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4 Reasons Why Commercial Insulation is Good For You and The Environment

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Man Installing InsulatorThe high use of electricity contributes to the increasing greenhouse pollution. The high use of heaters and air-conditioning is a big contributor to this global phenomenon. However, insulation is an effective way to regulate internal room temperature which in turn can reduce the heating and cooling cost by 40%.

With the burden of increasing electricity use every year, commercial insulation like Premiere Insulation BOP can help mitigate this burden. Here are four reasons why commercial insulation is best for your home and the environment.

1. Reduce energy costs

An insulated house means a cooler house when summer, and a warmer house during winter. Insulation keeps the heat inside during winter and regulates the entry of heat during summer. In return, insulating can help you save 20-30% on electric bills by reducing the use of appliances to keep your home comfortable

2. Added comfort

Insulation also acts as a sound absorber that can keep noise coming in and out the house. Thus, noise transmission through walls, ceiling, and floors are reduced, making you enjoy the privacy in your home.

3. Health Benefits

Insulation protects your home from moisture by raising the temperature on the insulated surface, therefore, preventing condensation. Condensation may invite moulds and damp to grow in your house, that may, in turn, affect your health.

4. Protects the environment

Insulation decreases the use of energy at home, thereby reducing the use of your heating and cooling appliances. In return, the lesser carbon dioxide emission your house makes, the lower the consumption of the fossil fuels, the smaller impact it makes to the greenhouse effect.

5. Cost effective way to add comfort while saving the environment

Commercial insulation can help regulate your home temperature giving you added comfort and health protection. In turn, it can help you save on electricity cost by reduced use of your appliances, thereby reducing greenhouse gas emission, thus saving the environment.

Pawn a Diamond Ring in 4 Steps

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Diamond RingIf you’re strapped for cash, you’ve maxed out your credit cards, and you don’t have friends or family to borrow some money from, you might want to consider pawning a diamond ring.

Pawn shops are on the rise, thanks in part to TV shows like Pawn Stars. When you pawn a ring or any other piece of jewelry, you’re applying for a loan in exchange for that ring. Typically, you have 30 days to pay the loan back. If you default, the pawnbroker will own that ring and has the right to sell it to make profits.

If you’re considering pawning to generate some much-needed cash, here is what you need to do:

1. Clean your ring.

Use a soft-bristled toothbrush to clean your ring, paying attention to the stone and the prong underneath. Karat markings inside the band may have been exposed to oils and dirt from your body, so make sure to focus on that area too. You are more likely to win a bigger loan with a clean-looking ring.

2. Take an appraisal with you.

If you have an appraisal done within the last two years, take it with you. This will help the pawnbroker understand the important details about your diamond ring, such as the carat, clarity, color, and the type of metal used for the band.

3. Get familiar with the terms.

Terms differ from one pawn shop to another, so you should read and understand the fine print before pawning your diamond ring. Interest rates range anywhere from 6% to 25% and holding periods can be 30 to 90 days depending on the broker.

4. Don’t be afraid to negotiate.

Haggling is expected at pawn shops, so do your best to raise your loan or lower the rates as much as you can. If your ring has historical value or if it has emotional value to you, you are in a better place to ask for higher loans from the pawnbroker.

Remember, pawning a diamond ring does not mean you will get the retail price of your ring. Pawn shops have to be able to sell your ring at a profit if you default on your loan, so don’t go in with the expectation that you’ll get $1,000 for a $1,000 ring.

3 Hobbies that Can Earn You Money

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A Coin Collection Whether you’re looking for a source of side income or you’re tired of working nine to five, there are a lot of ways to make money the unorthodox way. You don’t always have to take on part-time hours working for another employer. Atkinsons Bullion says aside from selling your precious silver and gold coins, you can definitely add an income stream or two to your current sources with the hobbies you already enjoy–with a bit of creativity and inspiration.

Trade and grow your collection

Are you an avid collector? Whether you collect old currency, precious metals, or vintage memorabilia, there’s a niche where you can trade your goods. Look into social media groups and ask where collectors of a certain item can be found. You can sell gold coins to hobbyists, e-commerce sites, and buyers. You can also trade valuable cards, and even grow your toy or popular culture collection while making money.

