Home Air FiltersHygienic air is essential to human life, and in this modern age, that requires air cleaners. There are a few different methods of air cleaning, like Filtration, Electro-static Precipitation and Ion Generation. Air Filtration cleans air through the removal of sub-micron particulate, gases and odors.

If you are plagued by allergies or asthma, an air filter might help you. Air filters are the best tools for eradicating allergens from the house. Particularly for those people who are suffering from asthma and allergies, both the U.S. Environmental Protection Agency (EPA) and the American Lung Association recommend air filtration.

The ability to remove allergens and contaminants depends on the amount of air drawn through the filter. Factors that affect filter efficiency include fiber size, fiber density, airflow rate, and particle diameter.

Air filters may be centralized, in-home filtration systems or portable devices. When the air quality problems exist throughout the house, then a centralized filtration system is needed. Otherwise, portable cleaner may serve the purpose of air filtration.

There are four major types of air filters, depending on specific needs. They are:

Mechanical Filters

These filters force air through a special screen that traps pollen, dust particulate, smoke and air-borne irritants and pet dander. The best example of this type of filters is HEPA (High Efficiency Particulate Air) filter.

Gas Phase Filters

These air filters are used for removing odors and other types of pollutants such as gases from cooking, paints, perfume etc. These filters are not meant for the removal of allergens in the home.

Electronic Filters

In these types of filters, allergens are trapped through electrostatic precipitators with a fan. Electronic filters use electric charges to attract contaminants.

Hybrid Filters

These air filters combine electrostatic and mechanical filters. These are used to trap allergens rather than gas based contaminants.

Another type of air filters is the Ozone air filter, but it is not environment-friendly.

When purchasing an air filter, one has to consider things like which type of allergens will be removed, the filter’s efficiency with respect to HEPA standards, the clean air delivery rate (CADR) of the filter, the ease of changing the filter, and the noise that it will make. Changing air filters regularly facilitates is ability to improve the quality of air.

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Almost everyone knows about FHA mortgages. They are tailor-made for first time homebuyers and others with less than perfect credit or other financial issues. You don’t have to be low income or have bad credit to use FHA, but generally the loan limits prohibit high priced homes.

What you may not know about FHA is that there is a special loan program designed to provide the funds to buy or refinance your home PLUS additional funds to make repairs or improvements.

This FHA mortgage is called the 203K and the K is the operative part of the name. Not every lender participates in the rehab loan program, but the major national lenders do. If the loan officer you contact is unaware, then call the corporate office and ask them to direct you.

The FHA 203K loan program calls for an FHA inspector to go over the house, using the plans you gave him. Before you get to this inspection phase, you should be working with a general contractor who understands how to provide plans and specs for a project. Plans and specifications are standard in the contracting industry for anyone managing a project >$5000, which is the minimum rehab amount for this loan program.

The FHA inspector will decide if the project is feasible, depending on whether there is additional work required to bring the property up to code, and whether or not the property will appraise for enough to make the project “worth it”. FHA is willing to lend based on the after-rehab value and will even stretch that value a little in order to get houses brought up to code.

Once the lender is happy with the valuations, the plans and specs, and the inspector’s report, your loan file will be reviewed by an underwriter specially trained and certified in rehab loans. Your credit and finances do not have to be perfect to be approved, but the creditworthiness and qualifications are similar to a regular FHA loan.

One of the benefits of a 203K is that all costs can be added into the project. The fees, permits, closing costs, etc. are all added up and your down payment on the purchase is calculated on the total. If you are refinancing instead of purchasing, the amounts are totaled the same way, but you might already have enough equity in the home to avoid coming up with any cash.

What’s next? Once approved, the loan closes and the rehab portion of the money is escrowed by the lender. The contractor submits requests for payment and each phase is inspected. As soon as the work passes the inspection for completion, the contractor is paid. You can not go back to the well for more money, so your initial plan must be a good one. A contingency fund is usually added in during the total project calculation.

This contingency fund can only be used to fund hidden repairs that were not evident during the initial workup. Any remaining funds in the contingency are used to pay down the mortgage at the end of the project.

The FHA 203K mortgage is not a “piece of cake”, but if you do not qualify for low cost money at the local home improvement equity loan bank, then it is very definitely worth looking into.

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Living Room with Wrought Iron FurnitureA fireplace is a place where you want to enjoy your evenings in chilly winters in a warm, cozy, and relaxing environment. Not only it is functional, it is a place of usual central point of room as well. As fireplaces are so noticeable, it is imperative that this place is made attractive for it deserves attraction.

