Adirondack All Weather Furniture – Choosing the Right Wood Type

Few people are aware of the fact that the idea for quality Adirondack all weather furniture began with a quest to find the perfect chair for relaxing on lazy summer evenings. This is why comfort is one of the very first things anyone thinks of when imagining an Adirondack chair or lounger. Aside from comfort, the other feature that most comes to mind when thinking about Adirondack all weather furniture is durability … why else would they call it all-weather !?

Because the original Adirondack chairs were originally designed for outdoor use at some lake cottage or similar retreat-the furniture had to be durable and was made from woods such as:

1. Cypress

2. Pine

3. Cedar

The use of cypress for construction purposes dates all the way back to ancient Egypt when the wood was a material for the construction of caskets for the first pharaohs. Today, cypress is a very common wood and used to make outdoor furniture like swings and various deck accessories. Cypress is also commonly used to make doors and windows as well because it has a conservative within the wood grain that helps it naturally repel insects and resist rot and decay which is why it is a popular choice when crafting quality-made Adirondack chairs and patio furniture .

Pine is another common wood used to make quality Adirondack all weather chairs and other seasonal outdoor furniture. Because of its abundance and reliably quick growth cycle, pine tends to be cheaper wood and is used extensively in the construction of many outdoor furniture pieces, including tables, benches, swings, chairs, and loungers. Pine tends to have a relatively low oil content and bids to that dry out easily, making it susceptible to cracking. However, when properly maintained, pine can be used to make premium Adirondack all weather furniture.

Cedar is a great wood when thinking about quality Adirondack outdoor furniture. Having a reddish brown color, cedar wood tend to be somewhat knotty and is actually a softwood. Cedar is naturally insect repellant and tend to have a very distinct aroma which can be managed with a sealer. However, quality Adirondack all weather furniture made from cedar is both beautiful and very durable making it an excellent choice when buying patio or deck chairs, tables, or accessories.

Old School Online Gaming

Ever wondered what your parents and the adults played for fun back in their day? Or before the existence of Nintendo Wii's, Playstations, and World of Warcraft, what were the games that people played with the computer? Online gaming back then was not as high-tech as what you play now but they delivered the same amount of fun that today's online games give you. Take a journey down old time geekery and see what was deemed as hi-tech back then:

1. # TradeWars 2002
A space game developed in 1984. In TW2002, the player is a galaxy trader where the main objective is to gain control of a limited set and amount of resources, as you travel in different sectors of the galaxy. Using your earned wealth in trading, you can upgrade your spaceship, get better weapons and fight for control of planets and starbases.

2. # MUDs
Also known as Multi-User Dungeon, this is a text-based multiplayer real-time virtual world that started in 1978. It combined elements such as role-playing games, hack and slash, player versus player, interactive fiction, and online chat with a fantasy setting populated by fictional races and monsters. The objective of the game is to slay monsters, explore a fantasy world, complete quests, go on adventures, create a story by role-playing, and advance the character.

3. # MUSHes
MUSH, generally called a Multi-User Shared Hallucination, is somewhat of a text-based Second Life where you can create anything you want, be anyone you want, and do anything that you want in a multi-user game. With the popularity of MUDs in the 1980s, many variations emerged such as TinyMUD in 1989. MUSH was then created by Larry Foard who used TinyMUD's code and added a different programming language.

4. # Hunt
The old school Before Doom, created in 1985 by Conrad C. Huang and Gregory S. Couch, is represented using ASCII characters on an 80×24 terminal screen. Hunt is a multiplayer game where each player wanders around a maze, killing off other players using guns, bombs, and slime. Players can also form a team. The maze, when destroyed, regenerates over time, during which "deflectors" appear, changing the direction of the projectile. Sometimes a "wandering bomb" appears, exploding when contact is made.

5. # Empire 3.84
Considered as the grandfather of all Internet games, Empire 3.84 is a risk-like conquer-the-world game with its original version appearing in 1971 on a PDP-11/45 mainframe computer at Harvard University. It gained popularity for being cited as one of Sid Meier's inspiration for Civilization PC game series.

6. # BBS Door Games
Since the technology in the old days was pretty much text-based, online games back then usually were also text-based games played over the modem on an amateur-run bulleting board system (BBS). Supporting only one phone line, there was not WiFi back then, so players usually had to take turns when playing, but still they can compete against each other.

