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Do You Know How Is Your Auto Insurance Policy Price Determined?
By Ray Rubio
The fact is that an auto insurance policy price is determined from a variety of different factors. Some are factors that you cant control but others you can control and thus help to reduce your rates.
DO you have a good driving record - this is one of the things that that determines the price of your insurance policy. The better driving record you have the lower your cost will be to insure your vehicle. You should avoid car accidents, speeding tickets and have auto insurance.
The amount of coverage - The cost is also determined for how much coverage you want, if you increase your limits you will get better coverage but it will cost more and also if you increase your deductibles you will pay lower premium rates.
Age - If you are over 25 years old you will pay lower rates than a 17 year old teenagers
Take a Class, and Basic Electrical Tasks Shouldn't Trip You Up
Q: DEAR TIM: I have a chance to take a $250 course on electrical wiring that covers how to change outlets, switches, light fixtures, rewiring circuits, etc. I'm terrified of electricity and use a stick to trip my circuit breakers.
Cultivate Your Gardening Knowledge Outside the Back Yard
There are so many lectures, seminars and workshops at botanical and estate gardens, arboretums and parks in the Washington area that there's not room for me to list them all.
Do It Yourself
Q: Our white kitchen countertop, made of plastic laminate, is stained from spills of things like red wine, curry and fruit juice. How can I clean it?
Replacing Windows? Look for Seal of Approval.
Q: DEAR TIM: I'm about to start a window replacement project. My husband wants vinyl windows because of the easy maintenance, but I'm not a big fan. The number of choices is making it hard for me to decide which kind of windows to install. What are the best replacement windows?
Designing a Garden From the Ground Up
Most homeowners approach landscape design in a way that is meant to meet their immediate need, whether that is screening, groundcover, shade or flowering plants. The proper approach to landscape design is multi-dimensional -- considering interest on ground, vertical and overhead planes.
Change Is Slow to Come Home
For more than 20 years, architect and author Witold Rybczynski has focused on the houses and lifestyles of ordinary people.
Replacing a Shower Head Is Easy, Do-It-Yourself Task
Tired of that leaky, single-stream shower head left over from the Nixon administration?
Do It Yourself
Q: We have a shaky end post on our stairway. How do we tighten it up?
Home Front: Home Energy Audits, Yellow is In for 2009, Sectional Sofa Sources and Time to Toss the Poinsettia?
Post Home Section staffers Jura Koncius and Terri Sapienza take questions on your decorating dilemmas. This week they offer tips on making your home more energy-efficient as they reveal the results of an "energy audit" at Jura's house.
Security Systems Can Monitor More Than Bad Guys
Q: DEAR TIM: I'm in the market for a home security system, but there seem to be so many aspects that it's rapidly getting confusing. Should I be looking at a wireless system? If the price is too high for what I want, should I consider a do-it-yourself system? -- Marty V., Hartford, Conn.
Inside the Mailbag: Misbehaving Roots and a Miniature Railway
It's time to answer your garden questions again -- in winter, when time is spent out of the garden, planning what can be done to enhance it in spring.
Do It Yourself
Q: We sometimes get a strong sewer odor in our house, especially when we run the washing machine. Someone told us the traps to some of our drains might have dried out, letting sewer gas enter the house. What are your thoughts?
New-Model Wood Stoves Burn Cleaner
During the energy crisis in the 1970s, interest in heating with wood surged, particularly in regions where oil or electricity were primary heat sources.
Home Front: Inside Blair House, IKEA Cabinet Installation, Non-Caveish Basement Colors, Good Deals on Mirrors and more
Post Home Section staffers Jura Koncius and Terri Sapienza take questions on your decorating dilemmas. This week they get a sneak peek inside Blair House, the White House's official guest house.
Sewer Gas Odor Can Waft Through Incorrectly Installed Toilet Gasket
Q: DEAR TIM: My husband installed a new gasket on the toilet in our master bathroom as part of adding a new ceramic tile floor. He's pretty handy, but I soon noticed a sewer gas odor in this room. There wasn't an odor before. He can't smell it, and I'm reluctant to have him do the job over. The t...
Home Front: Fine China in the White House -- and Your House, plus Getting Organized in the New Year and Buying New Bed Pillows
Post Home Section staffers Jura Koncius and Terri Sapienza take questions on your decorating dilemmas. This week they'll help you with your resolutions to get your home organized and save money in the New Year.
