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Your Car Heater is Blowing Cold Air: Here are Top 5 Reasons Why

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During the winter, it becomes tough to be in the car without having the heater work right. If the heater doesn’t work correctly and leaves cold air instead of hot, it becomes frustrating. Having such car issues can be stressful and troublesome for the owner unless it’s fixed on time.

However, if you notice any changes to the heater, you should call a professional to immediately take care of the issues. Your top truck heater can blow cold air at any moment without leaving any signs before. So, you should know the reasons when a car’s heater can blow cold air.

This article will lead you to the top reasons below.

Heater Core Issues: When the car heater’s coolant doesn’t work correctly, it can blow cold air. There might be a clog in the heater core’s tube that holds on the air from blowing. The heater core is made from an aluminum tube that has a hot coolant. 

And for this, you get the heating action from the heater in a car.

So, when the coolant does work fine, but the air is not warm still, you should check out the heater core.

Issues with Coolant: Your car’s coolant works when the engine fails down during the summertime when the temperature is really high. It is made of 50% water and 50% antifreeze. The coolant brings out warm air throughout the heater core into your car. 

You feel cool for a few minutes, but after that, the coolant heat up the car’s interior. So, when the cold air doesn’t come to a point to end, you should check out the coolant level. The vehicle can be at a low level on coolant, and then the heater core will not send any warm air.

Engine Thermostat Issues: A thermostat opens and closes like a valve to keep the engine coolant neutral. When the thermostat has issues, it will not open or close and be stuck in a fixed position. Thus, the coolant gets overheated and damaged. 

When the coolant gets damaged, the heating core doesn’t pass warm air into the car. Therefore, you should look after the thermostat issues immediately to provide the coolant and heater core better.

Leakage of Water: Another issue you can get is a leakage of water. There can be different places for the leakage, such as a radiator, hoses, water pump, etc. They can be damaged or leaked, and the car’s heater will not work.

You see, the problems can arise from a little place you may not have any idea about. You need to inspect if the car’s regular activities are expected before the situation gets complicated. Contact a professional mechanic to take care of small car issues because your little ignorance can lead to a massive expense for more significant problems later.

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Why Shifting To Natural Cleaning Products Is A Necessity

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COVID pandemic has taught humans many important lessons. Most importantly, we have started to care for our health and that of our loved ones. But improving health doesn’t only mean to start eating healthy and workout daily. 

You also need to make some other changes. For example, replace your traditional kitchen cleaning products with organic ones like a natural kitchen cleaner spray. These products are comparatively safer to use and don’t cost much either. 

Moreover, the EPA highly recommends the use of natural cleaning products. If you are still dicey about – whether to shift to these products or not – we have a solution. Following are a few reasons why opting for organic cleaners makes more sense today:

Less Harmful If Mistakenly Swallowed

According to the American Association Of Poison Control Centers – household cleaning products were responsible for around 190,319 cases of poison exposure in 2017. And 45.2%, out of them, were children aged five or plus. 

The stats are enough to prove how dangerous traditional cleaning products are for your children. They are made from chemicals that, if swallowed, might kill a person. And since kids are unpredictable, it’s best to replace your cleaners with natural cleaning products. 

They are made from natural substances and are thus least harmful to the human body if consumed mistakenly. Some people will say – “I have secured my home and kept all the harmful substances and products out of my kid’s reach.” Well, childproofing is a great solution, but it’s a temporary one. 

You might someday make a mistake by leaving it open, which gives exposure to the danger. Using natural cleaning products like a natural kitchen cleaner spray limits the potential harm. In addition, they also offer peace of mind that your kids are safer.

Improves The Air Quality Of Your House

You must have noticed that when you spray glass cleaner on a surface, it dries up very quickly. That’s because most of the traditional cleaning products contain compounds like acetone and ammonia. And according to the EPA, these compounds affect the indoor air quality of your home. 

In addition, they also contribute to nose/throat/eye irritation, nausea, headaches, and damage to our nervous system. On the other hand, a natural cleaning product eliminates the risk of all these and other health issues. Since most of them are made from baking soda and various essential oils, they offer a more subtle clean with a safe scent. In other words, they keep the quality of your indoor air good.