Sell your creations

Whether you’re a baker, an artist, or a handy craftsman, there’s always a way to earn money from your hobbies. The Internet is full of enterprising creators who sell their works on different platforms, such as social media sites, Etsy, eBay, and even Craigslist. Make sure to learn some tips and tricks on how to market your creations and you’ll surely get a good head start on making money on the side.

Play video games

Believe it or not, there’s money to be had in playing video games. E-sports has been rapidly growing the past decade, opening up several opportunities for making money for hobbyists and hardcore gamers alike. Some gamers are so skilled that they get recruited to teams and basically get paid to play games. You can also explore the idea of streaming yourself while playing, which is also a popular way of generating a side income for gamers.

These are just some ideas that you can explore. List down your hobbies and start researching! You’ll establish a side income stream in no time.

Wonder Women in Military Uniform: Top 3 Reasons to Apply for SAF Merit Scholarship for Women

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A young woman from Singapore The news of women entering the military is no longer new. Many women had joined and succeeded as members of the armed forces in different ages and countries. Nevertheless, women’s decision to join an organisation that used to be exclusive to men is still worth celebrating up to this day.

The Singapore Armed Forces (SAF) is not short on stories of successful and admirable SAF women. If you are a woman who wants to pursue an exciting career, you might want to join the military. You can apply for SAF Merit Scholarship for women. It will not be easy, but below are the top reasons for you to try it out.

Prestige

It has been more than 20 years since the scholarship was created. So far, only around 40 to 50 women have been granted the scholarship. It is not that only a few women were interested. There were lots of them, but the selection process for the scholarship remains too rigid.

Aside from academic performance, the physical fitness of applicants is also taken into consideration. That’s what makes the SAF Merit Scholarship for women one of the hardest to get. It is also one of the best scholarship programs offered to women in the country.

Leadership Roles

The duty of an SAF member is no joke. The country depends on the organisation for peace and security. It is fitting to pick the most efficient members to lead the organisation.

These include women. Those who are given the SAF Merit Scholarship for women get the chance to study and train abroad to hone their skills further. When they go back, leadership positions await them in various branches of the military.

Self-Fulfillment

Are you up for the challenge and thrill of flying a fighter plane? The majority of fighter pilots are men. However, more women are being accepted, trained and commissioned to become fighter pilots. Major Nah Jinping proves that women can survive and thrive despite the physical differences between men and women.

There is also satisfaction in beating the odds that many women face. Take 2LT Lynette Lioh’s experience as an example. She can perform over 60 sit-ups and 60 push-ups better than many men her age. If Major Nah and 2LT Lio can do it, you also can do it, and your first step is the SAF Merit Scholarship for women.

Brigadier-General Gan Siow Huang can also be your inspiration in becoming one of the SAF women. She is among the first batch of recipients of the SAF Merit Scholarship for women. She became a Colonel in 2010, and five years later, she was promoted to Brigadier-General.

Four Components For Inspecting Field Storage Tanks

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Tank Inspection

API standard 653 inspections are regularly done to ensure above ground tank longevity. They can be used as indicators of operational efficiency and safety. It also guarantees that tanks are following state regulatory requirements.

You should have your tanks checked by certified inspectors because they can help you get through the process completely in a professional and timely manner. API 653 storage tank inspections can make sure that your tanks are reliable, safe, and serve their purpose well.

Here are the four components of storage tanks that are subject for inspection.

Bottom, Shell, and Roof Components

First, it is essential to inspect the tank’s bottom, shell, and roof components. Different types of inspections to be performed include the use of tracer gas, vacuum box, liquid penetrant, magnetic particle, and penetrating oil. These are used to inspect the overall structure of the tank components.

Radiography, ultrasonic scan and spot, magnetic flux scan, and visual inspections are also applied to check for corrosion and leaks. These monthly inspections should be logged for future reference. Tank owners or an in-house inspector performs these inspections.

Structure

The inspection of the structure of the tank follows the initial components. Check the maximum corrosion rate, minimum thickness required, and minimum thickness remaining of the tank’s bottom, shell, and roof. The original thickness and corrosion rate, as well as its current status should be listed down. Whatever the results of the initial examination are, frequent inspections of these components should be conducted.

Ground Settlement

Inspecting the ground settlement of a storage tank is also important. This determines whether a tank is settling on the ground properly or is already tilting in its position. Part of inspecting the settlement of a tank includes evaluation of its plane, dish type, and uniform. Its rigid body, localized dispersions, and edge settlement are also assessed.

