Sunday, May 20, 2012

Dream Kitchen: Starting With the Cabinets | ej-fransen.com

Having the perfect kitchen is something that most people, whether or not they are home owners, dream about. It?s easy to lose yourself in daydreams of big beautiful stainless steel appliances, gorgeous floors, and perfectly matched cabinets. The only problem with this daydream is that you?ll likely be jolted back to reality as you ponder the price tag. Instead of shooting for a one-time renovation you may want to consider honing in on one of the areas and then working your way to the rest of the kitchen as time goes on.

Why Change The Cabinets?

Floors are great and so are granite counter tops, but cabinets can really set your kitchen apart. Not only are they a huge focal point, but they also offer storage and practicality. Many people think that in order to get their dream kitchen cabinets that they need to replace their old ones. But, this is not true. In many situations homeowners can get keep their old cabinets, but just refinish them. At this point you should be seeing a stack of cash representing the money you?ll save.

Refinish or Replace?

Replacing all of the cabinets in a home is very expensive.? It is also a big project that usually takes a few weeks.? It also causes the home or the area to be unusable for most of that time.? But, by just refinishing your existing cabinets the project can be done in just a few days.? And, usually the kitchen or area of the home with the cabinets can still be somewhat usable.

Many older cabinets were built very sturdy.? They are durable and able to last for a long time.? Unless the cabinets have some damage they might be able to last as long as the home will.? But, as styles and trends change the homeowners probably want to update the look of their cabinets.? This is when they should look at refinishing their cabinets.? Refinishing the cabinets will make the home look newer and more modern.

Make a Statement

Getting new cabinets in a kitchen will improve the look of the whole home.? Cabinets are something that makes a statement in a home.? They can either add to the entire look and d?cor of the home, or they can really take away from it.? This is why it?s important to have nice looking cabinets in the home.

Cabinet refinishing is something that more and more people are doing.? They find that it?s cheaper to refinish, reface, or paint their existing cabinets, than replacing them with newer ones. ?Homeowners should consider refinishing their cabinets to get the kitchen they?ve always dreamed of.

Micah Castro is a freelance writer for Cabinet Coatings of America who specializes in cabinet refinishing in Phoenix.

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Toronto Custom Kitchen Cabinets, Custom - Getting a high end ...











So you are ready to make the leap and invest into a high end custom kitchen and want to save 50-70 percent of fees that you would pay to a high end designer? Conventional wisdom would have you believe that the best thing to do is look up the top designers, get a few quotes and get the work done. Alternatively you could hit the town and find a custom kitchen shop, get an estimate and get the work done. Finally you may do a few searches online and come up with the top kitchen design / producers.

Either way, this is a very rocky and surely expensive way to get a high end custom kitchen. The best choice is likely to go with established high end designers (a list of high end designers can be found in special editions of any of the established publications such as Architectural Digest). They will surely deliver a high end product, custom fitted to your space. This however is the most expensive route.

Hitting the town for a custom kitchen shop does not guarantee a good quality, high end kitchen. Even though a lot of custom shops talk a good story, very few can deliver a truly high end. If you try to find a high end shop by yourself, you will have to go through tens of failed attempts before you find the right one, and even in that case, how can you tell up front?

Going with a high-end pro custom kitchen shop has its advantages and it may not be as expensive as going with a high end designer, however pro shops typically have lines that you get to choose from and they do not deliver a truly custom product. The materials finish and hardware is typically not truly high end either.

So what is one to do? The question boils down to this: Where do high end (REALLY HIGH END) designers get their work done? Most of them use a combination of high end local shops and some limited off-shore outsourced work. They spend many years finding and refining their list of custom shops. If you could only reach out to the designers and ask them who they use? Well unfortunately no designer will give you this information. Also, most shops are forbidden by contract to advertise their designer relationships. Here is where we can call the internet to help.. By doing searches such as: "Custom High End Kitchens", one should identify a number of shops and give them a call. Ask up front to speak with an owner or manager and ask up front which designers the shop has experience working with.

Most shops are willing to disclose this information over the phone, but cannot advertise is. If the shop can quickly provide you with a list of designers and provide images of work done, they are most likely legitimate. Non-pro shops most often struggle with this type of question. Once you narrowed down your search, visit the shop to verify that everything is done on site and not ordered from overseas where quality is FAR inferior.

