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Everyone can have an inner chef within themselves, we may just not know it is there, because we dread the process of heating up an oven that heats up the whole house, and putting in a huge roast or turkey that may not cook evenly, and then the inevitable cleaning up of black sticky messes when things boil over. We may think that cooking is more of a chore than a joy, but with a convection oven on your countertop, cooking becomes something you can master and enjoy every day.

The advantages of purchasing a convection oven that sits upon the top of the counter are many.new convection ovens You are not heating up the entire house for a small romantic dinner for two. The practicality of convection ovens is that foods are cooked via circulation of air and heat through fans “convecting” that heat and air all the way around the food, rather than radiating head only from above and below, the way conventional ovens do. This will cook the food more evenly, and in a faster time, allowing you to enjoy your amazing creations in less time and with better results. While conventional ovens have their place for large meals for feeding many people, a convection oven on your countertop is a great choice for weekday dinners that you still want to impress with.

There are more advantages to a convection oven, including the fact that it can also safely thaw foods, act as a toaster, reheat foods without the use of a microwave, and bake breads or cakes and desserts just like a regular oven can. With a simple accessory, you can even roast meats in a rotisserie style by adding a component to do so. There are an endless array of gourmet style options that you can have at your fingertips, with just a countertop convection oven that takes up very little room!

There are many styles and features that are available to peruse when choosing a convection oven that is right for your lifestyle. If you are on your own, you may want a smaller one without all the bells and whistles, unless you really like to flex your culinary muscles and try new recipes every day. Those with bigger families or who like to entertain may choose to have the ovens with more features or accessories like the rotisserie option. Your lifestyle can play a part in what sort of cooking you will be doing, but you can rest assured that by purchasing a compact convection oven for your countertop, you will be on your way to cooking some great meals with a fraction of the energy use and with more even doneness. The smaller size and convenient placement means cleanup is a far easier task as well. If you are a great cook but dislike getting down on your knees to clean out your regular oven, a smaller oven like this one should fit your lifestyle to a “T”.

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Power washing (also known as pressure washing) is an important property maintenance service you will want to consider on a regular and ongoing basis to keep buildings, driveways and parking lots safe and attractive. Pressure washing is the best time saving tool for property owners for removing dust, mildew, dirt or bird residual. We also recommend power washing a property if you are getting ready to paint. Power washing will remove the chalky residue from old oil or latex paint and help the new coat of paint to adhere properly.

Power washing can be used on many surfaces including: wood, granite, asphalt, concrete,How to power wash bricks or aluminum. We do not recommend power washing hardboards because they are sensitive and can become damaged.

What are the four key ingredients of power washing?
There are four elements to the power washing process: pressure, water flow rate, cleaning solution and heat. If one of these elements changes, the total cleaning characteristics change. For example, if you choose to use a cold water instead of using hot water, you will have to add more chemicals, apply higher pressure and / or use more water to achieve similar results.

What is the role of detergents?
Detergents emulsify the dirt better and quicker as the water temperature increases. This is especially true when cleaning oil or grease from a concrete surface.

How does power washing work?
The process breaks the bond between dirt and the surface being cleaned. The more water that is delivered per minute, means that faster cleaning can occur. This is especially important when removing materials like mud or road tar. Note: Variations in job size, conditions and operator skill may affect the end result.

What are some terms to be aware of?
Gallons Per Minute (GPM). The more gallons per minute used, result in a reduced cleaning time. Be sure to ask your potential contractor what is the GPM rate they will use on your project.

Pounds per Square Inch (PSI) is a rating code to determine the strength of the power washer. The great the number, the stronger the water stream can clean. For example: to properly clean a concrete driveway, we recommend using at least 3000 PSI.

Pressure Washer Hose
A wire-braid high pressure hose can be rated up to 4500 PSI. This hose is normally gray in color and can be used freely on any surface without worries of possibly leaving marks on the property walls.

