Monthly Archives

April 2018

What Is A Payor Rider For Life Insurance?

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Life insurance products can be confusing, but very important when protecting your families future and your personal estate. Attached to each life insurance policy are riders, options, exclusions, provisions and waivers. A rider is a separate document that “rides” or attaches to the main life insurance policy that gives special provisions that provide benefits or make adjustments to the policy.

In most cases with juvenile life insurance policies, a parent or guardian is the policy owner that pays the premium and coverage, while the child is the insured. A payor rider on a policy will cease premium payments of premium if the parent (policy owner) becomes disabled or dies. The payments will become waived by the insurance company until the child has reached a certain age, usually ages 21 or 25.

A payor rider will apply when the payor dies or becomes disabled before the insured has reached an age that is stated in the policy, the insurance policy will still remain in force. This can be applied to death only or death and disability.

The payor rider guarantees the possibility that the juvenile insurance policy will achieve what it’s policy owner wanted it to do, even if the parent/policy owner isn’t there to see it happen. If the parent isn’t able to pay premiums, it still guarantees that the child will have an insurance policy.

This rider does expose the life insurance company to a greater risk, so they must charge higher premiums for the payor rider. The insurance company will manage these risks and pool all their policies together and determine the proper amount to charge to add the rider on. As with any other business, the insurance company is trying to make money. They employ actuaries that complete complex algorithms to arrive at figures which minimize risk, make the company money and while still being competitive in pricing against other insurance companies.

When the policy owner applies for the payor rider, they must prove that they are qualified for the benefit of the rider. This is done in many aspects including medically, morally, and financially. Before the insurer will include a payor rider with the juvenile policy, the policy owner or payor, must provide proof of insurability.

When applying for life insurance policies, make sure that your insurance agent explains all aspects of the policy thoroughly. An applicant will also have a “free look” at all policies, in which it gives the policy owner a time to review the agreement. Many riders can be included to polices that can be beneficial which could be added on for free or have an additional charge.


Source by Patrick OShea

16 Green Ways to Recycle Old Memory Foam Mattress Toppers

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Most memory foam mattress toppers have a lifespan of only 5 years. After that the foam loses the ability to regain shape and gradually start to sag. A lot of people change mattress topper after this period, that means there is quite a bit of waste out there. Instead of increasing your carbon foot prints what can you do something more eco-friendly? The most opted option is to recycle the foam as it can be 100% recycled. Some manufactures also take used toppers, so that’s another way.

But instead of just throwing them away I have some unique ideas that will convert your old memory foam mattress topper into something completely new and eco-friendly.

1. Stuffing for toys

Why not? They make an excellent stuffing material for toys. Cut them into small pieces and use them to stuff toys for your kids. Also you can make toys out of them and even sell on eBay or Etsy!

2. Bean bags

A bean bag can be made more comfortable by filling half of it with pieces of memory foam. Or you can sew a new bag and fill it completely with foam pieces, this will give quite a decoration for your living room.

3. Donate

Donate them to the homeless or shelter homes. Many of them do not have enough beds to accommodate homeless people, donating to them would be a good thing you do for the society.

4. Car seat pads

You can cut the foam and use it as padding for car seats. They can also be wrapped in fabric or leather and used as head support.

5. Wheel chair pads

Resize and give them to a person on wheel chair. They can be used as padding and help the person sit more comfortably.

6. Halloween costume

Your old memory foam topper can come handy during Halloween. A lot of costumes require bulges and this is an excellent choice for that.

7. Cushions for hardwood chairs

Not comfortable sitting on your hardwood chair? Make some cushions out of your ‘to be disposed’ topper.

8. Stuffing for pillows

They can be used to make pillows for your kids and pets. Cut them into small pieces and stuff them inside the pillow.

9. Dishwashing sponges

We use hundreds of sponges a year. Why not cut your topper into square pieces and use them as dishwashing sponges. That is a lot better than just throwing them away.

10. Sell on Craigslist

OK, this is not a DIY project. But definitely I have seen people selling and buying old mattress toppers on Craigslist, may be for their own DIY projects.

11. Floor cushions

Cut them into large square pieces and cover them with decorative fabrics. They will make great floor cushions.

12. Pet bed

I wonder why people often forget this. This is an excellent idea to reuse your old topper. Cut it and make a bed for your lovely pet. Cover it with a waterproof cover, the foam doesn’t go well with pee.

13. Headboard

It is an excellent material to be used as padding for a headboard. If you were longing for a headboard for your bed then this is the right time to get one.

14. Use as an outdoor day bed

Use it on a day bed in your garden or patio.

15. Packing, moving material

They can be used to keep things intact while packing and moving. Vacuum storage bags are a good way to keep them stored till needed.

16. Gardening knee cushion

Gardening is an excellent hobby but all that sowing and weeding can be a little tough on your knees. Your old topper will be an excellent choice to make a home-made knee cushion.


Source by Mejason John

Changing Carpet Stairs To Wood – Do I Rebuild Or Reface?