Do It Yourself
Q: How does one get rid of squirrels in the attic? -- H. Cooke
It's Time to Sharpen Your Gardening Tools
"Man is a tool-using animal . . . without tools he is nothing, with tools he is all," wrote Scottish essayist Thomas Carlyle.
Shivering With a Skimpy Furnace
Q: DEAR TIM: Are all heating systems the same? Mine is running constantly and can maintain a temperature of only 67 degrees in my home. It's below zero outdoors. But still, I would expect the house to be comfortable even if the temperature outside is bitterly cold.
Colorful, Sculptural Branching
In winter there's not much to take your attention away from the structure or colors of trees and shrubs. You can appreciate them for their branching habits and bark, not just because they supply the "canopy" or "spatial enclosure" of the landscape.
Do It Yourself
Q: A couple of my dining room chairs have become wobbly because of loose joints. How can I fix this ?
Tim Carter's Ask the Builder
Q: DEAR TIM: I attended a Christmas party at a home that had wainscoting. It was gorgeous. The beadboard was painted a different color than the wall above to accent it. What can you tell me about installing wainscoting? I like a raised panel, but would settle for beadboard. -- Stephanie D., Minneapolis
Mulch Improves Garden Beds
Mulch is a gardening mainstay because it protects and nurtures plants while improving the look of many landscapes. Plants need different types of mulches depending on the season.
Today's Busy Families Pass on the Family Heirlooms
When people decide it's time to downsize and move out of the home where they have lived for perhaps 40 years, they want to distribute their household furniture, cherished belongings and family heirlooms to their adult children and grandchildren.
Do-it-Yourself
Q: I have heard that mold can grow behind a bathtub liner. Is this possible? -- Anna
Tim Carter's Ask the Builder
Q: DEAR TIM: I have an opportunity to convert my home to radiant floor heating. A complete renovation is in progress, and I'm convinced radiant floor heating will be the best for me. Can the average homeowner successfully install such a system?
Garden Beauty That the Eye Can't Behold
It's understood among landscape designers that the aesthetics of a garden go considerably beyond visual beauty to encompass sound and touch.
Do It Yourself
Q: I have a bathroom sink that clogs periodically. I have tried a plunger, several kinds of drain openers and so forth, and I haven't been able to get it to drain well. What's next? -- L. Ramsey
The Lights Before Christmas
Holiday lights not up yet? You still have a few days.
How to Keep a Small Kitchen From Cramping Your Style
If you love to cook, but are afraid of buying or renting a place with a kitchen the size of a phone booth, fear not. A small kitchen doesn't have to be a big drawback if you use your space creatively.
Making the Most of Every Inch
If you have a tiny room that you're thinking about as a bedroom for your child or a guest, getting the most out of a small space is a challenge but not an insurmountable one.
Home Front: Hostess Gifts, Colorful Holiday Decor, Displaying Holiday Cards, Cleaning a Glass-Top Stove, Advice for New Homeowners and more
Post Home Section staffers Jura Koncius and Terri Sapienza take questions on your decorating dilemmas. This week they'll check out the fabulous holiday decor at one Georgetown home.
Putting Up a Wood Fence Worthy of Compliment
Q. DEAR TIM: Wood fencing is my next project. My wife loves wood fences, and I feel they are attractive. What do I need to know to ensure this project is a success? What is a good wood fence post? Should I pre-build fence panels or construct the fence in place? Is it necessary to embed the fence posts in concrete? -- Barry L., Columbia, S.C.
Deconstructing an Old Home Can Give You Building Blocks for a New One
You have decided to build a new house. You weighed all the pros and cons of 15 lots and finally chose one that's near public mass transit, so you'll need only one car. It's a 10-minute walk from a local shopping area, so you can easily incorporate some exercise into your regular routine.
A Treasure Chest of Gardening Wisdom, for You or Those on Your Gift List
One school holiday assignment I never minded was to read a book of my choice. So, here are my picks for some landscape and gardening books for your holiday reading and gift list this year.