General Components

API 653 tank inspection also includes evaluation of tank specifications, spill control, and release detection. Keep in mind that internal inspections are due every 10 years, while external inspections are done every 5 years. This is applicable for formal API inspections.

Ensure that your company’s storage tanks meet the requirements. Have professionals use the standard inspections so your manufacturing business will keep on running smoothly.

Metal Buying 101: Understanding the 4 Basic Properties of Steel

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Men working on a steel product

Anyone would probably agree that steel is one of the most important and commonly used materials in the building and construction industry. Without it, you may not start and complete any of your projects.

While the application of steel in many industries has been long established, people still fail to see the differences between materials based on their properties. The truth is that no steel is created equal. Each type has a specific purpose and not knowing this can cause the project to fail. In order to determine which type of metal you’ll need, you must understand the basic physical properties.

Ductility or Malleability

This refers to the ability of the metal to be drawn or formed into various structures based on the given amount of stress put into it. Identifying the ductility of steel is important for you to understand its limitations. This is important if you’re building colossal structures, such as skyscrapers, bridges, as well as commercial and industrial equipment.

Machinability

This mainly refers to the metal’s ability to be cut into various forms. Steel suppliers find this important because it allows them to further improve the overall performance of a particular material when formed into a new one. Unlike the other properties, machinability involves many components because the process is too complicated to quantify. Steel fabricators often examine the material’s machinability manually on a case-by-case basis.

Tensile Strength or Hardness

This characteristic refers to the metal’s resistance from breaking or being stretched under tension. Although it is often confused with ductility, its primary focus is the steel’s durability to resist damages and deformity at a given force.

Weldability or Joinability

Some projects may require alterations and that’s where weldability comes in. Being able to weld or join metal components means lesser preparation time and faster completion for the workers.

To understand the complexities of steel buying, start with differentiating the materials based on these four properties. Only by learning these things, you can overcome the challenge of finding a perfectly graded steel material for your next project.

Mortgage To Do’s after Rates Have Hit Historic Lows

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Mortgage RateRecent mortgage news reveals how the average rates for the 30-year fixed, 15-year fixed, and 5/1 adjustable rate have fallen. In general, mortgage rates have hit historic lows although rates even though have been in constant flux since the start of the year. The news bodes well for borrowers searching for the right mortgage company, since they can take advantage of better rates.

National Averages

According to the recent report, the average rate for the 30-year fixed is at 3.97 percent, down by 7 basis points in the last week. On the other hand, the 15-year fixed went down 2 basis points to 3.16 percent in only a few days. The 5/1 adjustable rate mortgage fell one basis point to 3.15 percent.

Utah Averages

In Utah, the 30-year fixed fell 14 basis points from 4.12 to 3.98 percent. The 15-year fixed went down one basis point to 3.17 percent. Finally, the 5/1 ARM decreased two basis points from 3.15 to 3.13 percent.

Credit Check

With these rates, you can definitely find a mortgage rate that suits your needs. While you search for your preferred rate, make it a point to check your credit report and ensure that it’s up-to-date with fresh information. With your credit report, you can more easily keep track of debts already paid, information that does not belong to you, and wrong notations for closed accounts.

Score Improvement

If you have a low credit score, there are measures you can take to fix it. The best way you can rebuild your credit score is to manage it responsibly instead of resorting to quick-fix efforts. In fact, you can raise your score easily by paying debts, paying your bills on time, keeping credit balances low, and decreasing the amount of debt you owe.

Mortgage rates have fallen, and it gives borrowers the opportunity to lock in on the best rates or to refinance their homes. Cheap mortgage payments serve to increase the appeal of buying a house which, in turn, boosts the demand for houses.

How Do You Improve the Quality of Life of an Elderly Loved One?

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EldersAs your loved one’s age, their bodies deteriorate, whether physically or mentally; they begin to forget even the little things or lose the ability to do routine tasks. These are big blows to their confidence and may even lead to depression.

An expert from an independent living facility cites the following ways to improve the quality of life of your elderly loved one:

Quality Time

Old folks need to feel a connection to other people, especially their remaining family. You need to visit them frequently if you no longer live with them. You don’t have to spend the whole day together; an hour of dinner or lunch or just a social visit will do. However, it’s better if you spend an entire weekend together to connect, tell stories, or share fun activities.