Start with a Plan
Before you begin a power washing project, take some time to make a plan. We offer a valuable checklist to help you plan your next power washing project. Check our website: HBEquipmentCo.com for details.
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How to Power Wash a Wood Deck

Power washing a wood deck obviously isn’t rocket science. But without some caution, the cleaner can easily cause more damage then imaginable.

The truth of the matter is that pressure washers were never really intended for use on wood surfaces. These high pressure machines are really designed for hard surfaces so the operator has to take great care when using on a deck. I know the guy at the rental company or the sales man at the local home store said cleaning a deck is a cinch, but actually it is much easier to become a “wood engraver” then you might think. I know what I’m talking about after having to attempt to correct the workmanship of many DIY’ers over the years.

So please accept this warning so you don’t have to rent a floor sander next weekend to remove the traces of your cleaning effort. You will never need a machine capable of producing more than 1500 pounds per inch water pressure. Even at this power, it is very easy to damage your deck

Be sure to wear old clothes and safety glasses. You are going to get wet and you will get sprayed with the cleaning solution regardless of how careful you are. In many positions on your deck surface, such as in corners, the spray has no where to go except right in your face.

Having said that, pressure washing a deck can produce excellent results if you take your time and use the machine in the proper way. The first step is setting up your machine. You attach a 3/4 inch water hose to your machine. Now attach the high pressure hose with the spray wand. At this point, turn you water on. Do not attempt to start your machine until the water is connected since this can do damage to the pump section of your machine.

When starting many gas powered machines you might find it easier to start if you squeeze the trigger until the water flows through your machine. Take a few minutes and be sure your overspray will not damage any plants or outdoor furniture, etc. To prevent any damage from your cleaning solution, just cover with waterproof tarps at this point. Just remember, all that water and cleaning solution has to go somewhere. You don’t want to go out the next morning to find spotted plants or house siding.

The secret to cleaning decks is to let your cleaning solution do most of the work. Away from the deck, preferable on a driveway or hard surface walk, use your machine to get used to the power. Open the spray head to a wide spray or “fan” pattern since this is what you will use 99% of your time. You are going to use that “fan” spray to rinse off your cleaning solution. Even in this position, the spray will remove embedded dirt with little effort.

There are literally dozens of deck cleaners on the market today. Some are simple detergents, while others contain bleaches and specific chemicals which react with certain wood types. I would strongly suggest against using household bleach. Stick with the commercial deck cleaning products to minimize the danger to your surrounding areas and plantings. Many of the larger deck stain manufacturers have their own deck cleaning products. Which ever product you chose, be sure to read and follow the manufacturer’s instructions. You will find that most instructions will not include any directions or suggestions of using a pressure washer. They are well aware of the dangers I mention above.

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It’s always a little sad when one has to start worrying about pensions.

Expats are no different to most people in that the word ‘pensions’ reminds us that aging is inexorable and that we need to think about making some sort of provision for that period in our lives when work may be a thing of the past.

For expats there are always added complexities. Will the pension be payable locally? Will it be taxed back in the old country? What are the currency issues? How will legislation ‘back home’ affect me if I’m living overseas?

This is a vast and complicated area and this is the first in a short series of articles that will examine one particular aspect of the pensions maze – QROPS. This slightly scary acronym stands for Qualifying Recognised Overseas Pensions Scheme and relates to how expats can move their pensions out of the UK to their new country of residence.

Before we get into the intricacies of this, let’s first think about some basic definitions and facts.

Pensions are complicated!

One of the characteristics of articles on pensions is that any ‘what is best for me?’ type questions can’t be answered simply. What you as a reader should do with/about your pension scheme to maximise your benefits and reduce your risks is something that can only be decided once an expert has discussed with you your individual specific circumstances and made some evaluations based upon understanding those in-depth.

You should never make decisions about what to do with your pension based upon any general article, including this one. In a sense this is a disclaimer – always consult an expert to make sure you know you’re doing the right thing.

What is a pension?

No single article can describe the complexities in full of the UK’s pension system.

