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Tips On How To Buy Patio Furniture

A patio is not complete without any furniture. You will need chairs, tables, hammocks, plants, swings, recliners and benches among others to make a lovely patio. However, buying patio furniture can be a difficult task. You need to take many things like space, material, budget, comfort and durability into consideration. Since it will be placed outdoors, you need to make sure that all the pieces of patio furniture will stand the different elements. Here are some tips on buying furniture for your patios.1. Buying patio furniture is similar to purchasing any indoor furniture. First, determine the available space. This will dictate the size you need to buy. Make sure to measure your patio space. It also helps if you have a design plan so you know where to place the furniture in order to match your environment.2. Decide on the purpose of the furniture like for dining or hanging out. You need different furniture for reading and another set for eating or picnics.3. Consider the weather. Furniture have varying reactions to the elements like rain, wind and snow. It is vital to choose furniture depending on the kind of weather you have. Wood furniture can crack and splinter in hot weather while furniture made with wicker are not resistant to moisture. Furthermore, pieces of furniture that will be exposed to the elements are different from those under a porch.4. Choose the furniture you want. There are many kinds of furniture for patios like chaise lounges, hammocks, umbrellas, benches, swings, chairs and tables to name a few. You can also choose materials based on the style you wish to convey. Wrought iron is often used in Victorian style patios, wood for rustic appeal, plastic is practical and wicker is romantic. Remember to carefully choose the materials for your furniture. Wood furniture like oak and cedar are traditional and durable while teak is resistant to all types of weather conditions and requires less maintenance. Others opt for steel or plastic for practical reasons.5. Always check the warranties and care instructions when buying patio furniture. Opt for durable furniture with readily available materials in case of any damage. Make sure that the fabrics and cushions are treated with stain and water repellants. Lastly, have a storage space when winter comes. To save on storage space, choose fold-able tables and chairs or buy furniture that you can also use indoors during the winter.The most important factor to consider when buying patio furniture is your budget. There are expensive pieces as well as budget friendly ones. When looking for furniture, you can look into various catalogs and online websites with outdoor furniture in all kinds, shapes and sizes. Aside from the price, comfort is also essential. Patios are made for people to gather, relax and spend time with each other. The pieces of patio furniture must be comfortable, relaxing and safe to use. Like any other furniture, outdoor furniture requires more care and maintenance since it is constantly exposed to varied elements. You must know how to properly care for as well as how to protect it against ordinary wear and tear, damage or weather conditions.

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Understanding the Importance of the Right Health Insurance Plan

Health insurance is one of the most widely disputed topics of insurance right now. With the US Government stepping in and trying to develop a new method of providing insurance and health care for Americans, many have taken a passive role and are counting on changes to be made for them. Without getting into the various political views of this, the thought process and hope of a new plan being implemented in the near future is not secure, and you should still continue to plan accordingly.Although it is not required that every American have health insurance, it is a very important type of coverage to have. Without our health, much of our lifestyle would change. Health insurance motivates people to visit their doctor every year and have preventative screenings completed such as an annual physical. It allows Doctors to discover health problems early enough so that illnesses can still be treated. Not only does it cause people to be healthier, but it also limits an individual’s financial risk of medical needs for catastrophic circumstances.With the steady increases in health insurance premiums that we’ve witnessed over time, many people have either struggled and continued to pay the increasing premiums or simply dropped their health insurance coverage. Employers have begun reducing their funding toward these benefits and some have completely terminated them. What most people are not aware of, however, is that there are ways of maintaining quality health insurance without paying a fortune.Much of deciding on the appropriate health insurance plan for a person or business is based on the personal circumstances. Whether medical and pharmaceutical benefits are used often or barely ever may impact which plan is most appropriate for a person. In some states, gender may even have a lot to do with which plans are most appropriate. Some states allow separation of benefit types which can be elected or not elected based on the insured’s circumstances, such as pregnancy benefits. Your current health insurance may provide pregnancy benefits that are completely unnecessary. If so, there may be a great potential for savings by simply eliminating pregnancy benefits.Many insurance providers now-a-days have made “high deductible – consumer driven health plans” much more attractive than the old “Cadillac” type of plans. Rather than having a health plan where you only pay a $10 or $20 copay every time you visit the doctor, many newer plans will have a deductible that must be paid out of pocket, prior to the insurance company paying any benefits. For someone who only sees a doctor once a year, this is a great deal. On average, moving to a deductible plan will save a person more money in premiums than would have to be spent in deductible. For example rather than paying $220/month for a low co-pay plan, you might only pay $100 for a plan that has a $1,200 deductible. Although $1,200 sounds like an enormous amount, by switching to the deductible plan, you are saving $120/month in premiums which equals $1,440/year. This means that even if you spend the entire deductible, you still save $240 dollars/year. For someone who only sees a doctor once a year, chances are good that you will save more like $1,200-1,300 per year.The final savings technique this article will cover is the concept of HSA medical plans. These plans allow people to deposit funds on a pre-tax basis into a Health Savings Account, which may be connected with the health plan or completely separate. Each participant is issued a debit card that is connected to this account, and must be used when paying for any medical care or medications. This essentially allows people to pay for their health care on a pre-tax basis. The concept of a Health Savings Account is actually quite simple, but simply different than what most people have been accustomed to. For someone in a higher tax bracket, the additional savings of paying with pre-tax dollars is more significant than that of someone in a lower tax bracket. Nonetheless, these savings can be tremendous.There are plenty of ways to save money on your health insurance. Some people have already taken advantage of these methods but many have not. If you feel that you are paying too much for your health insurance premiums, or would simply like to speak with someone to review your coverage and discuss your options, contact the Health Insurance Professional Michael Kortz, RFC, RR, HIP. There may be something that better suites your needs. You shouldn’t leave your health care up to chance. Call (949) 226-8390 or visit today.

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