Legacy Retirement and other independent communities in Utah offer activities for physical, social, and intellectual skills. The time you spent with them doing these activities will add life to their years and prevent the onset of depression.

Small Goals

People need to do something regardless of their age; it’s in a person’s DNA. A young person would sometimes set so many goals, they can’t achieve all of them in a lifetime. Seniors need to set their sights on something to look forward to for the day. This gives them a sense of direction and accomplishment that boosts their confidence and prevents them from withdrawing inward.

The goals don’t have to be as complicated as conquering the world or becoming a millionaire. Small ones such as finishing a handicraft project or joining yoga for an entire month are workable objectives for seniors.

Tech Saves the Day

Technology is a lifesaver; alert systems, heart monitors, and other similar devices improve the lives of seniors who have suffered from a debilitating disease. Mobile devices and the internet have also changed the way people connect and communicate.

Your loved one doesn’t have to waste away their golden years. These are just three of the ways you can improve the quality of life of your senior loved one.

Grandfather Clock: Care and Maintenance Hacks

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Grandfather ClockAntique furniture adds texture to any home interior. What more if it is a functional piece such as the grandfather clock? True to its name, this grand piece of time-teller is a pricey family heirloom that’s worth keeping. It does not decrease in appeal over time, but otherwise, represents a rich sense of history from its built down to its mechanical operation.

Basic Clock Care Tricks

As charming as they are, grandfather clocks demand a higher level of attention to help preserve their delicate, finely crafted appeal. For starters, you must remember to place them on a flat surface. Uneven alignment may cause one part of the grandfather clock to bear much pressure and wear out easily. When any part of this treasured clock goes, its integrity goes as well. It can quickly degrade once any of its parts becomes troublesome and you did not get proper assistance from clock repair professionals at Dutch Antiques to restore it like new.

Keep It Running

Another thing that you must keep in mind when you have a grandfather clock on board is to keep it running. Its beauty should be displayed – getting much attention – rather than kept neatly in a storage room and left unused. If the grandfather clock is stored for long periods of time with the power gone, it may lose lubrication causing the metals to break easily as they turn brittle.

Heat and Humidity

You must keep the grandfather clock safe against its worst enemies: heat and humidity. Direct sunlight can cause the mechanisms to rust and turn faulty. If you want a fully functional grandfather clock, make sure to keep it under ideal room temperatures and give it sufficient ventilation.

Cleaning And Maintenance

Schedule regular cleaning and maintenance with specialists in clock repairs for best results. This may go from a simple dusting to giving all the moving parts of your grandfather clock a roundabout, making sure they are lubricated and fit to work.

It may be too demanding to care for but doing maintenance properly is your best bet towards ensuring that your grandfather clock remains operational for long.

How Volunteering Can Help You Improve Your Professional Skills

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Volunteer WorkWhen you think of volunteering, the first impression that comes to mind is the nuns feeding the hungry or civilians helping relieve the repercussions of wars. But volunteering is not just about improving another person’s life. It also put a direction in your life. It helps improve some of your life’s inherent skills.

A lot of these skills that you can develop are transferable. That means you can still use them regardless of the industry you’re in. So it’s time to scout for volunteering opportunities at SAF Volunteer Corps and improve your skills. 

Planning Skills

A lot of times, you’ll be given a task and a budget. These are what make up the skeleton of the project. Once the brief and the budget are given, you are expected to come up with a plan to materialise the project. This is where you’ll develop brainstorming skills. When it comes to executing the plans, you will get to hone your project and time management skills.  

Communication

Organisations, whether private or not-for-profit, have established communication lines. As a volunteer, you’ll be expected to follow these protocols. In turn, you’ll learn the value of organisational communication. Your business correspondence and presentation skills will be improved. This is where you’ll learn the ins and outs of grant writing and pitches.

Team Dynamics

If you’re used to working alone, you’ll see that things are different when you start to take on volunteer jobs. As a part of the team, you’ll learn that there are different types of personalities. Each has a different work ethic, and it pays that you find a way to complement theirs. Most importantly, you’ll learn the value of delegation of tasks.

And when you’ve mastered these skills, you may start training to become a leader. These skills will come in handy once you start working in the professional world. Got a gap year at school or work? Consider volunteering then.