In the end, what can you save once you find the high end shops that designers use? Typically you can save anywhere from 50-70 percent of what you would pay a high end designer.

A few high end shops are:

* http://www.proj-ex.com/ (Quebec) * Roman Szot (romanszot.com) * Hemel Group (Garrett Hardy) -- not totally high end, but works with high end designers

So you are ready to make an investment into a high end Custom Kitchen Cabinets, if yes then you can save 50-60% cost. Visit our site for more information: http://www.romanszot.com

Keywords: Toronto Custom Kitchen Cabinets, Custom Kitchens Toronto, Custom Kitchen Cabinets

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Cubs P Kerry Wood expected to retire

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Saturday, May 19, 2012

Good cholesterol may not be what keeps the heart healthy

By themselves, higher levels of HDL don?t explain lower cardiovascular risk

Web edition : Friday, May 18th, 2012

Some shine may have worn off ?good? cholesterol?s halo. A new genetics study shows that merely raising levels of high-density lipoprotein ? also known as HDL or good cholesterol ? does not help protect against heart attacks.

The finding appears to contrast sharply with population studies showing that people with high levels of HDL have a lower than average risk of heart attack. But the results, published online May 17 in the Lancet, may mean that blood levels of good cholesterol serve as indicators of some other biological process that protects the heart, and that HDL itself is not directly involved in heart health.

Doctors often use measurements of two types of cholesterol in the blood as a tool for identifying patients facing a higher risk of heart attack. Data collected from large studies show a consistent pattern: People with high levels of low-density lipoprotein, called LDL or bad cholesterol, stand a greater than average chance of having a heart attack. Those epidemiological data have been backed up by drug studies showing that lowering LDL levels also lowers heart attack risk.

But the case for HDL has been less clear. ?As a predictor, HDL is perfect. It?s unequivocal,? says Benjamin Voight, a geneticist at the University of Pennsylvania in Philadelphia and a lead author of the new study. Yet drugs that raise HDL levels haven?t performed well in clinical trials. On May 7, the drug company Roche announced that a trial of its HDL-boosting drug dalcetrapib had been stopped because the drug was not effective.

Losing weight, stopping smoking and increasing exercise ? all actions that boost HDL levels ? also improve other heart disease risk factors. That has made it difficult to tease out just how protective HDL is on its own. To find out, Voight and his colleagues compiled blood test results and genetic data gathered in earlier studies from more than 116,000 people, including more than 20,000 who had suffered from heart attacks. About 2.6 percent of those studied carry a gene mutation that raises HDL cholesterol levels, on average, about 7 milligrams per deciliter over levels of people who don?t carry the mutation. That increase in HDL was expected to decrease the mutation-carriers? heart attack risk by 13 percent.

?But surprise, we didn?t find that,? says study coauthor Sekar Kathiresan, a cardiologist and geneticist at the Broad Institute of MIT and Harvard in Cambridge, Mass. People genetically endowed to make higher levels of HDL didn?t have a lower risk of heart attack.

To make sure the result wasn?t a fluke, the researchers compiled a genetic score for 53,813 people based on the number of 14 other HDL-boosting genetic variants the person carries. Even people with the highest genetic score, and thus the highest HDL levels, weren?t protected from heart attack. To make sure the technique works properly, the researchers also compiled an LDL genetic score and got the expected answer: higher LDL levels were associated with higher heart attack risk.

?Maybe HDL is not what we should be worried about as such,? says Ruth Loos, a genetic epidemiologist at Mount Sinai School of Medicine in New York City. Although the finding doesn?t seem to mesh with epidemiological studies, she says, ?to me the results are really credible and very convincing.?

While the genetic results indicate that HDL by itself doesn?t affect heart attack risk, ?I?m still hopeful. I don?t think the entire thing is hogwash,? Kathiresan says. He still believes that HDL is a marker for an interesting biological process going on behind the numbers. He and Voight hope to tease out the genetic components of that hidden process in future studies.