In this article we’ll consider simply that a pension is a financial provision (policy, investment, employer’s scheme etc) that you contribute to over your working life so as to provide you with regular income from your retirement onwards. They will be governed by legislation that restricts what you as ‘the saver’ can do with the funds accumulated before retirement age and in theory, what the person holding your pension funds can do with them.

Types of pension

There are vast numbers of schemes policies and financial instruments that all qualify as ‘pension schemes’ and they will have different characteristics. For the purposes of this article, we’ll consider that all of them come under one of four headings;

- State pension
- Private pensions schemes
- Occupational pension schemes
- Estate & Related Pensions

At the outset we can discount here ‘estate’ and special arrangement type pensions. These are rare and usually include things such as sums paid regularly after retirement age from a family estate scheme or trustee fund etc. These tend to be highly specialist areas and if you are in receipt of such you most certainly will need advice on what’s best for you if you’re thinking about how expat status may affect them.

The state pension is something that most UK citizens will be familiar with. Basically it works quite simply – as an employee amounts are deducted automatically from your salary and invested by the government. If you’re self-employed you equally simply make mandatory pensions contribution payments to the social services organisation. There are schemes for both employees and the self-employed to ‘top-up’ their contributions if they wish to secure a higher payment at retirement age.

At retirement age, and presuming you have made sufficient contributions over time, you will be paid a state pension each month.

QROPS has no effect on these state pensions or the estate type pension payments.

Occupational pensions schemes allow employers to take and make contributions on behalf of their employees and invest this into pension schemes. At retirement age the company will pay its retirees an annual pension. These schemes are sometimes referred to as ‘company pensions’.

For many years people have also been able to save for their pension by investing in private pension schemes. Sometimes they have been able to fund this by ‘opting out’ of some components of the state scheme and/or their occupational pensions schemes. These private pension schemes also offer regular income payments upon retirement.

It is within these two categories of private and occupational pensions that QROPS has its effects. For convenience from this point onwards we’ll refer to these collectively as non-state pensions.

For many years the non-state schemes were effectively ‘locked’ with the contributor being able to do little or nothing with the funds that had accumulated there. This was a particular challenge for expats who, for many reasons, would have preferred to move their pension fund(s) overseas with them easily and without trauma.

It is worth making clear at this point that there is an important difference between an expat receiving their pension payments overseas and moving their pension or pension fund overseas. It has always been possible and relatively easy to get a UK state or non-state pension paid to you overseas even if sometimes through a UK bank as intermediary. Moving your pension overseas is different and involves shifting the accumulated savings and funds out of the UK to a new company or institution overseas who will then have responsibility for paying you your pension at retirement age.

The political & economic objectives of pension schemes

It’s not unusual to find people, expats or otherwise, who struggle to understand why they can’t access their pension funds as they wish. If you have 30 years worth of accumulated savings in the UK in your various pensions, why can’t you take 25% of it out to fund that new house extension? You know that locally to you in your new country there is a bank that offers apparently superb pensions schemes, so why can’t you just transfer all your UK pension savings into the new local scheme?

Some countries believe that the state has an obligation to look after its citizens and should not allow them to get themselves into a position whereby they become destitute at retirement – an age where most will be unable to recover their financial position. It’s also true that the state does not wish to be left with lots of pensioners to support who have no income via savings in either state or private pensions.

In these countries, and the UK is one such, the state insists that all people contribute some of their earnings through life into a pension scheme to provide for their old age. As such, governments cannot allow unrestricted access to these funds without putting at risk this objective.

Over recent years however, the EU has recognised that we live in an increasingly global and mobile world. The EU was keen to ensure that people are treated equally when making pensions contributions and that they have the right to move their funds where required. Out of this QROPS was born – to provide a facility to allow the transfer of pension funds from the UK to an overseas country and scheme.

QROPS – The principles

QROPS was introduced under UK legislation and practice changes in 2006. Basically it now means that people will be able to transfer their non-state pension funds to an approved overseas scheme.