No other material other than wrought iron is perfect for fireplace decor. Whatever be the design for your fireplace, only the wrought iron decor items look fabulous on the mantle or near the fireplace. Wrought iron goes equally well both in modern look and conventional look when combined with material like stones, pebbles, or bricks.

A few wrought iron products for home decor most sought near a fireplace could be candle stands, mantle clocks and candle holders. Mantle clocks ought to be set in the middle of the mantle and candle holders to be placed on one side of the mantle, presenting them a clustered look. Huge sized, high candle stands find a place on the floor beneath the mantle near the fireplace.

Most of the useful tools for fireplace are made from wrought iron or else these tools would have handles, brooms, pokers, shovels, and tongs made from wrought iron. These tool sets for fireplace are designed to look noticeable so as to be used both as functional as well as elegant fireplace pieces.

If you are planning to give a new look to your living room without a great deal of effort, then wrought iron accessories are the ideal answer. Wrought iron is not only versatile, yet attractive. Wrought iron is just the right combination of both these characteristics and is just the ideal choice for any living room.

Wrought iron is so versatile home decorating material that it fits well with almost any decorating design. Be it be rustic, traditional, modern or contemporary, one can get wrought iron home decor products for every home design.

Wrought iron is a gorgeous material. Wrought iron home decors speak for themselves. These can be used to focus a specific point, or by adding a few bold accessories, you can create a central point in a room. If your living room has a fireplace, putting wrought iron candle holders will certainly add to the style of the fireplace, making it more striking. Or, if you plan to design a focal point on a wall, placing a beautiful piece of wall art of wrought iron along with wrought iron sconces on both sides will certainly be the focal point you desire for.

Wrought iron home decor products entirely transform the appearance of your living room without involvement of any major redecoration projects. As true to its nature, wrought iron material is both versatile and eye catching and will add sparkle to any living room.

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Table SawsA table saw is one of the most popular pieces of tools and machinery used for woodworking. It consists of a circular saw powered by an electric motor that is mounted onto a table. In order to cut, material is pushed through the saw on the top of the table.

It is used mostly for large wood projects such as fences, tables, book shelves, etc. When selecting a table saw it is important to know the different types and the pros and cons of each. The following are the four basic types of table saws and what they have to offer.

Bench top Saws

The bench top saw, also known as the portable saw, does not come all the way to the floor but is meant to be placed on top of a table for support. This is the more lightweight version of the table saws. They usually can be carried by one person from job to job.

The bench top model is preferred for those who are looking for a table saw that is portable and less expensive; however, remember that you always get what you pay for. The bench top saw has the least amount of capability out of any of the table saws. With the decreased size and weight of the saw, it is less durable and there are greater restrictions of the size of projects one can do.

Contractor Saws

Also known as the open-stand saw, the contractor saw is heavier and more durable than the bench top saw. Its circular saw is mounted on a heavy table with an open set of legs. This type of saw is usually preferred for those who have a tool shed at home since it is moderately-priced and does not require any extra voltage than is provided in a regular outlet.

While this model is heavier and less portable than the bench top model, the contractor table saw is still usually moved from job to job (most contractor saws come with wheel attachments to make this easier).

Cabinet Saws

Cabinet table saws have the circular saw attached to a table with a cabinet. It is the largest and the heaviest of the table saws and therefore is not moved around like the other table saws. The cabinet table saw is more durable and has less vibration which makes for a smoother cut.

However, the cabinet saw is more expensive than the other types of saws and usually requires the installation of a heavy circuit. The cabinet saw also has a height and tilt adjustment feature and has better dust collection than the other models.

Hybrid Saws

A hybrid table saw is a lot like the contractor saw with a few key differences. For one thing, it is much more compact than the contractor saw and does not require as much room in your tool shed. The hybrid table saw also offers some of the features of the cabinet saw. With its solid and heavy base, it has the lower vibration of a cabinet saw along with dust control. A contractor saw or a hybrid saw of good quality suits the needs of most woodworkers.

The cabinet saw, contractor saw, hybrid saw, and bench top saw are all types of table saws that will help you in your woodworking projects. Each saw is slightly different to accommodate the certain needs of the woodworker.

One must find what they need out of there table saw before determining what type of model they need. However, for the average woodworking projects, you cannot go wrong with a quality contractor saw.

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