Found in: Biomedicine and Genes & Cells

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APNewsBreak: Loretta Lynn married at 15, not 13

FILE - In this Nov. 10, 2010 file photo, singer Loretta Lynn poses in the press room during the 44th Annual Country Music Awards in Nashville, Tenn. Newly discovered documents indicate country music legend Loretta Lynn is three years older than she has led people to believe, a change that undermines the story told in "Coal Miner?s Daughter.? (AP Photo/Evan Agostini, File)

FILE - In this Nov. 10, 2010 file photo, singer Loretta Lynn poses in the press room during the 44th Annual Country Music Awards in Nashville, Tenn. Newly discovered documents indicate country music legend Loretta Lynn is three years older than she has led people to believe, a change that undermines the story told in "Coal Miner?s Daughter.? (AP Photo/Evan Agostini, File)

An image of the birth certificate of country music legend Loretta Lynn, who was born Loretta Webb, is seen in an image provided by the Kentucky state Office of Vital Statistics. Newly discovered documents indicate country music legend Loretta Lynn is three years older than she has led people to believe, a change that casts shadows on the story told in "Coal Miner?s Daughter.? The birth certificate on file at the state Office of Vital Statistics in Frankfort, Ky., shows that Loretta Webb was born on April 14, 1932, in Johnson County, Kentucky. That makes her 80 years old, not 77, as numerous books and other references claim her to be, based on her widely-accepted birth year of 1935. The record was filed in 1965. (AP Photo/Kentucky state Office of Vital Statistics)

An undated image provided by the Johnson County, Ky., clerk?s office shows Loretta Lynn's marriage certificate for her marriage to Oliver Vanetta Lynn, Jr. Newly discovered documents indicate country music legend Lynn is three years older than she has led people to believe, a change that casts shadows on the story told in "Coal Miner?s Daughter.? In Lynn's 1976 bestselling autobiography, she says she was married at 13, moved with her husband to Washington State at 16 and was a mother of four by 18. Lynn was instead married at 15, which was not unusual at that place and time. (AP Photo/Johnson County, Ky., clerk?s office)

LOUISVILLE, Ky. (AP) ? Country music legend Loretta Lynn is three years older than she has led people to believe, an age change that undermines the story she told of being married at 13 in "Coal Miner's Daughter," documents obtained by The Associated Press show.

Lynn's birth certificate on file at the state Office of Vital Statistics in Frankfort, Ky., shows that Loretta Webb was born on April 14, 1932, in Johnson County, Kentucky. That makes her 80 years old, not 77. Also on file is her marriage license and two affidavits from her mother, Clara Marie Ramey, and S.W. Ward Jr., who was not related to the family, listing the same birthdate.

The records weren't filed until 1965, which meant that Lynn needed multiple documents to prove her age at that time. Lynn's signature appears on the document as Loretta Webb Lynn.

Melvin Webb lists his daughter "Loretta" as 7 years old for the 1940 Census, according to a digital copy on file at the Kentucky Historical Society. Lynn's marriage license, obtained by the AP from the Johnson County clerk's office lists her as 15 on Jan. 10, 1948.

In "Coal Miner's Daughter," the autobiography that became an Academy Award-winning film, Lynn told a different story ? that she was married at 13 and was a mother of four by 18. Most books and public references to Lynn list her current age as 77.

When contacted by the AP, Lynn's spokeswoman, Nancy Russell of Nashville, Tenn., declined comment. She said that Lynn has told her before in no uncertain terms, "If anyone asks how old I am, tell them it's none of their business!"

Lynn's younger brother, Herman Webb, declined to disclose Lynn's age, although he said there might have been a "mix-up" with Lynn's paperwork after she moved to Nashville to launch her country career. Her parents and many other relatives are dead, including her husband, O.V. "Mooney" Lynn.

Certainly Lynn isn't the first celebrity of a certain age to be less than forthcoming about a birthday, but the discrepancy is significant because age isn't just a number for the Country Music Hall of Fame member. It is woven into her compelling life story, made famous in her 1976 bestselling autobiography, "Coal Miner's Daughter," and the subsequent film starring Sissy Spacek. The movie made $67 million nationwide and was nominated for seven Oscars; Spacek won for her portrayal of Lynn.

The Grammy-winning singer recently announced that it will become a Broadway musical, starring actress and singer Zooey Deschanel.

