The 4 Elements of API 653 Owners of ASTs Should Memorize

Storage Tank MaintenanceAPI 653 is one of the standards for maintaining the safety and integrity of above ground storage tanks. Owners should know their 4 critical components by heart. Failure to comply with the rules and regulations set in this law could bring about disastrous consequences that can affect both human and the environment.

  1. General Tank Information

The first step API 653 inspectors conduct is acquiring general information about the above ground storage tank itself. They take note of and review the descriptions of the AST including its specifications, construction, release detection methods, and spill control.

  1. Inspections of the AST’s Bottom, Tank Shell, and Tank Roof

The API 653 standard enables certified inspectors to conduct various types of checks on the components of the above ground tanks. The most common methods they use include visual, spot (ultrasonic), scan (ultrasonic as well), liquid penetrant, penetrating oil, magnetic particle, radiography, magnetic flux scan, vacuum box, and tracer gas.

These ways of inspecting the crucial part of the tank allow inspectors to determine any faults in the tank that can turn either suddenly or gradually into a huge problem.

  1. Bottom, Shell and Roof Structural Integrity and Construction Considerations

During inspections, the certified AP 653 inspectors need to factor in certain structural integrity and construction details, including the above ground tank’s minimum remaining thickness, the minimum required thickness and its maximum corrosion rate.

  1. Evaluation of the Tank’s Settlement

Last but not the least is to evaluate and examine the AST’s positioning. API inspectors have to check whether the tank is already tilting or has settled improperly into the ground. The most important factors inspectors consider during this step include the tank’s dish type, uniform, out of the plane, localized dispersions, edge settlement, and rigid body tilting.

It is only through this standard that AST owners can establish whether they already need their tanks to undergo API 653 tank reconstruction or repairs, thus, as an owner, make sure your hired inspector conducts all four steps.

Your Mortgage Down Payment: Why Pay Less Than a 20%

Mortgage in St. GeorgeConventional wisdom in the Beehive State tells you it’s advantageous to put down 20% of the property’s sale price in a mortgage. In many ways, this holds true: it renders you a less risky borrower to lenders, it essentially eliminates PMI, it reduces your loan amount to save in interest over time, and it could qualify you for better rates.

At a glance, paying one-fifth of the real estate’s purchase price out of your pocket makes financial sense. It’s even a heroic act to take a serious time to save and not hastily apply for a mortgage, and you think you’d be reward with your sacrifice. But this isn’t always true.

Unfair as it may seem, but it may even work against you, unfortunately.

Rate of Return

Other than your home, you must look at your property as an asset as well. Under the right economic conditions, it would appreciate over time. This means you’re passively building your wealth just because you pick the right location.

But the larger your down payment, the smaller your gains. Irrespective of your down payment size, your home’s value would increase or decrease the same way.

So if you put down, say, $84,000 (20%) on a $420,000 property, and it grew at 8% in just a year, your rate of return would just be 40%. Unlike when your down payment is $21,000 (5%), your rate of return would be a staggering 160%.

Illiquidity

Cash is a liquid asset, which means it can easily be withdrawn and spent. But if you use it for down payment, it quickly becomes home equity — an illiquid form of asset. Although home equity is factored in to calculate your net worth, you can’t use it for anything in the hour of need.

Any mortgage company in St. George, Provo, or Salt Lake City would tell you that you could only convert it back to cash by either selling the property or taking a cash-out refinance. In addition, both transactions would cost money to some extent.

Risk of Foreclosure

One of the main motivations for putting down an oversized down payment is avoid being in a negative equity position. In the event the real estate market crashes, house prices could sharply drop too. If you have plenty of equity, you could keep your head above the water.

However, most homeowners don’t realize that lenders are less keen to foreclose properties with no equity. On the contrary, if you default and face the brink of eviction, your lender may be less eager to foreclose your underwater property because of the substantial loss he or she would have to absorb.

Paying a down payment is certainly beneficial in many ways, but be conservative with its size. If you don’t think prudently, you might unnecessarily pay cash on your property and suffer in the end.

Fences to Keep Your Pets Happy and Safe

Fencing Option While invisible electric fences might appear to be a chic and sophisticated choice, they are not the always the best idea. For many, there’s nothing more embarrassing than having a pet that’s constantly digging up neighbour’s perfectly manicured lawn. The idea of picking up after a dog is quite emotionally draining and likely become a cause of a lawsuit. 

Some crazy neighbour might end up shooting your dog, creating different problems. Rather than facing many complaints, you can choose to install a heavy-duty fencing around your property to keep your pet from running wild.