Less Clutter

How many empty plastic bottles of cleaners do you have in your home? Do you use different cleaners for different surfaces in your house? Surprisingly, you don’t need separate formulations to clean different surfaces. All you need to do is to switch to green multi-surface products like natural cleaning spray by CulleokaCompany. By doing so, you’ll save a lot of space in your cabinet and stabilize the number of empty plastic bottles in your home. When the liquid in the cleaners finishes, you can replenish it as refills of products are easily available.

Final Words

For these reasons, it’s clear that shifting to natural and organic cleaning products is crucial for you. In addition, it’s also a great way to contribute towards the green cause. So what are you waiting for? Replace your old cleaning products with natural ones now!

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Joseph Giardina: Insurance and Charity Work Paired Together

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Joseph Giardina, the president of North Castle Insurance Agency in Armonk-North Castle, New York, is an interesting insurance agent. His character is not what you would expect as an insurance agent. At any chance he gets, he is working for charities and supporting food banks, and donating to organizations that support children with numerous terminal illnesses and cancer. “I like to give back to my community as often as I can because there is more to life than only looking out for yourself. It’s about helping others in any way that you can,” he says.

It doesn’t have to be Christmas for Joseph Giardina to give back in the biggest ways, but he does have a family tradition that started almost fifteen years ago where he provides the annual Westchester Christmas dinner, an annual dinner for 350 guests from homeless shelters across the county, 40 hams and 40 turkeys. Thinking back, he remembers seeing a flyer on St. Mary’s Church for donations and impulsively volunteered to donate all of the meat needed for the event. “I’ve been doing this ever since. I think it’s really important to give back what you can to those in need,” Joseph Giardina says.

At the time, he wasn’t sure how he was going to meet the donation he made so rashly. “I was a young dad with a new business and it wasn’t the wisest decision,” states Joseph Giardina. “But, I knew it was the right thing to do. It started one of the best family traditions we have now.”

Another great  example of his charity work is him being a Board member of the Gabrielle’s Angel Foundation. The Foundation is led by the founder Denise Rich and has very similar goals as Joseph Giardina. “There is so much suffering in the world and my goals are very aligned with this organization,” he says. “Too many people, adults and children, are hurting and struggling with cancers and terminal illnesses and have to find more effective treatments. I love serving for the mission, truly.”

Joseph Giardina’s service to the Greater Tri-State area and Greenwich, Connecticut. 

For twenty years, he has been advising clients on how to choose the best insurance policies for their needs. “It’s been a great career,” Joseph Giardina says. “I meet people at pivotal times of their lives. Some are excited about buying their first home but unsure how to protect their investment. Some are teens who just got a car and are learning the responsibilities that come with it. No matter the situation, my team and I sit down with each client and help them be sure they know exactly what they are purchasing.”

North Castle Insurance Agency’s extensive life insurance policies

Life insurance is one of the top three policies that Joe’s clients buy. “It’s a very wise decision,” he says, “because while we would all like to live forever, none of us will. What will happen to your loved ones if the worst happens? This is especially important if you are the primary breadwinner or have children. This was true for one of my clients, who died suddenly when he was only 30 years old or so. His wife suddenly had no means to support herself, and she had young children to care for. Because he had purchased a life insurance policy with us, I was able to give her a $500,000 check at his funeral. That brought her peace of mind for their financial future even though the money could never bring her husband back.”

North Castle Insurance Agency’s homeowners insurance

If the key to a new home brings the purchaser excitement, then homeowners insurance brings peace of mind. “A home – be it a condo, a house, an RV, or a trailer – is such an enormous investment and responsibility that no one should be without homeowners insurance,” says Joe. “The policies do, unfortunately, contain a lot of complex terms that can make anyone’s eyes cross. Never be afraid to ask us questions at North Castle Insurance Agency. We will do everything we can to help you have a thorough understanding of what you’re purchasing.”

North Castle Insurance Agency’s additional insurance policies 

Additionally, North Castle Insurance Agency offers expertly managed insurance policies for car, umbrella liability, boats/yachts, commercial property, workers’ compensation, and business automobile. “We are a full-service insurance agency for individuals, businesses, and families,” states Joseph Giardina. “We can help you purchase a reliable, reasonably priced policy that fits your situation.”

Joseph Giardina, a trusted insurance expert in the Greater Tri-State area.