The way Lynn chose to tell it in the book, she was married at 13, moved with her husband to Washington State at 16 and was a mother of four by 18. Lynn has six kids in all. The marriage certificate shows that Lynn instead married just shy of her 16th birthday, which was not unusual in Kentucky at that time. Her husband was 21.

It would have been illegal for a girl under the age of 14 to marry in Kentucky in 1948, said R. Eric Henninger of the Kentucky State Law Library. At that time, he said, "lots of folks didn't have any sort of official proof of age."

An AP reporter recently found Lynn's birth certificate online that listed a different birthdate from the one listed in the news agency's database of celebrity birthdays. The reporter changed the date in the database; when the new birthday was used in a recent story, the Country Music Hall of Fame contacted the AP about the discrepancy.

Lynn addresses the perils of disclosing her age in her autobiography.

"When I was born, Franklin Delano Roosevelt was the president for several years. That's the closest I'm gonna come to telling my age in this book, so don't go looking for it," she writes. "I'm trying to make a living singing songs. I don't need nobody out there saying, 'She don't look bad considering she's such-and-such years old.'"

Lynn's co-author on "Coal Miner's Daughter," New York Times sports columnist George Vecsey, said in a phone interview that he did not verify the age claims in the book with official documentation.

"It's her book, and I never saw a birth certificate, marriage license. It's what they told me," he said. "I couldn't say that she was the one who told me first. Between her manager (David Skepner) who has passed and her husband who has now passed, it was at least three different people telling me that."

Vecsey said he did not want to speculate on what the age difference means to Lynn's narrative.

Lynn's daughter, Patsy Lynn Russell, did not respond to emailed requests for comment.

Webb, her brother who lives in their hometown of Van Lear, Ky., believes "there might have been a mix--up somewhere along the line" when Lynn first arrived in Nashville and signed with the Wilburn Brothers.

"When she was with Teddy and Doyle (Wilburn), she just don't tell her age after that," he said. "I think they got some of her paperwork messed up."

Webb declined to comment on Lynn's age. When asked his own birthday, like a good brother, he replied: "I was born a year and a half after she was."

Research supervisor Walter Bowman at the Kentucky Department for Libraries and Archives said in the early '30s it was more common for people to register their prized horses or livestock than the births of their children.

Not until the Social Security system was founded in the mid-1930s did parents have a monetary reason to put their kids on record.

Social Security Administration officials said privacy laws prevent them from releasing information about any living person, including a birth date.

Music journalist and author Robert K. Oermann, who wrote "Finding Her Voice" about women in country music, said nothing can overshadow Lynn's accomplishments.

"In the 1960s, you didn't have the 24-hour news cycle, saturation of personality journalism that you have today. So what appealed to people was the fact that the songs were so extraordinary. Her singing was so great. Everything about her was so refreshing and country," he said.

"It wasn't until much later that people became aware of her backstory, but the music itself is what made her a star. The biography, the life story was just the icing on the cake."

In 1972, Lynn became the first woman to be named entertainer of the year by the Country Music Association. She is known for hits, including "Coal Miner's Daughter," ''You Ain't Woman Enough," ''The Pill," ''Rated X," and "Don't Come Home A' Drinkin' (With Lovin' on Your Mind)." Her last top 10 record as a soloist was "I Lie" in 1982.

__

Online: http://www.lorettalynn.com

__

King reported from Washington. Contributing to this report were Associated Press reporter Joni Beall in Washington? who discovered the age discrepancy ? Roger Alford in Frankfort, Ky., and Stephen Ohlemacher in Washington.

__

For the latest country music news from The Associated Press, follow: http://www.twitter.com/AP_Country

Associated Press

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Tips Every Credit Card Owner Should Know

If you find yourself dissatisfied with the interest rate on your card, request an adjustment. If they will not change it even after you talk to the retention team, start searching for a card with a lower interest rate. When you discover one, switch to a company that will serve you better.

When looking for a secured card, you should avoid prepaid cards. These are just another form of debit cards and they are not reported for credit purposes. Prepaid debit cards do little for you besides provide you with an additional checking account, and many prepaid debit companies charge high fees. Pay a deposit and get an actual secured card that will help better your credit.