According to Direct Trades Supply, your pet’s size and behaviour as well the amount of space available are some of the factors you must consider while ordering fencing supplies.

Wooden fencing

Attractive, affordable, easy to repair and available in many styling options, wooden fences make an excellent choice to contain your pets. Such structures are sturdy enough to hold large sized dogs without suffering too much damage. Opt for a stockade fencing if your dogs have a tendency to bark at passing cars and other outside disturbances.

Aluminium fencing

Low maintenance, affordable and visually appealing, aluminium fencing can meet your security needs. If you have puppies, you can opt for puppy pickets – small spaced posts at the bottom to keep them from passing through the gaps. Such accessories increase functionality without trading off beauty.

Vinyl fences

Durable and safe, vinyl fences create a safe environment for your pets since they are free of sharp edges and do not require nails. They come in a variety of choices to offer both closed and open views depending on your needs.

Visible fences such as these make a better and safe choice in pet containment as opposed to invisible barriers. The pain that results when a dog tries to cross an invisible fence could lead to a change in behaviour as well as harm its health.

Get the Right Retirement Community for You or Your Parents

Retirement Community Time will come that you have to make tough decisions for yourself and for your loved ones. One example is moving your senior parents, and later on, yourself to a retirement community. While the decision to transfer is usually met with difficulties, it is often necessary to respond to the changing needs of ageing folks.

It’s easy to find senior living communities around, but choosing the right one could be difficult. Be guided by the following tips when choosing an ideal community either for your senior loved ones or for yourself.

Ask around for Referrals

You can start by asking friends, family, and neighbors if they can recommend a particular community for you. It’s also a great chance to ask for advice when choosing one. If asking around feels like too much of a chore, go online and search for local retirement communities.

Think about Independent Living

If a senior person has a good sense of independence, an independent living community must be considered. Assisted living communities in Ogden, for instance, provide residents with private apartment, along with third-party services to assist the seniors. This option is best for those who can attend to their daily house chores such as cooking as well as driving their own car, but might need assistance in other heavy activities.

Know the costs

It’s also important that you know the costs and modes of payment of your chosen type of community to retire in. For instance, when choosing a continuing care retirement community (CCRC), prepare to shell out a considerable amount. This option requires upfront entrance fees. When working on a smaller budget, you can find rental communities with lower monthly fee.

Consider your lifestyle

Lastly, keep in mind that an ideal retirement community should suit its resident’s unique lifestyle needs. Know the features, facilities, and added services of the community. Some senior living communities provide programs and classes for the social needs of the residents, while others have sports and fitness facilities.

With the right choice of community, you can ensure a peaceful and meaningful retirement either for your loved ones or yourself. Remember these tips to successfully find the ideal senior community.

Water Purifiers for Labs – Why They are Essential

Water PurifierWater is an essential element required for many applications even in a lab – for cooling, in experiments, drinking and so on. Especially when it is used for cultures, it has to be very pure so that there are no contaminants or germs which could alter the course or outcome of an experiment.

Whether it is to develop new drugs or to discover the course of a disease, purified water is an absolute requirement during the process of cell culturing. It is also used as a buffer and medium for dissolution of drugs etc. Compounds and micro-organisms present in normal water create havoc, hence the need for water purifiers in a lab setting.

Importance in cell cultures

Purified water is really important for successful cultures and also to clean up equipment like clarifier drivers. All of the equipment used in labs is very sensitive; many experiments are conducted in controlled conditions. Lack of purified water could mean the following things:

  • Bacterial growth which is detrimental to cultures and resulting in toxic byproducts
  • Endotoxins caused by bacteria which affect cell growth, their function and production of unwanted proteins
  • Organic compounds which become a source of nutrients and encourage unwanted side effects
  • Ion contaminants should also be low to avoid cytotoxic reactions

Not just for medical and drug related research, pure and distilled water is required by the electronics industry.

There are many companies which offer water purification systems and peripherals like carbon filters which make it possible for labs, clinics and other sectors to function effectively. One other task that these companies have to undertake is the safe disposal of contaminated water and the byproducts of many experiments.

Purification systems are available for different grades of water quality and production ranges of 1 liter to 1000 liters based on needs. These units are very cost effective to operate.

AC Maintenance: Saving Big with Servicing

Air conditioning Maintenance in AustraliaAir conditioning units have made living more comfortable even in the hottest places around the world. It’s probably one of the best inventions so far that many are thankful for.

Air conditioners for commercial use are far different from the ones in residential areas. They have to cool larger spaces and take into account the office equipment and the number of people in the establishment.