Do It Yourself
Q: I want to paint my textured refrigerator to match other appliances, but I don't want to spray it. Can I use a brush? -- S. Ferguson
Home Front: Welcoming Touches for Houseguests, Soliciting Help for After-Dinner Clean-Up, Under-Bed Storage and more
Post Home Section staffers Jura Koncius and Terri Sapienza take questions on your decorating dilemmas. This week they'll help you get your home ready for holiday houseguests.
Grout Fix for a Good-as-New Tile Floor
Q: DEAR TIM: The grout in one joint of my floor tile has come out. Do you know why this happened? I can see that the previous homeowner repaired it. What's the best way to work with floor grout in this situation? What type of grout do I install, and how do I match the color perfectly?
To Personalize Your Garden, Think Beyond Plants
When homeowners cut their landscaping budget, they typically get rid of things such as garden pools, fountains, walls, seating, sculpture, containers and lighting. But these elements, which can be grouped together as "site amenities," contribute to the impact of a garden.
Gene Austin's Do-It-Yourself
Q When I turn on the hot water in my bathroom sink, it comes out in spurts. I also feel knocking and shaking in the hot-water pipes in the basement. What's wrong? -- N. Sehghl
Want to Shrink Your Carbon Footprint? Think Food.
In moving for a year to New York City from Ann Arbor, Mich., a small Midwestern college town, the biggest change for me has not been the shift from a house to a high-rise and a living space that is only one-third as big.
As Fall Fades, Tips to Keep Your Garden Growing
A new crop of questions sprouts as fall changes the dynamics in our gardens.
Tim Carter's Ask the Builder
Q: DEAR TIM: I need a chain saw and am flummoxed as to which type to buy. I'm certain that I want a gas chain saw, but wonder whether to get an 18-inch or a 14-inch model. I've never used one before and am concerned about my safety.
Q We have periodic power failures in our area that are a real nuisance. Is it practical to install a generator to supply emergency power to our home? -- Edward
With These Activities, Gardening Need Not Take a Holiday
Here are some upcoming holiday and horticultural events for November, December and January. They're free unless otherwise noted. Call ahead to see whether registration is needed.
Do It Yourself
Q I have a pedestal-style porcelain sink that needs refinishing. Can I get high-quality results by doing it myself with a refinishing kit, or is it best to hire a pro? -- J. Errington
Home Front: Thanksgiving Table Decor, Christmas Decorating Without a Fireplace, Shuttered Shelter Magazines, Closet Organizers, DIY Classes and more
Post Home Section staffers Jura Koncius and Terri Sapienza take questions on your decorating dilemmas. This week they're counting down to Thanksgiving and offering advice on table settings, guest room preparation and more.
Replacing Mortar Joints in a Stone Patio
Q: DEAR TIM: I have a patio repair job at my house. The irregular pieces of limestone are fine, but the mortar joints between them are failing. In some places, the stones have lifted up. The patio is about 20 years old.
Plants That Burst With Fragrance
A neighbor stopped by last weekend holding a piece of shrub with a dainty, sweet-smelling flower on it. His wife walked past the plant daily and absolutely had to know what is was. Fragrance does that to people.
Do It Yourself
Q: I have kitchen cabinets covered with plastic laminate, and they need to be refinished. Paint-store clerks said they can't be painted, but I came across two products that claim to do the job with little or no preparation. What do you think?
Skip the Leaf Blower And Pick Up a Rake
Instead of buying a noisy leaf blower, get some exercise and fresh air the retro way -- with a rake.
A Project That Is Easier Than It Seems
Here's a do-it-yourself job for the bathroom that may appear harder than it actually is: Replacing or adding a medicine cabinet.
Home Front: Thrifty Homemade Holiday Gifts, Collapsible Guest Beds, Energy Saving Ideas, Dish Racks and more
Post Home Section staffers Jura Koncius and Terri Sapienza take questions on your decorating dilemmas. This week they offer a sneak peek at the nursery of Mayor Fenty's soon-to-be-born baby girl, and chat about an ever-popular dining room color: red.
Install Siding Like a Pro
Q: DEAR TIM: What can you tell me about installing vinyl siding? I like its no-maintenance aspect, and it looks easy to install. What instructions can you share? What tools will I need to get professional results on my one-story house? -- Patty S., Scranton, Pa.