Joseph Giardina has been helping individuals, families, and businesses understand and choose insurance policies for the last two decades. He served as the CEO of Metric Records/ Sony/Red/JBR Distribution, President of the Giardina Agency, and President of Ovation Risk Planners. Today he is the President of The Giardina Group as well as The North Castle Insurance Agency. Joseph Giardina also insures the community of Greenwich, Connecticut.

The dedication of Joseph Giardina to both his clients and his industry have earned him numerous awards and respect among his peers. He has been honored seven times with the Allstate Inner Circle Award and ten times with the Allstate Chairman’s Award. He is a fifteen-time winner of Allstate’s Life Leader Award. Joseph Giardina is a member of the Columbus Citizen’s Foundation and the Gala Chairman of the National Cooley’s Anemia Foundation, Inc. He is an Honoree of the Chazz Palminteri Child Reach Foundation. Joseph Giardina is also still serving the communities of Poundridge, New York, and Waccabuc, New York, with his charity work.

Joseph Giardina is driven professionally; he is set out to achieve his goals and ambitions. One of those may surprise you about him: he was honored by the Recording Industry Association of America for the sales of more than 1,000,000 copies of the Hollywood Records compact disc “Jonas Brothers.” “I think that is really cool,” he says. “A few fans are impressed if they find out.” 

People first is Joseph Giardina’s motto whether it is work or volunteering. “Everyone matters and I want to reach out where they need it most,” he says. “Even in my work, I know that people are hurting and if they have to file a claim, that things aren’t always going well. That is why me and my team are conscious about how we are leading our clients.”

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How Are Savings Plans Different from Investment Plans?

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If you want to build a reinforced financial foundation for yourself and your loved ones, knowing of savings plans and investment plans is extremely crucial. However, they’re not the same thing and work in totally different ways.

While each of these plans allows you to have a more comfortable financial future, it’s necessary to know the fine lines of differences between the two to be able to know where and when is best to invest for the maximum returns.

The primary difference between investment and savings plans is the level of risk required. Although savings plans offer you lower returns with time, they are associated with literally no risk. On the other hand, investment plans may provide you great returns, but contain a significant risk.

With that said, let us take a look at the key differences between savings and investment plans. Additionally, you’ll also know about the most prominent investment and savings plans available in India that help you build long-term wealth:

Savings Plans vs Investment Plans – In A Nutshell

In simplest terms, a savings plan allows you to accumulate money to generate a huge corpus of money that may prove to be helpful for future requirements. They are ideal for long-term goals as they allow you to make sure that you have the required money at the right time in the future.

The premiums you pay towards these savings plans are deposited in a low-risk bank account. On the other hand, investing is just like putting money in a savings plan, provided that you’re looking to gain higher returns in exchange for greater risk.

A typical investment plan may utilize your premiums in market-linked investment bodies that carry a certain level of risk. If you’re planning to choose an investment policy, then it is recommended to invest your capital for the long term to gain the maximum benefits.

Top Savings and Investment Plans in India

1.TATA AIA Wealth Maxima

With the help of the TATA AIA Wealth Maxima Unit Linked Insurance Plan, you can invest for a tenure as minimum as 30 days. Whether you’re a man in his mid-30s or a young working professional, this plan is certainly a great choice for you, especially if you want to gain high returns in a short time.

This plan also comes with a maximum maturity age of 60 years, and also allows you to choose from several different policy terms. Whether you want to invest for 10 years, 15 years, or even 20 years, the plan offers everything under the same hood.

It even allows you to choose your preferred fund options to make sure that you gain the most prominent returns as per your financial preferences.

2.Max Life Monthly Income Advantage Plan

The Max Life monthly income advantage plan is a comprehensive non-linked, participating, and individual insurance savings plan that helps you easily accumulate a huge sum of money in the form of a financial corpus to help your family continue sustaining a proper lifestyle in the event of your unfortunate demise.

This plan comes with a large number of unparalleled features that make it one of the most prominent savings plans available in India. Once you’ve completed the policy tenure, it will begin offering benefits in the form of fixed monthly income for at least thirty years.

Furthermore, the policy even promises to offer you numerous accrued benefits without paying anything extra such as a terminal bonus on the maturity of your plan. With such exciting benefits, you can easily make the most out of your policy.

3.Bajaj Life Insurance Capital Guarantee Solution

The Capital Guarantee Solution offered by Bajaj Life Insurance is a savings policy that allows you to invest your money in market-linked products and guaranteed upfronts that help you gain very good returns with only a minimal amount of risk involved.

