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Casdicultura - Spanish Culture

Everyone knows that spanish culture is all about family.  The spanish love to eat and visit with their families.  Cultural events are held at many times during the year and most holidays.  Dia del morte is a famous spanish holiday, also known as "the day of the dead".  It is a time when most spanish cultures get together and remembers the dead or loved ones that have passed away.  In a nit shell spanish culture is a great way for everyone to get to know someone.  Our website has been switched from Spanish to English so bear with us during this transition.


Liability vs. Full Coverage Car Insurance

 

When trying to find the right insurance coverage for your vehicle, you must weigh out all the options that are available to you. It is a given that not all drivers will available to them the same insurance plans, since every driver is different in the way they drive, their driving history, their make and model of vehicle. But in every decision, one factor is consistent; whether to go with liability insurance or full coverage insurance. Let’s look at both options to see which bets fits the drivers needs.

 

Liability is the least costly of the two types and with good reason. When you purchase liability insurance, you are only protecting the other person’s car in the event that you are at fault for an accident. You are also covering their medical bills in the event that they are hurt. This is the basic insurance that is required by law in every state for every driver. The Pros are that you are going to be paying way less each month for that insurance, so it frees up some cash flow and gives you the go ahead to hit the roads and drive. It keeps you from being sued for those medical bills if you caused the accident. The Cons are that your car doesn’t get fixed from an accident where you are at fault. Everybody else gets a fixed car but you. It’s a gamble and you would have to be pretty sure of yourself and your driving skills to put an expensive car on a liability policy. But, you can only get liability if the car is paid for and you have the title to it.


Full coverage insurance is just the opposite. Full coverage covers the other drivers car when you are at fault and covers your car, plus any medical bills that may arise. The Pros to this type of policy are self-explanatory. You get your car fixed even when you are at fault. The only bad part to this type of policy is that it can be very expensive each month. Full coverage is normally 2-4 times the cost of liability. Some will not have a choice on this topic since full coverage is required by all insurance companies from those who are financing a car. That’s right. If you just bought a new car, and are financing, you must get full insurance coverage in order to insure that vehicle; even if the car is not new. It can be a used car, but financing is the key word here. The loan holder requires that the vehicle be protected from all angles. They need a tangible asset in case the loan gets defaulted on, so they can get their money back.

For example, if you bought a car and financed it for fifteen thousand dollars, but only had to put liability on it.  Then you went out and ran off the road and totaled the car.  You probably are not going to continue to pay for a car that you are not able to drive, so you default on the loan.  The loan holder comes to collect the car so they can sell it and get their $15000 back to find that the car is totaled.  They are out $15000.  With being required to have full coverage when financing, the loan holders are insured that your car is going to be in good shape in the event that they have to take it back.

 


What to Look for in a Commercial Carpet  

Businesses have to look at carpet from a different angle than homeowners do. As a business owner, it is really important to be practical when picking out your flooring. You do not want to look tacky, but at the same time, you don’t want to spend too much either. When a homeowner buys carpeting, he is looking for something that is going to fit in the house well. It should also be very comfortable to the touch, relatively affordable, and something that is going to last awhile. Most commercial carpeting is mainly for aesthetics. Commercial carpets are usually much thinner, and they last much longer. They are also very cheap. All of these added benefits come at the cost of one thing, the feel of the carpet.

When you buy a commercial carpet, it is important to make sure that it has a shorter pile. The higher the pile is the quicker the carpet will become dirty and wear out. Short pile rugs last longer because they are much easier to keep clean. The carpet fibers are also harder to wear away because they of how dense they are packed together. One of the added benefits of a short pile is the reduction in cost. Thicker carpets just cost more money to make. Any good commercial carpet will last a very long time, be easy to maintain, and be extremely cheap.

Cheap Carpet
Shaw Carpet
Carpet Care
Carpet Cleaning
Carpet Padding

While you are looking around for carpeting for your business, it is a good idea to look for places that sell in bulk. It looks good when the carpet is the same throughout your business, and most places that sell large amounts of carpeting at once are willing to give out great discounts. Buying in bulk is one of the best ways to lower your flooring costs. If you can afford it, it might even be a good idea to buy extra carpeting to replace out any worn areas later on. Certain high traffic areas are going to wear out faster than the low traffic parts of the building, and it is nice to have extra carpeting to replace those areas when you have to.

Mohawk Carpet
Bliss Carpet
Shaw Rugs
Carpet Tiles
Scotchguard for Carpet
Carpet Installation  

It is always a good practice to shop around before deciding on any particular type of carpet, but at the commercial level, it is vital. When you are buying huge quantities of flooring at once finding a better deal can save hundreds if not thousands of dollars.


Engineered Hardwood Flooring – Anderson and Appalachian (Known for Quality)  

                When purchasing hardwood flooring, engineered flooring is always a good product to look at. Engineered flooring is different from both laminate flooring and solid hardwood flooring. Engineered flooring can come in a variety of colors, species, widths, and price ranges. By purchasing engineered flooring you can get the real flooring look without the mess, hassle, and time it would take to finish solid hardwood flooring, and still remain on budget.

Anderson Hickory Forge Hammer Glow
Anderson Hickory Forge Ringing Anvil
Anderson Hickory Forge Golden Ore

                Engineered flooring comes in 3 different variations; rotary peeled veneers, sliced, and sawn face. Rotary peeled veneers are logs are conditioned in a vat and put onto a large wood lathe; it is then peeled off the log to make the top layer of the flooring. Sliced variation is lumber that is processed in a conditioning vat, and is then sliced like bread. Sawn face is lumber which is graded and sorted, and finally sawn into a thickness and ready for application on the engineered construction. Each variation has its own pros and cons depending on grains and color variations. Once sliced, the pieces are placed on top of each other and a finished piece is placed on top.

Anderson Mountain Hickory Rustic Haversack
Virginia Vintage Chicory Maple
Virginia Vintage Flintlock Hickory    

                One perk to purchasing engineered flooring is the possibility to place it on a concrete slab or on a plywood subfloor. When placing over a concrete slab, the flooring will need to be glued down, since obviously you won’t be able to nail down the flooring to concrete. The flooring can also be floated over an existing floor, you will want to make sure the floor is installed correctly and is in good shape, and follows manufacturers warranty information. Engineered flooring can also be laid above ground level, at ground level or below ground level.

Anderson Casitablanca Lava
Anderson Colonial Manor Mountain Lullaby
Anderson Haversham River Rock

                When going to purchase your engineered flooring you will face a variety of options. First option is choosing a color that will go well with you life, and the area you will be placing the flooring, light colors usually show less dirt that dark flooring, so keep that in mind when deciding. Another decision will be the width you would like your flooring. You can choose to have strip flooring, which is 2 ¼’ width, plank flooring which is 3” width, or you can choose random flooring which is 3”,5”, and 7” widths mixed in to give the floor a different look. As with any purchase there can be some cons, but engineered flooring have shown to be a consumer favorite.

Virginia Vintage Heritage Maple
Virginia Vintage Hickory Autumn
Virginia Vintage Carriage Maple

Anderson and Appalachian floors are known for their engineered flooring product lines. When you are known for quality there is a high standard to uphold and the Anderson Family of hardwood flooring brands always upholds that standard. For more information on Anderson engineered flooring or Anderson hardwood flooring please visit the references in this article.