Prophetic, Accomplished, Eloquent, Cathey Was a Giant in the World of Horticulture
Henry Marcellus Cathey, who died on Oct. 8 at age 79, was a brilliant plant scientist who understood the world of horticulture far beyond the boundaries that his doctoral degree and study as a Fulbright Scholar offered.
Do It Yourself
Q: My house is very cold, and I need to get new entry doors in the front and back. Which type of entry door is best: wood, steel or fiberglass? Do I need storm doors, too? -- Anna
Shopping for TVs With the Experts
Technological advances have made giant flat-panel TV screens with intensely detailed pictures affordable to the average American consumer. But which one to choose?
Killer Audio Completes Your Home Theater
You can't have a great home theater system without great sound.
Home Front: Tankless Water Heaters, Getting Kids to Do Chores, Bathroom Lighting and more
Post Home Section staffers Jura Koncius and Terri Sapienza take questions on your decorating dilemmas, and Jura shares what she learned about design trends for 2009 at the High Point Furniture Market.
What to Know Before Digging a Fire Pit
Q: DEAR TIM: Last night I sat around an outdoor fire pit at a friend's house. Everything about this magical spot was enjoyable. I want to build one for myself. What's involved? Is it a good idea to have a patio fire pit, or should I consider a garden fire pit?
Nature's Brew Brings Out Fall's Beautiful Palette
We can look at a calendar and know that it's fall. But how do the trees know?
Do It Yourself
Q: We have a top-brand storm door that has been in place for several years. The door has a cylindrical closer of the type I have seen on many such doors. However, the door closes much too slowly and lets in bugs in summer and cold air in winter. Can you help?
Despite Grand Plans, Prefabrication Still Hasn't Realized Economies of Scale
For more than a century, architects and builders have strived toward a prefabricated, industrialized house, one made in a factory so that economies of scale would be realized and the product would be affordable to all home buyers.
Home Front: Front Door Colors, Curtain Sources, Wallpaper Installation Tips, Non-Themed Nursery Linens and more
Post Home Section staffers Jura Koncius and Terri Sapienza take questions on your decorating dilemmas. Just in time for Halloween, they'd like to talk about decorating with the color orange.
Key to Successful Blacktop Repair Is to Carefully Follow Sealant Instructions
Q DEAR TIM: I need to repair a blacktop crack. What is a good way to prevent water penetration? I've tried different sealers, but some have been messy. Is there an easy-to-apply product that produces great results? -- Maggie S., Athens, Ohio
How to Save Money in the Garden
People are trying to figure out how to save money everywhere they can. A lot are becoming interested in growing their own fruits and vegetables.
Do It Yourself
Q. My house has aluminum siding. The baked-on finish has become badly scratched in places. Is it possible to paint it? What preparation and paint are needed? --Mary
For Furniture, Smaller Is Better
HIGH POINT, N.C. -- Even before these days of shrinking economic expectations, furniture makers were getting the message from consumers: small is the new black.
Home Front: Sleeper Sofas, Nursery Colors, Bookshelves, Displaying Fabric Art, Dustless Floor Refinishing and more
Post Home Section staffers Jura Koncius and Terri Sapienza take questions on your decorating dilemmas. Let them know about your Halloween decorations, whether swanky or spooky!
How to Salvage a Hardwood Floor: Piece by Painstaking Piece
Q. DEAR TIM: I'm faced with a hardwood floor repair. Water seeped under my front door and warped the floor. What's involved in a job like this? I'm usually not too timid when it comes to home repairs, but I'm out of my comfort zone.
Tried and True House Configurations Hold Appeal Over Time
Despite incessant media attention on the next big thing in new homes, many plan configurations have enduring appeal.
Gardening With an Eye to Helping the Environment
There are many gardening practices you may not have thought about that can make a big difference in the health of the environment. Here are a dozen:
Do It Yourself
Q. Our sliding doors have brass handles. Over the years, the outdoor handles have become pitted and ugly, but the indoor handles remain bright. What can we do about this? -- B. Fleming
Home Front: Consigment Stores and Other Bargain Sources, TV Cabinet Ideas, Outdated Bathrooms, Housekeeping Tips and more
Post Home Section staffers Jura Koncius and Terri Sapienza take questions on your decorating dilemmas.