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Carpeted stairs are passé. Hardwood stairs are the way to go, but is it possible to replace carpet on stairs with wood, without destroying the house, living under the mess of a construction site for months on end or selling your only child to the bank? Absolutely, as long as you can answer yes to two questions!

Tearing the house apart to redo your stairs just doesn’t make sense. Besides to build a standard set of hardwood stairs probably costs four times more that taking your existing stairs and changing carpet stairs to hardwood steps, in a wood species to compliment the balance of your home decorating. It is not unusual to save thousand of dollars. So what do you need to answer first?

Question number one: Are your existing stairs structurally sound? In other words if I were to remove the carpet and add a few (or a lot) of screws to the existing structure would they meet the existing building code and NOT squeak in daily use. If this isn’t the case then give up and start from scratch before you waste any more money!

Question number two: Are you happy with the overall layout of your steps? Are they a suitable size, rising enough on each step to be safe and offering enough depth for you to comfortably plant your foot? Many do-it-yourselfer’s and even those in the trade, have trouble with the math used in constructing steps. They often think that when you get to the point of wanting to replace carpet on stairs with wood, that you can also play with the overall layout by adding width to an existing set of treads. They think that if they build up the front of the stair under the nosing it will give them a longer run. They forget that if you do this to every step it kind of cancels each other out, so your layout must be acceptable as is.

Thus, if you are happy with your existing “rise and run,” then you are in the ideal position to recover these stairs. Hardwood of any species can be used for the job, thus here is a list of steps for changing carpet stairs to wood.

Step #1: Remove the carpet, tacker strips and/or any residual glue. Don’t worry if the wood gets gouged in the process.

Step #2: Cut off the existing nosing of the construction stairs on both the front and if you have an open end, there too.

Step #3: Remove and store any spindles that may be drilled into the stairs. Leave the newel posts in place. You can work around them, unless of course your intent is to have a new railing as well.

Step #4: Use a matching hardwood veneered plywood to face the back riser and stringer. No point in using solid hardwood here as it doesn’t take any wear in this location and solids are much harder to work with.

Step #5: Glue down solid hardwood plank stairs to the face of your old treads, using construction glue. Glue that is in a caulking tube is the easiest to apply, otherwise use a small notched trowel to spread, especially when applying it to the ¼” plywood or bulges will be obvious.

Step #6: Replace your spindles and trim any corners with appropriate mouldings to hide seams between the plywood used for the riser and that used for the stringer.

Further: It is best to pre-finish all the plywood and treads before you install. Polyurethanes typically take 48 hours to come to full strength so it can tie up your steps for a bit of time if you chose to do the finishing on site. Besides it is easier to avoid runs if everything can be finished while on the flat.

For further information on replacing stair treads, changing carpet stairs to wood visit our website: http://www.woodsthebest.com Lots of information on how to order custom made hardwood steps in the size, shape and wood species that you really want plus all the tips on how to install like a seasoned pro. After all precision woodworking is all in the details.


Source by Karen Lacasse

Planning A Garage Woodworking Shop In 3 Easy Steps

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I want to start by saying that I thoroughly enjoy the time I spend in my garage woodworking shop. The reason for that is I took the time beforehand to plan it out. I have a stationary radial arm saw with a fixed work bench, a table saw on a mobile base and folding tables to use when I need them. It's not perfect, but it's the best I can do with what I have. And, I can always make changes in the future.

Whether you are a woodworking hobbyist or a professional craftsman, your garage can provide the perfect area where you can create the ideal woodworking shop. Before you begin though, be sure and have a plan for your garage woodworking shop in writing. That way it is almost impossible to deviate from your plan.

"How do I come up with this plan?" you may ask. Well, in my opinion, you just need to follow these three easy steps.

Step 1. Your first, and most important, step must be to set your financial budget. This may sound incredibly obvious, but it is almost always the largest mistake individuals make when they plan a project such as this. Their dreams can be bigger than their wallets. You should not make any purchases until you know how much money you have available.

Step 2. Next, you will need to determine the amount of floor space you will be able to allocate to your new shop. This information will let you know if you are able to purchase stationary power tools, or portable power tools that must be moved whenever you need to work and stored away when the job is complete.

Step 3. Now that you know how much floor space is available and the type of woodworking power tools you will be purchasing, you will need to create a simple floor plan to determine the size and location of your work benches and storage cabinets. These drawings can just be simple sketches which you can refer to while you build your garage woodworking shop. Since you are building a woodworking shop, you can always buy custom woodworking plans and build your own cabinets.

Here are several other factors to consider while planning your new shop.

  • Is there adequate electrical supply for the power tools?
  • Do you have proper lighting for safe working conditions?
  • Will you need heat supply if you live in cold weather climates?
  • If your garage is attached, or integral, will noise and dust be an issue in the rest of the house?

A properly designed garage woodworking shop can provide you with endless hours of enjoyment with your hobby or profession. A poorly designed shop will bring endless frustration. It all begins with a good plan.


Source by Bo Wagner

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