Three Tips on Getting a Black Coach Canvas Bag

Knowing women, we shop like we will never see a shopping mall again. Yet, not all are impulsive shopper. There are still girls who insanity are far better than the others. That is why, even if they are going to give in to the compulsion of shopping, they would still think of shopping but within practicality. Therefore, if you are looking for a good Back Coach Canvas bag here are some tips on finding a good one that you can afford.

Tip # 1
When you are shopping for a Coach Canvas bag or any tote, make it a habit to ask yourself: "Do I need this?" This will be your guide on buying. This brings you to reality. Some girls just want a canvas tote because they just want to buy something from Coach.

Tip # 2
It would be better to get a Coach Canvas bag that you could use every day. Coach is just too good to lay sitting on your cabinet. This is more than a fashion tote but they are more of an every day tote-unless you have a lot of Coach handbags in your wardrobe that you can alternate. So, pick a design which you know you can use every day. It should be spacious enough for your everyday belongings and not those small little purse that are used only for gimmicks and parties.

Tip # 3
Look for a good bargain. Well, there are many people who sell their Back Coach Canvas tote online. It is not because they are damaged, but some just need the money. Well, others do it for a business. It would be better to buy from outlet stores too. That would surely give you a good price and bargain.

You should be practical nowdays. Spending on a Canvas tote could be expensive. But you make your purchase worth it if you follow those tips above. Happy shopping!

Mercedes 126 Repair - Forgotten Fluids, Part I

While most responsible Mercedes owners remember to change their engine oil reasonably frequently, not everyone remembers to look after the other lubricants on the car. This article focuses on arguably the most severely neglected fluid: the gear oil in the rear differential.

DIFFERENTIAL SERVICE

Most Mercedes 126 cars have "open" differentials, though a few of the later models came with limited-slip differentials. The former do not require much attention and are, in fact, extremely robust. Hot-rodders have found that the rear differential on the 380SE can handle as much as 800hp through the rear wheels. But, that does not mean we can forget about it completely. The gear oil should be changed at roughly 100,000-mile intervals, or every 50,000 in severe service. If left in too long, it will eventually lose its ability to lubricate and starts to resemble frothy pea soup! (It does not smell too good, either!)

Fluid capacity is only about 1.5 quarts, so there's no excuse not to use the "good stuff." Amsoil, Redline, and Royal Purple all make high-quality synthetic gear oils, typically with 75W-90 viscosity. Just as with an oil change, this is best done with the fluid at operating temperature. The two plugs in the differential - upper fill and lower drain - take a 14mm hex key and are usually extremely hard to budge. A long breaker bar will be required. Make sure that you loosen the filler plug first, because if you remove the drain plug and then find the filler is stuck, you've got a bit of a problem. Melting an ice cube in the filler plug's 14mm-fitting may help loosen it through thermal contracting.

Refilling is much easier with a small oil pump. Simply fill until the gear oil is level with the filler hole; when it starts to see out of the threads you know you're done. To ensure an accurate fill, the car should be level during this operation, though this is not critical. If you leave the rear of the car up on jack stands, a slight overfill will ensue. Torque the plugs to 50Nm (37 lbs / ft).

Seniors Need Income, Not Payments

When I create my personal balance sheet, I list all my assets and liabilities. The assets include bank deposits, investments, retirement accounts - and my home. Of course, my liabilities include credit cards, student loans I signed for (I have three in college), and my mortgage. That's my picture at age 54. But for retires, the home does not always appear as an asset, even if it is free and clear of any mortgage. Folks consider it "wealth", but it really is an asset that has a zero rate of return. Some think that because real estate values ​​rise, that means they "made money" on their home. This is simply not true.

No doubt retirees find much security in having their homes paid off, not having a monthly mortgage payment to make. That is great for cash-flow. But for many retirees, their home is the only asset they have. Many different agencies report that as many as 70% of retirees have less than $ 25,000 in retirement funds, and an equal amount depend on Social Security benefits as their sole source of income in retirement. This is a very sad statistic.

