agent. A node agent enforces policies for services deployed on ActiveMatrix service grid nodes, while you use a proxy agent to enforce policies for non-ActiveMatrix services. When you deploy services to the ActiveMatrix Service Grid, these services are automatically registered and managed in Policy Manager. Non-ActiveMatrix services must be explicitly registered and managed by proxy agents.

7. Give an example of policy enforcement.

For example, the consumer sends a request message. The policy agent intercepts the message and encrypts the outgoing data. Before that message reaches the provider, another agent intercepts the message and enforces policies that verify credentials and access permissions, decrypt incoming data, and log requests. The provider processes a request and sends a response message. Before that message is returned to the consumer, an agent encrypts the message, attaches a digital signature, and collects response time statistics. Before the message actually reaches the consumer, another agent intercepts it, decrypts the incoming data, and verifies the digital signatures. Finally, the consumer receives the response message.

8. Differentiate an end point from a managed end point.

An endpoint is an address to interact with services. Similarly, a managed endpoint is also an endpoint in its own right, but it is where an agent can enforce policies.

9. What are the four phases involved in creating and applying policies?

The four phases involved in creating and enforcing policies are as follows: First, register your services. This means that the WSDL data about the service is extracted and recorded in the database. Second, manage the services. Managing means designating one or more endpoints as managed endpoints and instructing the agent to manage those endpoints or to intercept and inspect messages on all relevant endpoints that belong to that service. Third, you can now define policies. Select a policy template and provide the values ​​for the template variables based on a specific situation or your business needs. You can define, for example, the name of policies, endpoints, identity management systems, and connections. You must specify the criteria for selecting target policies for services. Fourth and last, you can now apply policies. After defining the policies, the policies assigned to the services are saved in the database. The target service is validated and the details of the application are sent to the appropriate policy agents.

10. Give examples of infrastructure resources and how they are used in Policy Manager.

Certain infrastructure resources are available in Policy Manager. All you need to do is register and define them. It has the keystore suite, identity management system, connections, and Universal Description Discovery and Integration (UDDI). Keystore sets contain certificates and key information for encryption, decryption, signing, and others for this purpose. Identity Management Systems (IMS) are directory systems similar to domain name systems for the Internet. IMS provides identity-based access control to systems and resources. The IMS supported in Policy Manager are Lightweight Directory Access Protocol (LDAP) and CA SiteMinder servers. Connection refers to the messaging service. The supported messaging service in Policy Manager is Java Message Service. Lastly, we have the UDDI registry that maintains public information about available services, endpoints, policies, and related resources. Except for JMS, all of these infrastructure resources are automatically directed to all agents. JMS is only automatically available to all proxy agents, but not to node agents, as ActiveMatrix services use the Service Grid messaging service.

Therefore, TIBCO Policy Manager is a powerful and dynamic software that is useful for all types of companies when it comes to providing security and control of the use of services. If you want to leverage your business and make service development and your security faster, more reliable and more efficient, the best option is to use Policy Manager.

How to Work Out at Your Desk: Use a Balance Ball Chair

Wondering how to exercise at your desk? Do you want to know the chair exercises that you can do at work? You will learn it here. Getting beneficial exercise at your desk is easy and will help you in many ways, not to mention weight loss.

Many people spend hours, too many hours a day, sitting at their desk. Sitting in a sedentary position for many hours a day is not good and can contribute to a number of mental and physical health problems.

It’s no wonder so many people want to know how to exercise at their desk.

Well, the latest fitness craze may be the ticket if you’re looking for desk workouts.

That fitness rage is the balance ball chair. It is a type of chair that combines the frame and back of a normal desk chair with those of a fitness or exercise ball.

Wherever you seem to look, offices across the country are filled with these newly designed fitness-oriented chairs. It is easy to see why they are so popular as a medium for simple exercises in an armchair.

Sitting at your desk with a fitness ball is not a new idea, people have been doing it for years. But sitting on a ball all day required a lot of work. The ball chair idea is much better and easier. It is like a chair with a backrest and casters. Think of the chair cushion as an exercise ball.

In pretty simple terms, all one has to do is sit in this balance ball chair for exercise at your desk. As you sit in this chair, to keep your balance, your body has to constantly make a series of very small adjustments. These adjustments are hardly noticeable, but they provide enormous benefits.

The many benefits of sitting at your desk in a balance ball chair include:

  • Improved circulation
  • Less leg cramps
  • Proper spinal alignment
  • Allows you to constantly burn calories at your desk
  • Improved balance
  • Less mental fatigue and more energy.
  • Stronger core and abs

When you buy a chair like this, you will have to make some decisions. You will need to make sure that the chair adapts to the weight of the person who will be sitting in it. Most standard chairs will be suitable for a person weighing up to 250 pounds.