Keep a running total of your credit card expenditures and post it in a highly visible location. Doing so helps to visualize the total amount you have spent. We often end up spending way too much before we know it, when this could have been prevented by self-monitoring.

Keep a close watch on your balance. Be sure you know your card?s limit before making purchases. If you happen to charge an amount over your limit, you will face fees that are quite costly. It will take much longer for someone to pay their balance down if they exceed their limit consistently.

If one of your credit cards has lower interest than another, you can utilize that card to pay off the other credit card. Even if interest rates are not appreciably better, some credit cards offer rewards with a value toward vacation travel and hotels. Just make certain to sit down and do the math first.

Never be scared to ask the credit card company to lower your interest rate. If you have a good credit history with them, they may give you a better rate. Simply call up your creditor and ask for a better rate.

Don?t close accounts. Closing an account can hurt your credit score instead of helping. When you close an account you have a higher amount of debt with a lower amount of available credit.

Once you have applied for one or two credit cards, do not apply for others. Every time you open a new credit card account there will be a negative report on your credit score. Don?t jump on offers that are in the mail or an email that guarantee approval because they generally have very high interest rates.

It may be difficult, or downright impossible, for you to get your own credit card if you are younger than 18 years old. You will probably need to have a joint account with an adult if you want to use a credit card. Even though some retail stores cater to teenagers, most major companies don?t offer them a credit card.

Don?t view zero percent credit cards as a free pass to spend more. While this offer seems a great deal, overspending is generally the result. Usually after 6 months to a year these interest rates go up and that person now owes a lot more than they previously thought.

Credit cards are not without advantages; they make spending easier and help to create a desirable lifestyle. Along with the clear advantages credit cards offer, there are dangers to avoid. Used carelessly, credit cards can cause financial ruin. The above article had great advice to help consumers make wise credit card choices and avoid negative consequences.

How To Know What Your Credit Card Finance Charges Are

Credit cards have the capacity to serve as valuable financial tools for anyone willing to use them in a responsible, disciplined manner. Knowledge is essential, however, when it comes to choosing the best cards and using them in the most effective way possible. Use the ideas in this piece, as part of your daily life and you will be well on your way to becoming a smart credit consumer.

We highly recommend you Compare Credit Cards in order for you to find the best information on apply for credit cards with bad credit

Always make sure to keep tabs on your credit cards. Know exactly where they are, and exactly how to find them if you need them. Credit cards are as valuable as money and if you do not know where yours are, you could be putting yourself at risk for falling victim to financial problems.

Remember that you must pay back what you have charged on your credit cards. This is only a loan, and in many cases, it is a high interest loan. Carefully consider your purchases prior to charging them, to be sure that you will have the money to pay them off.

You need to pay more than the minimum payment each month. If you aren?t paying more than the minimum payment you will never be able to pay down your credit card debt. If you have an emergency, then you could end up using all your available credit. So, each month try to send in a little extra money in order to pay down the debt.

Upon finding out that you have lost your credit card, or that it becomes stolen, alert your credit card company immediately. Your card provider can use anti theft techniques, such as locking your account, to prevent anyone else from using your card to buy items and rack up unwanted charges.

Take a long view towards reducing your credit card debt. If you are trapped into only making minimum payments and not making any headway towards the overall debt, think six months down the road. Paying all your bills on time and removing incorrect information from your credit history and reports can mean getting a new credit in half a year. Just a few points of lower interest rates on your new balance, can shave thousands off of your debt.

When you are looking over all of the rate and fee information for your credit card make sure that you know which ones are permanent and which ones may be part of a promotion. You do not want to make the mistake of going for a card with very low rates and then they balloon shortly after.

If you are going to be applying for your first credit card ever, you must be aware that your credit limit will probably be low. Many beginners think that with their good credit, they will get a high limit. In reality, companies want to make sure you can afford to pay your current limit, before offering you a higher one.

Credit cards can be a great tool when used wisely. As you have seen from this article, it takes a lot of self control in order to use them the right way. If you follow the advice that you read here, you should have no problems getting the good credit you deserve, in the future.

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Thursday, May 17, 2012

webtechman: Did you see these Useful Social Media Infographics? http://t.co/UBaJUpU3 via @Carol_Stephen @carrieatthill @12Most #twitter

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