What this means simply is that if you are living in say Australia and wish to transfer your UK non-state pension fund to a local pension organisation scheme, then you can do so. As a point of technicality, you do not have to be resident in the country you transfer to.

So if you live in Australia you could transfer your on-state pension funds from the UK to New Zealand or France – that would be perfectly acceptable under the scheme.

The key thing to note though is the use of the word ‘approved’ in the above. Any overseas scheme that you wish to transfer your pension to must be approved by Her Majesty’s Revenue & Customs (HMRC).

The ‘approved’ here means that the scheme is legally registered and approved as a pensions scheme in the country concerned, and that it is able to comply with the mandatory reporting requirements of HMRC. A full list of qualifying schemes and companies listed by country is available on the HMRC website.

In the next article, we’ll be exploring QROPS further and looking at some specific examples as to WHY a QROPS could be advantageous to an expat.
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If you’re looking for toys that can educate your child while they’re enjoying hours of fun VTech fits the bill very well in both categories. VTech offers an award-winning array of learning toys and games for every age group from infant through teenager. From their first products which were home video games to their latest offerings in tablets and readers VTech consistently offers some of the best products on the market for children.

The company was started in 1976 and has become a world leader in the electronic toy market. They began their Electronic Learning Products (ELP) line in 1980 and have pretty much led the market in that area ever since with their consistent innovation and ever-expanding selection of products. They virtually have a product for every stage of learning that your child will go through from toys that assist your baby as they learn to sit up and then take their first steps, VTech Walker to baby walkers with all sorts of activities on them that help educate children as they progress to using phones, cameras, computers games, laptops, and tablets which they will use as they get older

When your child is an infant there are a variety of toys that are available in the VTech Baby Walker line as they learn to walk. The VTech Sit-to-Stand Learning walker is one of them. The Sit-to-Stand Learning Walker is designed to assist your child through learning and entertainment activities as they grow and develop. From crawling to sitting to standing to walking this learning toy provides a variety of fun gears, rollers, piano keys and other gadgets to experiment with on the front panel of the walker while helping your baby as they learn to walk.

Other products in the Baby Walker series include:

• VTech Sit-to-Stand Activity Walker
• VTech First Steps Baby Walker
• VTech Sit-to-Stand Alphabet Train

VTech also offers other lines of products for preschool age and older children in the area of learning toy/game devices. There are far too many to mention in one article but I will go over some of the more popular ones here.

VTech MobiGo is a hand-held miniature video game system sort of like the Game Boy, but for 3 to 7 year olds. It helps kids learn numbers, letters, colors and more while playing interactive games using game cartridges. It has a 4.3 inch color touch screen and a slide-out keyboard, as well as large kid friendly operating buttons that control the action of the games. The cartridges are easy to plug in and there are a variety of popular games based on characters that are well known to children such as Mickey Mouse, Toy Story, and Dora the Explorer and these games teach as well as entertain. MobiGo comes in two cool color combinations blue/orange and pink/purple. It is also made of durable plastic and cleans up with just a damp cloth.

VTech InnoTab is a multimedia learning tablet. It comes with a multitude of features including learning games, an MP3 player and video player, clock, calculator and many other applications. With the InnoTab your child will learn essential skills in spelling, reading, math, creativity and logic through interactive games and activities. It has a 5 inch color interactive touch screen operable by drag and drop, tap, flick or pat. InnoTab can connect to your PC or laptop via USB cable to upload additional games, learning materials and eBooks and also enables you to monitor your child’s progress. It comes with a 64mb memory that is expandable with a memory card. It is recommended for kids ages 4 to 9.

What most people do not know about patio umbrellas is that they ward off the rays of the sun and also shield us from light precipitation as well as dry autumnal leaves. Patio Umbrellas are a low-budget answer to your shade requirement in your lawns, backyard or poolside. While ready-to-buy patio umbrellas are a popular choice, a handful of customers do go for the designer umbrellas. In such cases, patio umbrellas can be custom-made to meet the exact consumer needs. Though designer stuff will surely cost more than the ordinary patio umbrellas.