This plan has successfully maintained its position as one of the best performing large-cap funds that offer you a return of 14% for an estimated timeframe of seven years. By making consistent investments in this plan, you can easily accumulate a significant amount of wealth to help your family live a comfortable life and fulfill all their dreams.

4.Canara HSBC Oriental Bank of Commerce – Guaranteed Savings Plan

The Guaranteed savings plan offered by Canara HSBC Oriental Bank of Commerce Life Insurance offers you assured benefits on the maturity of the plan, provided that you’ve paid all the premiums towards the policy. It offers you a life cover for the complete term, while you only need to pay premiums for a limited time.

Additionally, this plan also provides you enhanced protection to your family through lump sum benefits in the event of your unfortunate demise. There are even guaranteed benefits offered by the plan on its maturity.

You can even choose a preferred term as per your preferences and select from multiple policy term options. There’s even a high premium booster that allows you to enjoy additional benefits in return for higher premium commitments. It also acts as a greattax-saving plan.

Final Words

To attain complete financial security in the future, you must make sure you start investing and saving your capital as soon as possible. By accumulating your funds consistently for a long time and investing them in the right assets, you can easily generate a huge corpus for a bright future.

There are several different types of investment and savings plans available in India as per varying requirements. To choose the one that fits the bill for you, make sure you assess your financial requirements and capabilities beforehand.

Lastly, make sure you also have a look at the various options listed above. These plans are aligned as per the ranging needs of users that help you gain the most out of your savings or investments. 

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If the Other Driver Is at Fault, What Compensation Can I Get?

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Nowadays, traffic collisions have become a common issue. If you have experienced a motor vehicle collision in which the driver of the other vehicle was at fault, you may get compensated in a myriad of ways for the damage incurred in the accident. 

The amount and type of compensation you will receive depends on various factors like the complexity of the physical damage incurred or the extent of the property damage. 

As every car accident case is different, you must contact an experienced personal injury lawyer before accepting any offer of compensation from the other driver or their insurance company. 

Many attorneys provide at any reputed law firm regarding the legal proceedings and will help you in every matter related to your case. 

Now we will discuss the compensation that you can get from the other driver:

  1. Compensation For Vandalisation To Property

In a motor vehicle collision, if your car gets damaged due to another driver’s fault, you will be compensated for property damage. A compensation of this type pays for the cost of making repairs to the damages that have happened to your car in the accident. 

In cases where the damage to your car is substantial, you will receive an amount equivalent to how much your car was worth before the accident. 

  1.  Personal Damages Payment 

Traffic collisions can also cause injury to the driver and the passengers of the vehicle. The driver who is at fault will be responsible for providing different types of personal injury compensations such as:

  • Medical bills and expenses- This covers the ambulance cost, medicines, any medical device cost, and follow-up visits with any healthcare professionals or physician. 

If you are injured slightly and brought to the hospital just for a few hours, the process will be uncomplicated. 

But if you were heavily injured and stayed in the hospital for a month, then the process becomes complex and time-consuming. You have to file different types of paperwork and have to wait for an answer from the insurer of the driver who was at fault. 

  1. Compensation For Lost Wages

After you have been through an accident, it will be hard for you to go back to work. This will prevent you from earning that you would otherwise normally pocket. Compensation for lost wages will cover this by providing you the monetary amount that you would have earned. 

If your injury is such that it prevents you from doing your job for at least one month, you will get compensated for that month. 

If your injury is severe and prevents you from continuing your job further, you may get compensated for some lost future income. 

If you reside in or are visiting Anaheim and experience a car accident, make sure to get in touch with a car accident lawyer in Anaheim

  1. Compensation For Special Modifications Done In Your House

Getting injured in an accident can alter your ability to function. You may find difficulty in walking or moving. You might need a wheelchair to move or a handicap-accessible shower. You will get compensation for all these from the party who was at fault. 

Conclusion

As car accident cases are complicated, you should always take help from an attorney. An experienced attorney will review your case and clear all the queries you have running through your mind. If you decide to take legal action, they will fight for the money that you deserve. 

Author’s Bio

Shrey Jain is the Co-Founder of Writofy & a Chartered Accountant who works with a team of creative content writers. He holds a forte in creating informative content on niches like crypto, business, fintech, digital marketing, and several others. In addition, his willingness to learn and share his knowledge can immensely help readers get valuable insights on varied topics. 