You also need to make sure that the chair is height adjustable so that it aligns properly with the height of your desk.

It’s also not a bad idea to get a special pump to help keep the ball properly inflated.

PS3 Repair Cost: How Much Does It Cost To Repair Your PS3?

It really sucks that your PS3 is broken. So now you are looking for a solution for PS3. Well, the most obvious is to send your console to Sony. But how much does the PS3 repair cost if you send it to Sony?

If you were to send your console to Sony, you would be charged around $ 150, unless your PS3 is under warranty. That is pretty steep; Especially considering that the cost of a new slim is around $ 300! There are some other downsides to sending your console to Sony such as having to wait up to 6 weeks for your console to be returned to you and when you finally get it back you will find that Sony has erased the hard drive … saved games, music, videos, etc. . There are a few advantages to shipping your console to Sony:

  • The creator will repair your console, so it should be able to solve the problem.
  • You get a 3-month warranty on the console after repairs

Note: If your PS3 is still under warranty, I would recommend that you send your console to Sony. Opening your PS3 will void the warranty.

Cheapest PS3 Repair Cost Option

There is a much cheaper PS3 repair cost option – get a good repair guide and repair the PS3 yourself! There are many good repair guides that cost less than $ 50 and come with features like:

  • Step by step instructions
  • Photos and videos
  • Some kind of support to help you if you get stuck, like email support or a members area … or both
  • A money back guarantee so you can get your money back if it doesn’t work

There are other benefits of having a good repair guide. Some of them have 1 hour arrays and allow you to retain the contents of your console’s hard drive.

Getting a PS3 repair guide and repairing your console yourself is the cheapest repair cost option and the fastest option to repair the PS3 for those whose warranty has expired.

Easy Healthy Diet From Paleo Cookbooks

Everyone in this universe wants to lead a healthy life. Most of us are not successful in achieving normal bodily health. Obesity is the main problem for many of us. No need to waste time in the gym sweating with heavy objects. Simply increasing our general daily activity levels can further improve our health. Diet and fitness are a fundamental part of our daily activity. When it comes to diet, we must be careful with the type of food we eat and the degree of nutrition our body consumes. An adequate proportion of food intake and the level of nutrients are the causes to improve our health.

When it comes to eating habits, we are all designed to eat fresh fruits, vegetables, nuts, seeds, and animals. This is the ultimate secret (not really a secret) to optimal health, losing weight, staying slim, improving performance, reducing your risk of injury, and faster recovery and healing.

After a lot of trial and error, I finally discovered that it is always better and safe to go for nature. Honestly speaking, I am not a good cook. Once I bought the Paleo cookbooks, I found the recipes and instructions very simple and I was able to cook tasty meals. I found that my diet was almost the opposite of what everyone ate. I even spent less time thinking about food and more time just enjoying a healthy and vibrant life. I was able to create many interesting recipes that helped me steer away from sweets and fried foods. My BMI (body mass index) dropped the most in one month. I realized that I was smart about making the right changes in my life to achieve good health.

Paleo cookbooks introduced many delicious recipes which is a diet designed by nature. These books have shown positive results for many of us, such as good weight loss results, increased energy levels, glowing, smooth skin, and a strong immune system. Eating natural foods that make up the Paleo diet promotes such wonderful results.

The main reason to follow this cookbook is that it is always safe to follow a Paleo diet. The Paleo Diet is based on what our prehistoric human ancestors ate. During the Paleolithic era, our ancestors used to eat the foods of nature. They did not suffer from diabetes, obesity, heart disease, cancer, the autoimmune system, and other chronic disorders. Their natural way of life made them healthy, fit and strong. It is interesting to know that death rates were very low in places like Japan and the Mediterranean compared to other places. This is because their eating habits were Paleolithic.

In this cookbook we do not find processed foods, preservatives, vegetable oils, soft drinks, legumes and dairy products. Instead, there are many recipes for eggs, fish, fruits, vegetables, shellfish, shellfish, and nuts. For our convenience, they have included a guide to cooking a healthy diet, easy cook time charts, a guide to cooking fat, and meat charts to help us understand the Paleo diet and stay on track for a healthier diet and enjoyment. of better health. It is not too late to change our habits and establish a healthy lifestyle. So don’t waste time cracking your head, doing a lot of trial and error in your search for a healthy recipe. My best suggestion for the recipe that suits your body in every way is the Paleo cookbooks.