The framework of typical patio umbrellas can be made of wood or aluminum. A standard patio umbrella carries the following features:
Crank
Button
Pulley
Collar tilting mechanisms

If you wish to up the style and elegance quotient of your outdoor décor, go for the patio umbrellas. These form the main item of allure between your other outdoor furniture pieces. See that your new patio umbrella is coordinated with the color scheme of your patio cushions as you shop. Also, take care that patio umbrella you are buying comes with a heavy, robust base lest it is not blown away by strong winds. For avoiding this casualty, make sure you buy strong and heavy based patio umbrellas. Assess the worth of the patio umbrella carefully during purchase. See to it that a flawed piece is not sold to you.

It can be a very good means of advertisement. Usually, companies have their logos and slogans printed on the patio umbrellas. Wooden kind give an aesthetic look to the outdoors. They have a pulley system that limits its versatility. It can be either table mounted or ground mounted. For the table mounted patio umbrellas, there is a provision on the center of the table for the attachment. Sometimes, the patio umbrellas do not come with good stands, due to which you might need to buy one separately from the market.

It can withstand harsh environmental conditions because of the material used. Tilting the patio umbrella is also very important. Most of them come with the tilt feature to enable you to tilt them in the direction of the sun. Maintaining them is very easy and can be washed with regular detergent and water. Periodic washing of them ensures the long life of the it. If they have a metal pole, you need to provide the necessary coating to prevent it from environmental damage.

Sunny summers may be taken care of by them, but the chilly winters herald the need of patio heaters. These heaters weave their magic and turn cool wintry evenings into pleasantly warm ones. If you wish that summers had never gone and want to make use of your outdoor spaces for an extended period, this is the one need. Usually, patio heaters provide heat in a 10-15 foot radius and increase temperatures by 10-15 degrees. Be it domestic or commercial, patio heaters find good use. For the homeowners, lawns, backyards and decks can be warmed by patio heaters.

Commercially, patio heaters are used in open air restaurants, pubs and other such places to have fun. Patio heaters may utilize electricity or gas as fuels. Electric patio heaters heat by radiation. They have the added advantage of not flickering in gusty evenings. However, the caveat with them is that they do run up the electricity bill. Bigger electric heaters consume more electricity. Put in other words, power consumption is a function of the size of the electric patio heater.

Gas patio heaters utilize propane gas to give heat. Gas patio heaters have greater transportability than their electricity-fuelled cousins. Electric heaters can warm efficiently smaller areas of 10-25 feet. For areas beyond, gas heaters can be utilized. Some designs of gas heaters resemble mushrooms in shape, and are thus called as mushroom heaters sometimes. Natural gas may also be used as fuel in gas patio heaters. Propane as well as natural gas are quite cheap and hence used frequently.

Patio umbrellas and patio heaters cannot be done without if what you are planning is an outdoor party. Patio umbrellas ward off rays of the hot sun while patio heaters keep the icy fingers of winter away. Patio umbrellas and patio heaters serve the one purpose of upping the comfort quotient of your kith and kin alike.
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Whether it’s a blue sky of cloudless clime or an ebony star-filled night that fills your senses, you want to stay outside as long as you possibly can. On your private patio, at your favorite restaurant, or camping the great outdoors; holding onto the elusive summer warmth has never been so hard. Or is it? Our wide assortment of portable, table-top, residential, and commercial outdoor patio heaters, will have you looking ahead and behind to warm temperatures. We’ve gathered together all the most important features, tips on buying, and heating options for your future outdoor heating comfort. With great names in outdoor heating such as Endless Summer Patio Heating; finding efficient, safe, and effective outdoor patio heating has never been so easy.