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How to pack a lamp for the move?

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When it’s about shifting to a new place then one should keep in mind to handle lamps with utmost care. They are among the most delicate pieces of furniture which are to be handled with maximum care. Lamps are present in different shapes and sizes. Talking about the metal lamps, they also have certain weak points which are fragile. Not to forget, all the cords, light bulbs, and all these things need to be handled carefully for the move. No matter lamps are actually of any use but everybody has them in their houses. Some people have brought it as per their décor while some people have got them as gifts from their family and friends. The expert out of state movers state that if you have lamps in your moving inventory, you take them along as per the care they deserve.

Do you really need to take the lamp along?

When you are planning to move you need to understand what kind of new space you are going to. If the new space in which you are going has less area and you can’t put up all the lamps, then declutter the one you don’t want. Simply don’t pack all the lamps if you don’t need them. However, one more thing is to be considered when you plan to take the lamp that is the condition of the lamp. If you feel that the lamp you are planning to take is not in a good condition than simply leave it. Don’t carry things along which will just be a load and of no use over there.

How to pack the lamp for the move?

As you have made a clear plan on what lamps you want to take along and what you are not going to take, now you need to think about the way that is the packaging required for the lamp to carry along. Firstly it is vital to understand that lamps are simply not safe in a cardboard box. Even the metal lamps could be spoiled. So in that case, make sure you get the sufficient material required for the packing. 

Material required for the packing

To pack your lamp safely, you need certain materials such as boxes, packing paper, bubble wrap, packing filler, black marker and packing tape. However, for the packing paper, you can make use of old newspapers if they are available at your place. Even for the black market, you can use any permanent marker which is available in your house. In case you are using old boxes, make sure they are strong and have no creases. The used boxes sometimes have torn areas which would be unsafe for the lamp.

Things to be taken care of

Before you start the process of packing, make sure you remove the extra stuff present on the lamp. It comprises light bulbs, lampshades, and any detachable or moving pieces.  If you comprise of the original boxes which are there for the light bulbs, you can put up the light bulb in the same packaging and go ahead with the further process. If you are not having the original packaging, then it will be a great idea to leave the light bulb and buy new ones at the new destination. However, if you still want to carry the bulb you need to pack each one of them separately. You can make use of paper by forming several layers along with the bubble wrap. You can also use wide cardboard tubing that will also be a great way to pack.

For the soft lampshades, you can stack all of them together and pack them in a box. It is recommended that you only pack the shades and light bulbs in a box without making use of anything else. If you need to put up other items in the box, you can choose soft things like sheets, curtains, towels, and other bedding. However, for the glass lampshades, you need to be more careful. Make use of bubble wrap and packing paper before you put them up in a box. Try to put them up in a tight box so that the shades don’t bump. 

Details about the packing process

Remove the harp

Almost all the lamps have a harp. It is basically a u-shaped metal or plastic frame that is required to hold up the lampshade. In particular, the harp is the cover that surrounds the light bulb. There are two types of harps. One has a screw and the other one is fitted with pressure. Remove it gently and put a label on it so that you don’t mix it with the harps of other lamps.

Take care of the lamp cord 

The cord of the lamp should be packed properly so that it is not damaged during the move. You can secure it by taping up a small piece of bubble wrap all around the prongs, and then cautiously wrap and the cord and tape it.  Make sure you don’t cover the tight corners and harsh kinks present in the cord. 

Cover the Lamp Base and put it in the box

Now you need to wrap the main body of the lamp. If the lamp comprises any strange bends or curves, you should begin from there. You need to ensure that in those specific areas there is a little extra bubble wrap. To the more, you should also fill the gap in these areas by using newspaper or packing paper. This friction caused by the bubble wrap won’t harm the lamp. Now place the lamp in the box and make sure you use the tape to secure everything present in the box. However, you can make use of one box to pack different lamps but be careful that the box is not overloaded. To the more, there should not be huge gaps in the box. To fill the gaps you can use curtains, clothes and other fabrics to fill the gap. After all this mark the box as fragile with the marker and tape it further.

Whether you use lamps to read books or as an aesthetic element for your décor, make sure you follow this guide to efficiently pack them and transport them to the new house. 

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