All materials are digital and instantly available in PDF format compatible with any computer. That means you can enjoy everything today. This is the perfect cookbook for quick Paleo recipe ideas, as well as time- and cost-saving options.

High in estrogen? The 5 main symptoms

High estrogen levels are not a very popular topic for menopausal women these days.

In fact, the hottest topic in menopause is low estrogen, but what about all the women who experience high estrogen symptoms?

Typically, women in perimenopause (the early stages of menopause) experience estrogen-predominant symptoms before experiencing low-estrogen symptoms.

Why? During this time, our progesterone levels are low. Progesterone is a hormone that balances estrogen, so a low level of progesterone allows estrogen to dominate and we experience estrogen dominance symptoms even if our estrogen levels are normal.

1. Weight gain

Average perimenopausal and menopausal women gain 5 to 12 pounds.

Oh! Too much estrogen can slow down your metabolism and enlarge the fat cells in your abdomen and thighs.

Stay away from refined carbohydrates, participate in an exercise program that you enjoy, and eat your veggies.

2. Tender breasts

Oh! This is not funny. It is difficult to function when your breasts are sore. You have probably noticed that as you progress through your menstrual cycle, your breasts tend to sore just before your period comes. This is when your estrogen level rises and your breasts become fuller and more fluid. All of this makes our breasts tender.

It’s a bit harder to predict breast pain if you’re perimenopausal and have irregular periods.

Incorporating omega-3 fats, fruits, vegetables, and high-fiber foods into your diet will help you feel better.

3. Uterine fibroids

Uterine fibroids are the most common type of fibroid found in women. They are non-cancerous growths of tissue and muscle in the uterus.

While they are not cancerous, they can cause bleeding and other unpleasant symptoms. Also, in a very small number of cases, uterine fibroids can pose a high risk of cancer, so see your doctor!

Excess estrogen promotes the growth of uterine fibroids, as does high blood pressure and obesity.

4. Fatigue

Extreme tiredness is another symptom of high estrogen levels. Fatigue can manifest as exhaustion or you can have headaches, joint pain, muscle aches, or fever.

After being fatigued for a long time, it’s easy to slip into depression, so see your doctor and discuss treatment options if you feel consistently tired.

5. Headaches

While the exact cause of menopausal headaches and migraines is difficult to pin down, it’s clear that changing hormones and too much estrogen can make our heads throb.

Some birth control pills can cause headaches in addition to not getting enough sleep and excess caffeine and chocolate.

Many women use the herb feverfew to decrease menopausal migraines.

To help!

Increasing your progesterone level will help treat these symptoms.

You can use progesterone cream by rubbing 1/2 to 1/4 teaspoon on your face, thighs, stomach, or neck once a day. Progesterone cream will also help your skin look fresh and plump, so there is an added benefit to using it!

Horse Rescue United – Saving the Horses

You never know when the paths cross, if it is for a reason, if it is by chance, or perhaps by fate. When I received an email letter from Horse Rescue United stating their mission, their commitment to saving as many horses as they could, it touched my heart and I wanted to know more, so I contacted them and had many questions. ..

Tell me about Horse Rescue United. What is your mission?

Spokesperson and Vice President Diane Tuorto explained, “Horse Rescue United, Inc. (HRU) saves horses from neglect, abuse, neglect and slaughter. We specialize in retraining and rehoming standard breed horses. Always Whenever possible, HRU buys horses destined for slaughter at auction and finds a home for them, and also helps the owner-delivered find a place before they end up in the wrong hands. “

How did HRU start? How did it all begin?

“I got involved by realizing the slaughter of American horses on Facebook,” says Anouk, the founder. “In March 2010, there were two standard breed Amish geldings at auction. So I stepped in and asked if my friends could help finance them. We got the money and another ransom stepped in to take them home after we bought them. That was it. it is what prompted me to initiate a real rescue. “

Are you specific to a breed? Just standard breeds?

“We specialize in Standardbreds but we save horses of all breeds,” says Diana Tuorto. “We have helped thoroughbred, quarter mile and also Belgians.”

What is involved in rescuing a horse? How do you save the animal?

“We take great care of handing over owners. Some are ex-racehorses that just need new homes and second races,” says Tuorto. “Others may be starving or neglected and need our help. Our goal is to get them out of harm’s way and rehabilitate and retrain them if necessary. If we go to an auction to rescue a horse, we focus on those in danger of selling cheap. to kill buyers. We saved four horses at a New Holland auction for just over $ 500 in early 2011. “

What is the general condition of the horse in rescue circumstances?