Rescuing a Badly Damaged Shower
Q. DEAR TIM: My ceramic tile shower has severe water damage. I was cleaning the shower when the tile caved in, creating a hole in the wall. How can I install tile in the shower so this will never happen again? Is this a job I can do myself? What are the steps to get long-lasting results? -- Diana C., Norcross, Ga.
Tending the Garden, Sparing the Ecosystem
Here's the test: How do you feel when you see a large slope planted with English ivy?
Do It Yourself
Q. I have a mint-green bathtub that dates to the late 1950s. There is a sizable chip in it and I have been unable to find any kind of patching material that is close to the color. Can you help? -- J. Cozzi
Button Up Drafty Old Homes to Cut Bills
We used to worry about catching a cold from an old house's drafts. Now we worry about losing our shirts.
Where Old Sit-Coms Meet Green Ambition
ONLEY, Va. -- Maybe it's the homemade windmills spinning on the balcony. Or the golf-cart batteries that power the kitchen. Or maybe it's the purple shag carpeting, the pink shutters, the "Dick Van Dyke Show" furniture, the leopard-print paint on the dining room floor or the gold Rolls Royce in the gravel driveway.
Home Front: Decorating Bargains, Cooking Smells, Small Spaces, Favorite Blues and Whites and more
Post Home Section staffers Jura Koncius and Terri Sapienza take questions on your decorating dilemmas and introduce you to design expert Eddie Ross of Bravo TV's 'Top Design.'
Roof Vents You Can Understand
Q. DEAR TIM: It's time for a new roof, and I need to know which roof vent to install. I am considering a continuous ridge vent, but it seems to defy physics and logic. Once hot air reaches the peak of the roof, it has to go down several inches to escape the attic.
This October, Focus on Spring
This month, possibly more than any other, is the time to ensure that your garden stays healthy and blooming next year. It's a great time to assess and improve your landscape.
Big City, Little Apartment: Adventures in Downsizing Home Life
This academic year, my husband and I are engaged in a trial run with downsizing and relocating.
Do It Yourself
Q. Our bathroom is damp and has a serious mold problem because of poor ventilation. We could replace a fixed window with one that opens, but it would be expensive. Would a larger vent fan help? Are there any other options? -- M. Norvell
Secrets for Nurturing Sturdy Trees
A thunderstorm with strong wind is enough to send tree limbs crashing down onto property.
Home Front: Laminate Floors, "Greige" Paint, Red Dining Rooms, Cricket Invasions and more
Post Home Section staffers Jura Koncius and Terri Sapienza take questions on your decorating dilemmas and share some how-tos on accent walls.
Simple Steps to Cut Heating Costs
Q. DEAR TIM: What can I do to lower the cost of heating my home? The cost of fuel is going up faster that I can pay the bills. What are you going to do this winter in your home to lower your cost?
As Fall Sets In, Take Time to Walk, Learn and Listen
Lectures, workshops, tours and other programs are available around the region this fall. They're free unless otherwise noted. Many require registration, so call ahead.
The Bathroom as a Sanctuary
It's been an annoying fact of life for ages: You're enjoying your shower, someone in the house flushes a toilet, and all of a sudden it turns from heaven into Hades.
At Last, Pie-in-the-Sky Concepts Come Home
Eat your heart out, George Jetson. Technology can automate a house to the point where homeowners are alerted when food in the fridge goes bad, irrigation systems monitor dew levels and toilets medically analyze urine.
Do It Yourself
Q. We need to replace our water heater and are thinking of getting a tankless, gas-fueled heater. Are the energy savings of tankless heaters worth the extra up-front cost?
Before a Flood Hits, Check Into Insurance
It doesn't take much of a storm to flood some basements. Here's how to deal with the havoc water can wreak on a house:
Home Front: Online Decorating Consultants, What to Do with Leftover Paint, Decorative Pillows, Unclogging Drains and more
Post Home Section staffers Jura Koncius and Terri Sapienza take questions on your decorating dilemmas and advise on how to do a home makeover in stages.
Block Premature Rot in Wood Deck Railings
Q. DEAR TIM: The wood deck railing at my home rotted prematurely and needs to be replaced. How long should deck railings last? I love mine but wonder whether I should replace it with a vinyl railing or even an aluminum one.