7. # FIBS
The First Internet Backgammon Server pretty much tells us what it is, it's the first backgammon server on the Internet. Started in 1992, it has become one of the most popular online games to play backgammon against other players around the globe.

Life Insurance 101, An Explanation of Various Types of Life Insurance

TERM LIFE INSURANCE – Life insurance for a set number or years. You can choose from 5 to 30 year terms. No cash value, if you die during the term you collect the death benefit. The policy dies after the selected term has ended and you receive nothing unless you have a, return of premium rider or you convert the policy to some form of permanent insurance.

RETURN OF PREMIUM TERM INSURANCE (ROP) – A term insurance policy that returns all or a portion of premiums paid at the end of the term if the death benefit has not been paid.

SIMPLIFIED TERM INSURANCE – Term insurance which uses a simple application. Underwriting is done electronically. No underwriting requirements by the applicant unless red flags arise out of the electronic underwriting process. Policy is usually issued much quicker than regular term. There is a limit of death benefit for this type of policy ($350,000 or less) depending on the insurance carrier. This type of policy is generally more expensive because of additional risk by the insurance carrier. Less underwriting =more risk.

CRITICAL ILLNESS INSURANCE – Applied for as a stand-alone policy or as a rider to another life insurance policy. Pay immediate benefit for a covered illness even if death does not occur.

ACCIDENTAL DEATH INSURANCE – Pays benefit in event of a covered sudden accidental death. Applied for as a stand-alone policy or as a rider to another form of life insurance.

MORTGAGE PROTECTION INSURANCE OR DECREASING TERM INSURANCE – Term insurance that pays the balance of your mortgage should death occur. The amount of death benefit decreases to match the amount owed on mortgage. The insurance is set up to end at the same time your mortgage is set to end.

UNIVERSAL LIFE INSURANCE (non variable) – Flexible premiums. Can be a permanent insurance as long as premiums are paid and policy is funded properly. Investment policy in which risk lies with insurance company.

Has a minimum guaranteed interest rate which differs by company. This policy has the ability to gain contract value. The death benefit can be set to level (death benefit stays the same throughout) or increasing (death benefit increases as contract value rises). You may obtain loans or make withdraws but you must be careful, if the policy is not funded, it will collapse.

VARIABLE UNIVERSAL LIFE INSURANCE – Agent must have securities license to sell. Very similar to non-variable universal life. The difference is that the policy owner assumes investment risk. There is no guaranteed interest rate. Policy can collapse if investment does not do well and policy is not funded properly.

WHOLE LIFE INSURANCE – Simply put, you pay the premium and the policy will last your whole life. You usually have an option to borrow against the policy, amount depends on the value of the policy. This type of policy is usually much more expensive than the universal life policy.

GRADED BENEFITS WHOLE LIFE – Partial or no benefits paid until a named or tiered waiting period has passed. If you die before the waiting period has passed, you usually will receive the return of your premium payments with some sort of interest.

FINAL EXPENSE WHOLE LIFE INSURANCE – This type of whole life insurance is aimed at burial and funeral expenses and other final expenses. Usually, no medical exam required and death benefit is limited to $50,000 or less.

SINGLE PREMIUM WHOLE LIFE – This whole life policy is paid for by a single lump sum payment. In return the beneficiary receives a larger death benefit than the payment.

THINGS TO CONSIDER: You may be interested in mixing and matching different types of policies. For example; There is a need for 500k immediately. As time goes on, the kids have graduated college and are out of the house, the house is almost or totally paid off. Now the need is less. In this example you may want to purchase a 330k universal life and a 20 year 200k term. This plan will save you money and still protect your family for life.

Or, you may want to mix term, critical illness, accident, universal life, or whole life in various ways depending on your needs.

RIDERS:

Waiver of Premium Rider – pays life insurance premium if you become disabled and can’t work. There is usually a waiting period and rider usually expires at age 60 or 65.

Critical Illness Rider – Rider is explained above.

Return of Premium Rider – Rider is explained above.

Guaranteed Insurability Rider – this rider allows you to purchase an additional amount of life insurance at a later date without having to prove insurability again or take another medical exam.

Term Conversion Rider – allows you to convert a term insurance policy into a permanent policy without proving insurability again.