So how can that home, that proverbial "nest egg" turn into an income-supplementing asset? Before I answer that, I want to point out that many seniors say their home is their nest egg, and that it is where they would turn to for cash. Well, there are two ways to get money out of your home - you can sell it, or you can take a mortgage. If you take out a mortgage, you can have a monthly payment, or do not have a payment.

Recently I met with a client, age 75. She needed to supplement her income. Her husband of 50 years passed away, and she found out that she will be living on much less income than before. Her husband's pension ended upon his passing, and of course the SS benefits decreased as well. Seven years earlier her bank recommended she take out a HELOC. That worked well for a while, until the payments started to increase and she approached maxing out her line. She absolutely was left with a payment and no income - just the opposite of what she came in asking for. Now HELOCs are a fine way to access a home's equity, but it is not a solution for supplementing income, especially in retirement age.

A much better solution would have been a reverse mortgage line of credit. There are no monthly payments (interest accrues). The line actually grows (currently about 4% a year), and can never be called in. Credit requirements are minimal (not credit score driven, no debt / income requirements).

In this client's case we are extinguished her current mortgage, eliminated her monthly payment, and still provide her to provide a significant line of credit. But the improved cash flow was enough for her to maintain an excellent quality of life.

Finally, a reverse mortgage is not something that should be sold. It is a financial tool that can improve the quality of life for seniors, reserve assets, and eliminate much potential financial and emotional duress for the senior and their families.

For more information, contact me or visit www.topflitereverse.com/florian to see what you can qualify for.

Campers Motorhomes - Understanding the Role of the Leisure Battery

Have you ever thought of purchasing a motorhome and enjoying the associated lifestyle. Good idea, it's a pursuit practiced and enjoyed by many around the world, but be aware of the difference between living in a motorhome compared to living in your domestic house. Do not jump into buying a brand new motorhome without thinking it through and being comfortable with your new found responsibilities.

The basic principles of a motor home and a domestic house are the same in that you have four walls, a roof over your head, admittedly much less space in your leisure vehicle, but it is a space in which you can live in and travel in for a lengthy period, with the correct planning. Like a domestic house you have running water and power - and these are the two key components of the motorhome you must understand.

Electricity in a domestic house requires no maintenance, until something breaks. Electricity and your supply of power in a motorhome requires constant attention. Unless you are plugged in to a mains electricity supply at a campsite, your power supply is coming from a limited source. These sources include, your vehicle battery, your leisure battery, generator power and solar power. These all require constant vigilance. Your leisure battery is generally intended to provide a small amount of voltage supply for a long period of time, for example the power required to light the living area of ​​your motorhome. But it also does power the 12 volt points such as 12 volt televisions, dvd's, toilet flushing, water pumps etc. It recharges when the vehicle engine is on (via the alternator) or when plugged in to camp site mains electricity. The leisure battery may, in some cases also be powered by solar panels.

Managing your leisure battery in your motorhome does take some care and attention, but once you take care not to run it down completely, you should avoid embarrassing confiscances. Do not forget to care for your battery in the winter time - take time to charge and discharge it during those cold months.

Photo Cake

If you've been to a child's birthday party recently, you've more than likely to have seen a photo cake. A photo cake has a photograph of the guest of honour or something they hold close to there heart imprinted on top. Thanks to technology, a non-toxic photo can be printed out and used as a cake topper!

How is this possible? Most people ask this and its simple the person wishing to have a photo on cake made gives a favourite photograph to a website of choice. The website will print out your image with and description that you require on happy birthday or anything you want then you will add it to your cake.

To make the photograph for the photo on the cake, the website will add any inscription you require and print the provided photo. Once the photograph fully edited it's printed out on special edible "paper" made from potato starch, water, vegetable oil. The ink used to print the picture onto the edible paper is made from food colouring.

(This edible paper won't take away from the overall taste of the cake)

The things to keep in mind when picking your picture will be that you want the person or main object to be centre this will help if you want an inscription on your picture so the inscription can go around the edge. If you can't find a picture were the person / object is centered a good website will still be able to produce a great photo cake.