A Lesson in 'Rainscaping': Building a Garden That Makes the Best Use of Water
It's been raining a lot lately, this being hurricane season. While it's good to leave our drought of the past three years behind, it's clear that sudden drenching rains, or sustained heavy rain, can cause flooding and serious damage.
Kitchen Design That Evokes and Invites Movement
Last week, I saw the most remarkable kitchen I have ever encountered.
Do It Yourself
Q. We want to get new windows for our house and are considering either new-construction windows (replacing jambs, sills and all) or just so-called replacement windows. What are the advantages and disadvantages of each type of window? -- J. Hoffman
Home Front: Restoration Hardware Paint Reviews, Sophisticated Pink, Feng Shui, Decorating with Pine Cones and more
Post Home Section staffers Jura Koncius and Terri Sapienza take questions on your decorating dilemmas.
Museum Piece Offers Glimpse of a Prefab Future
CHICAGO -- Just inside the first floor of the Museum of Science and Industry's Smart Home, a 20-year-old recovered Crate & Barrel sofa flanks a cool-to-the-touch ethanol-burning fireplace that floats in the middle of the room.
Organizing the Garage Without Pain
Few household activities inspire more dread than reorganizing the garage.
Practice Silicone Caulking Before Getting to Work
DEAR TIM: Caulking is not my favorite job, but I have to use silicone caulk to fix a leaking shower enclosure. Can you offer any tips on caulk removal so I do not damage the metal or the marble curb? What is the secret when working with silicone caulk? I always end up with a mess. -- Beth S., Sarasota, Fla.
Sustainability Starts in Your Own Back Yard
As gardeners, we are at the forefront of the new Green Revolution.
Do It Yourself
Q: Can we paint our brick fireplace? The only high-temperature paint we can find is flat black, and we want a brighter color. We plan to continue using the fireplace after painting. -- L. Magee
Home Front: Fall Design Trends, Countertop Options, Soft Sheets, Displaying Stuffed Animals and more
Post Home Section staffers Jura Koncius and Terri Sapienza take questions on your decorating dilemmas.
Dress Up a Concrete Hearth With Slate
Q: DEAR TIM: I have a concrete fireplace hearth. Is it possible to cover it with slate? If so, is that difficult? Instead of slate, should I just install a hearth pad?
Sprucing Up the Late-Summer Garden, Adapting to Shade and Battling Ivy
As summer comes to an end, you're still busy in your gardens.
Do It Yourself
Q: I want to put an insulated cover on the whole-house fan, which is in the attic floor, when the fan is not in use. Can you help?
Home Front: Challenging Living Room Configuration, Cleaning Oriental Rugs, Refinishing Furniture, Washing Pillows and more
Post Home Section staffers Jura Koncius and Terri Sapienza take questions on your decorating dilemmas. This week, they share some great ideas about decorative painting for children's rooms.
Framing a House Takes Specialized Knowledge -- and Every Ounce of Strength You Have
Q DEAR TIM: Framing a house has been a dream of mine for years. My husband thinks I should get some professional help -- and he doesn't mean a construction framing crew.
that is first time driver. Statistically young people cause most of the accidents, so the rates are higher for them.
Your Vehicle Mode and Driving Mileage - Is better to have a cheap low value car than a brand new sports car if you are looking for cheap insurance. Sports car pay higher premium due to the risk of accidents they have. Also vehicle that have higher rates of theft pay higher premiums.
Keep you mileage below 10,000 miles or your rates will increase.
Location - if you live in a big city where there is a lot of traffic and vandalism, you will pay higher rates than if you live in a rural town where there is little traffic.
Those are some of the most important points that an auto insurance company looks at to determine your auto insurance price. Ask for any additional discounts and drive safely.
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Sonic Payday Loans Makes The Process Faster And Simple By Bob MooreSome times financial problems take place in the middle of the months and in that situation you need the cash to solve it, dont worry because there are the best option to remove your fiscal problem Read more...
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Taking A Look At The Ohio Bankruptcy Laws By Michael SelvonOhio bankruptcy laws may differ from other states in terms of residential property exemptions, personal property exemptions and exemptible wages. Before you seek out your free bankruptcy form, you'll Read more...
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Learn Online Day Trading Today! By Jeff DanielsIf you're loitering around the cyberspace looking for some ways on how to make money online, then you should try online day trading. Day trading is a method used by a lot of investors nowadays in the Read more...
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