Accelerated Benefit Rider – this rider is only for permanent life insurance policies. This rider is usually included automatically for free. It allows you to collect a portion of your policy’s death benefit if you become terminally ill with a short life expectancy, usually one year. The portion paid out is subtracted from you policy’s death benefit.

Accidental Death Benefit Rider – This rider pays in addition to the death benefit if you die from an accident.

Child protection Rider – Usually used to pay final expenses if the unthinkable happens. Often, at a nominal cost and purchased in units of $1,000.

UNDERWRITING: requirements depend on insurance carrier, type of policy, amount of death benefit, age, build chart, gender, medical history, medications, family history, motor vehicle report, and other factors.

An application is always required, although, non-medical policies usually have a simple application.

Requirements could be: Paramed (certified medical processor or nurse comes to your place of choosing, takes you through a medical questionnaire, measures your height and weight, takes blood and urine sample, possibly EKG either resting or non-resting), Medical information from your physician or hospital, Medical exam, etc.

HEALTH CLASSES – Typical health classes would be, Preferred Best, Preferred, Select Standard, Standard, and then different nicotine classes such as, preferred nicotine, select nicotine, and standard nicotine.

It is possible to be rated less than standard depending on health and underwriting factors.

You must qualify for a health class. This is chosen by the underwriter after the underwriting process is complete. The agent can only quote you the different health classes but this can change with the underwriting process.

3 Quick and Easy Ways to Make $1000 a Week Online (Without Spending a Dime on Traffic)

Who else wants to learn how to make real money online? Are you sick and tired of being lied to? Of being deceived, duped and disappointed? If you are like most of the people who enjoy our articles about EASY online wealth creation, the simple truth is that you are just FED UP.

But…I want you to do me a favor.

  1. Imagine being able to generate a veritable AVALANCHE of traffic to any site, service or offer…and NOT having to pay a dime to do it.
  2. Imagine having your PICK of highly qualified, fresh leads that are already interested in your offer…BEFORE they arrive at your site.
  3. Imagine being able to build a BOOMING business on the broad back of FREE traffic……without ever relying on shady tricks or techniques that will NEVER work (nor make you feel good inside even if they did)

The truth is, I’ve mastered a very specific traffic generation strategy that I call content marketing…and the very best part is just about ANYONE reading this right now can do what I’m about to lay out for you.

Why should you believe me? I’ve written over 5,000 (yes thousand..:-) pieces of unique content that have generated MILLIONS of readers, tens of thousands of subscribers in many different niches and an empire of blogs, web sites and affiliate product promotions that you can COPY…simply using the 3 simple techniques below.

Ready? Here are my top 3 ways to generate a 4 figure WEEKLY income using nothing but free traffic derived ENTIRELY from content marketing methods. And remember, you ONLY need to make about $150 a day to get to that number, which may FEEL like a lot right now, but it’s not…and you CAN do it if you follow through.

1 – Root Level Redirection: Pick ONE high EPC product (I like an EPC of 80 or above if you are using one of the main affiliate networks like CJ) and simply install a root level re-direction that forwards the visitor from YOUR offsite content directly to the vendors landing page, with your cookie.

This works very, very well for a whole hodge podge of different products…and “free trial” offers can often convert at 3 or 4% using this approach. (and usually pay out 35 dollars PLUS per sign up…which adds up hyper fast)

2 – One page review sites: I love this approach, and this WILL convert better than the root level re-direction above…PLUS you get the added benefit of search engine optimization and natural traffic from natural search as well. (rather than just from the content directories themselves…which is pretty much where you’re going to be limited in our first example)

The key? Simply expand your product selection to 3 products, rather than one! Very easy…and while the actual click through rates are going to be less….you will probably make MORE money using this approach for sure.

3 – Relationship Marketing: Build a list. Build rapport…and relationships. And then sell your OWN suite of services. Become a coach. Or consultant. Personal services is the absolute BEST way to make a fortune online that endures in value…and won’t disappear if the products you’re promoting come down. (as CAN happen in our first two examples, and can also be a pain in the rear end AND your bank account when it does)

Honestly?

You can make 3, 4 or even 500 dollars a day as a coach, often taking whatever you are MOST personally passionate about into perpetual piles of profit…AND making it happen in a hurry!