“It varies. We have saved a lot of abandoned skinny horses, both owner-delivered and auctioned, but many of the owner-delivered ex-racehorses come to us in perfect condition. Many are delivered by trainers and owners who want to. their horses are protected for life by our contract and they don’t want them to end up in the wrong hands. Other horses have scars from abuse or neglect. It really varies. “

Tell me about some of the horses. As they are? What is your story?

“Tristan was saved from shipping to the New Holland auction slaughterhouse on January 3, 2011. He was found with cancer in his right eye and taken to the New Bolton clinic. Sadly, Tristan’s cancer has already spread to His bones. To keep him more comfortable, his cancerous eye was removed in October 2011. While there is no way of knowing how long Tristan has left, we hope that he will be able to live happily and comfortably for some time. “

“Jessica was probably an Amish ex-horse who was saved from slaughter through a New Holland auction. We were able to save her for only $ 75. She was thin and terrified people. She’s come a long way in two years and still needs a home.

“Trolley is a Quarter Horse mare that was found at auction with a horrendous hole in her head. She is believed to have hit a pole or someone stabbed her. Two surgeries later, the wound is healing and she is happy and healthy in a foster home with one of our volunteers. Since 2010, we have helped over 50 horses. “

If you could attract the reader personally, right now, in this article, what would you say?

Tuorto didn’t even hesitate. She knows the answer; they live it every day at HRU. “I would tell them that adopting a horse saves two lives; the horse that they take home and the horse that we can save in their place. I would ask you, please … to help us save the horses.”

How To Build A Garage – Save Thousands By Building A DIY Garage Vs Hiring A Contractor

Learning how to build a garage is not as overwhelming as you might expect, well, at least for freestanding structures. Homeowners who build their own garage can save thousands by hiring a builder who, in many cases, will outsource to the same construction crews that you may hire. Or if you’re feeling adventurous, or just thrifty, you can invite friends over for a few beers over the weekend and put them to work.

There are many elements to consider during the initial planning stage, such as:

Garage Size: One-car, two-car, or even three-car garages can be designed in various sizes, but the lot and the owner’s budget are generally the limiting factors. Local building codes vary, but typically a structure should not encroach within eight feet of property lines in rural areas and zero to four feet in city limits. Detached garages should also be away from other buildings by a minimum of eight feet, but this should be confirmed with the building’s local offices, as omens vary. An important consideration is the roof overhang. Eave and gable overhangs are typically 12 “to 24” (although less than 12 “is common in windy areas) and should be considered when determining the size and location of the building.

One method of determining the perfect size is to add 12 ‘to 15’ width for each vehicle. If you plan to use the interior walls on the sides for storage, this will require another two feet of width per side. Length should be a minimum of 22 ‘and add four to ten feet for a workbench and storage. A two-car garage could be calculated as 2 x 12 ‘+ 4’ for storage along each wall = 28 ‘x 22’ long without a workbench. Common sizes include:

1. A car: Common garage sizes include 12 ‘x 24’, 14 ‘x 24’, and 16 ‘x 24’. A length of twenty-four feet is practically the minimum if you have a full-size truck, and even with a small or midsize car there will be little room for maneuver at twenty or twenty-two feet.

2. Two cars: The most common garage size in many states and provinces is 24 ‘x 24’ because many building codes require a designed drawing and two inspections by a structural engineer for larger floating (monolithic) concrete slabs. than this size. If space is at a premium and the two cars are small to medium in size, a 20 ‘width may be adequate, but it’s certainly not comfortable.

3. Three cars: There are many sizes of three car garages because there is more room for numerous designs and homeowners often have larger budgets when considering these larger construction projects. Common sizes are 36 ‘- 42’ wide by 26 ‘- 30’ long.

Foundation: Floating slab (monolithic) and slab with frost wall are the two most common foundation options. Floating slab is less expensive and easier to build, but often requires an engineering drawing and two inspections for larger concrete slabs (i.e. 24 ‘x 24’). In cold climates, many contractors install 2.5 “foundation foam under concrete to reduce uplift during freeze / thaw events. Floating slabs designed in cold climates generally require this with an additional two feet extending around the perimeter of the slab. .

Adding 6 ‘x 6’ # 10 wire mesh to the slab is an economical method of increasing the strength of the floor and reducing cracking of the concrete. Most contractors install floating slabs with a thickened concrete perimeter 12 “to 16” thick around the outer 16 “to 24” of the perimeter. Add two rows of rebar n. 4 will increase the edges. Concrete strength must be a minimum of 3000 psi and many contractors use 4000 and 4500 psi as the additional cost is minimal. Another consideration is the order of concrete with fiber mesh and macrosynthetic fiber used for the secondary reinforcement of the concrete. Local concrete suppliers can provide the costs of adding this to concrete. The thickness of the slab depends on the strength of the concrete and reinforcement designs, however a good rule of thumb is to pour a slab 4 “or more thick.