· Utility

When trying to determine what type of patio heater you’ll need, it is crucial that you match the product with the intended purpose or utility. If you want to provide outdoor warmth as an added feature to your restaurant or commercial business, our huge assortment of propane and electric commercial patio heaters will keep them coming. Made of stainless steel and designed to provide a soft warmth for up to ten hours, these patio heaters have up to 40,000 BTUs, and are all self-contained–no electrical cord! Moreover, The Triple Dome Performance technology ensures high-level efficiency by deflecting wind, and reducing the amount of wasted heat output. All of our patio heaters offer automatic shut-off features; determined by time, heat, and tilt angle maximum; to ensure only the safest in outdoor heating innovation.

If you just want to extend those summer months into brisk Autumn for the family or entertaining at home, our large assortment of residential patio heaters will take the chill out of nature. Built with large bases for stability, these outdoor comfort wizards have burners over 3′ tall, produce up to 40,000 BTUs, and will warm an area up to 20′ in diameter. What’s more, you can use the same kind of tank you hitch to the BBQ, for easy remove and replace base features. State-of-the-art Pushbutton Piezo Electric Igniters will have you aglow in no time; and when its time to go inside, the tilt angle maximum, Oxygen Depletion Sensors, and automatic shut-off technologies will ensure a quick and safe shut-down. And the best part is, your patio heater will come fully assembled to your door; so you can spend more time grilling, mixing cocktails, and playing catch!

· Power

To gas or not to gas…that is the question. Most people have a preference for outdoor heating power. Whether you’re looking for a natural gas, propane, or electric patio heater; we offer a wide assortment of outdoor heaters engineered for a variety of different purposes. Our gas patio heaters promise comfort in commercial or residential environments in a more economical, Patio Heater ecological and efficient way to stay warm, and most people who already employ natural gas in their house or business, choose the convenience of feeding the resource out to their heater.

Our propane patio heaters offer a tank hook-up like your outdoor grill, and require only an occasional replacement tank depending on the frequency of use, and offer the assembly-shy a convenient easy hook in-take out way to power the outdoor heat.

If you opt to purchase an electric patio heater, chances are you’re looking for the most convenient, inexpensive, maintenance-free outdoor heating device. We offer portable electric patio heaters and ones inclined towards outdoor patio areas. It all depends on how much your geographical location values electric v. gas energy. In the case that electric is less expensive, you may want to opt for the electric variety which will ignore wind gusts and produce an unfettered heat supply.

· Space

If you’re looking to save space on your patio or want to take some heat for the road without losing the heating power or radius in your patio heater, look no further: our wide collection of portable, table top, and patio space heaters will keep you warm and comfortable when your outdoor patio is quaint or those camping nights chilly. Our stainless steel weather-resistant portable patio heaters have a heat radius of up to 250 ft, supply 4,000-9,000 BTUs, and at a propane burning rate of .19 to .42 pounds per hour demonstrate efficient consumption of easy-to-find one pound propane cylinders. These beauties are all self-contained, have push button pilot ignitors, and automatic tip-over and low oxygen shut-off safety features. And when we say portable, we mean portable: these heaters only weigh a little over 8 pounds!

Our table top patio heaters are perfect for small patios and outdoor nooks. Centerpiece these stainless steel units on your outdoor table for a self-contained, no plug, no hassle, warming radius of up to 10′, producing up to 15,000 BTUs on those brisk Autumn and Spring nights. A touch of the Pushbutton Piezo Electric Igniter will have you warmed in seconds, and the automatic safety tilt shut-off engineering will deliver the reassurance you need to defy temperature and space.

· Safety

Being safe when powering up any outdoor patio heater is crucial, regardless of power supply or size. We’re talking about your house, your loved ones, your livelihood, and Mother Nature. That’s why our wide collection of outdoor patio heaters are adept with safety features to ensure the strictest precautions are taken, even when you’re not there to remember them…let’s face it…you’re human. If the heater falls prey to a wind gust or loose elbow, our Safety Tilt Shut-Off Systems will shut off the gas or electric supply if the angle is tilted more than 18 degrees. If the oxygen is running low in your patio heater, your Oxygen Depletion Sensors will pick this up and shut it down.
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