The minimum depth of the ice wall is determined by local building codes and is typically 48 “in cold climates and 36” in more moderate areas. Once the trench is dug, a footing approximately 12 “wide by 8” thick is formed and poured and a keyway is etched along the footing to prevent movement of the concrete wall. The frost wall is formed and poured over the base and anchor bolts are installed in it to attach the walls to the base. The concrete slab is then poured to the designed thickness. Obviously, this foundation system requires more time and expense.

Wall Construction – If the garage is to be insulated now or possibly in the future, the size of the wall studs is important, as the 2 “x 6” studs allow for more insulation that can meet the requirements of the building code (for apartment garages) than 2 “. x 4” studs. Of course, the 2 “x 6” studs are louder, resulting in a more structural-sounding building.

Wall Height – Walls are generally 8 ‘, but 9’ and 10 ‘walls are common. In downtown areas, there is often a height restriction on structures, such as less than 16 ‘to the peak of the roof based on the average height of the four corners measuring at grade. This means that you can get a bit more height if the garage is located on a bench with a concrete curb or retaining wall at this end and is filled to the top of the retaining wall. Another method to maximize height in these areas is to pour a 12 “concrete curb around the perimeter of the concrete slab and backfill the soil to the top of the curb and level away from the structure. This method can gain 12” of height while still complying with the Height restrictions (please confirm this will be done by the local building offices before implementing this strategy)

Garage door placement: Garage doors can be on the gable or eaves side. Some things to consider:

1. The layout of the existing home can dictate the direction of the roof line. One method to help visualize this is to take a photograph of the house and include the area where the garage will be built. Print two copies of the image and draw by hand in the garage using the gable and eaves options.

2. If the garage will be built in cold weather, the garage doors at the gable end are better designed as snow and ice will slide off the end of the eaves.

3. Flexibility with gable end garage doors allows height for future parking area.

Roof Style – Often times the roof style is dictated by the existing house, for example if the house has a hipped roof this would be a good option for the garage. If it is a DIY project and the owner is building the garage, it should be noted that it is more difficult to build a hipped roof than to install standard trusses. The slope of the roof must also be taken into account and often must match the existing house. A roof pitch of less than 4/12 (increases 4 “for every 12” of travel or length) is not recommended due to an increased likelihood of water leaks. Higher slope ceilings with certain lattice designs can allow for storage, loft, or even apartments above the main level. The most common roof trusses for garage roof design include:

1. Standard Fink – This is the most common residential truss.

2. Double fink: Designed to handle heavy loads for higher snow load requirements.

3. Attic: Common for designs that allow storage above the main floor. Access can be by ladders or folding ladders in the attic and the available option may be determined by local building codes.

4. Scissor – This option provides cathedral ceilings (vaulted) that provide more interior ceiling height. For example, a 24 ‘x 24’ garage with an 8/12 pitch may have a ceiling height of 12 ‘in the center and 8’ at the wall. This system is generally compared to building with regular trusses and taller walls.

If it’s a DIY garage project, don’t forget to order two gable trusses for each gable end. Otherwise, two regular trusses will require wood filler to join the siding and siding (not to mention the building inspector may fail the structure inspection. If you are insulating the roof, consider ordering “raised heel” trusses for allow adequate insulation between the top wall plate and the ceiling This is the only way to meet many attic insulation level requirements (ie R40).

Garage Blueprints – Once the decisions on the items above are made, it’s time to get the garage blueprints for the builder and building permit application. It’s important to get good quality garage plans that are easy to follow, accurate, and provide a bill of materials (well, a bill of materials is not important, but it will certainly save a lot of time). There are several websites that offer garage plans created by dozens and hundreds of different companies, so consistency and quality control are something to consider. There are a couple of companies that do their own in-house copywriting and an internet search should find these companies. Another option is to hire a local draftsman to create the garage plans.

Lot Plan (Plan): The building compliance department will require a drawing showing (site plan) the lot with existing structures, proposed structure, and property boundaries with measurements indicating distances between property boundaries and structures. This can be a hand-drawn diagram of a marked copy of the plan / plan. The building department may require a survey to confirm the accuracy of the measurements for the precise garage location requirements.

Building Permit – Schedule an appointment to meet with a building inspector to discuss the project and present the garage plans, bill of materials, and site plan to the building department. A building permit can be issued at this time or the building inspector will need a few days to a couple of weeks to review the documents.