No matter the purpose, though, allairservices.com.au and other HVAC experts say that maintenance is the key to keep your units functioning properly and avoid premature replacement. Here’s how you can save big with servicing:

Maintenance Checklist

Experts suggest that inspection, servicing, and cleaning should take place at least once a year — usually in spring. This is to make sure that your AC is still at its peak efficiency, specially before summer arrives.

As the HVAC system starts to work, it sucks in dirt and dust which affect efficient functioning. Cleaning the coils and duct work and replacing filters every month are among some ways to do it. If not checked regularly, air conditioning systems lose about five to 10% of operational efficiency every year.

Hiring Professionals

When hiring a residential or commercial air conditioner servicing company, they should specialize in different brands. In addition, their services should have reasonable prices and that there should be maintenance and service contracts. For a set fee, they should have the expertise to clean and tune up your unit and replace its filters.

These professionals can help you save money on energy bills. A well maintained unit, regardless of its age, can function well and provide the same cooling as a brand new unit.  Replacing air conditioning units cost money, so schedule regular inspections to know if the motors, blowers, coils, drain lines, pressure, temperature, supply and return lines, and refrigerant levels are working well.

With proper maintenance and care, your air conditioning unit can last up to 15 years or even more. All you need is to take responsibility and hire the necessary services.

Strategies that Can Increase Your Company’s Customer Count

Promoting Your Company It is cause for concern when there is not enough traffic going to your store despite being a well-known commercial establishment in Brisbane. Several factors can affect the number of people visiting and purchasing from your company. Check these simple but effective ways to improve your company’s reputation and promotional capabilities.

The Social Circuit

With everything easily accessible, you don’t really need to be a professional marketer to promote your business. With your very own network of friends, family and acquaintances, spread the word about your products using a single post or creating a blog specifically for promotions.

Do not worry about the design. There are simple page templates you can use. If you don’t like mixing personal life with work, create separate email and social media accounts for your business. This would also make it easier to print business details onto a calling card to give to prospective clients and partners.

The Paper Trail

Despite the digital age, do not limit your efforts to online promotions. Your campaign should include offline marketing tactics such as having billboards or signage, handing out flyers and even updating your business card.

There are people out there who are not technologically savvy or are trying to cut down on their time online. Make your business stand out as you figuratively talk to clients even when they’re not online. According to McGees, commercial properties in Brisbane are often located in areas with heavy foot traffic. Use that to your advantage by positioning your signage where people can notice them easily.

The Marketer

People will always look for other people to relate to. Getting promoted through a reputable marketing and promotions company is another good way to get the crowd to notice you. These professionals have a vast network who can reach out to your target audience.

This may be the most expensive of your possible investments, but if you end up with the right company to create your promotional program, then you are assured of increased inquiries and customers.

Successful people work hard to ensure that their business offers top-notch quality. However, they also need to be smart to know the pulse of the people they want to sell to. Having the right means and medium to make your brand, company, products and services stand out will always be worth the energy, time and price you pay.

Fun and Practical Decorating Tips for Your Upcoming Backyard Party

Backyard PartyThrowing a party shouldn’t mean breaking the bank just because of costly venue rentals. You can always use your vacant backyard to save on costs. Whether it’s a small birthday party, a reunion with your high school buddies or a family gathering, your backyard can serve as a practical and perfect venue for any affair.

Nonetheless, this option comes with one challenge: turning the yard into a party place. This shouldn’t be a problem if you have a knack for decorating and an idea for a great party. Whether you’re new to event design or you’ve already done something like this, the following decorating ideas can be helpful for your upcoming backyard party:

Let there be light

If it’s an evening party, lighting is something you shouldn’t forget. To perk up the venue, you can hang strings with different colored bulbs. Lanterns made from tin cans are also a good decorative idea. If you don’t have time to do such crafts for your party preparations, you will never go wrong with Christmas series. Hang it on the fence or tree branches for an extra flare.

Pitch a tent

There’s something about the outdoors that lifts up mood, especially when you can see the clear blue sky or the stars dotting the night sky. It pays to consider the weather, as it could ruin the perfect day for celebration. A sudden drizzle or strong winds can destroy everything you’ve prepared.

The safest way to anticipate such events is by pitching a tent that will serve as a barrier from these elements. You can find several companies offering tent rental. Duluth, MN has many party rental companies offering these services.

Create a photo booth

A photo booth will surely make an instant attraction during the party. You don’t have to rent an expensive service for this, though. You can actually improvise one. All you need to do is hang a big picture frame on a tree branch and you have a photo booth to remember.

It’s not hard to decorate your yard for an upcoming party. The key is to know the essentials and use your creativity.

Accessory After the Fact: Definition and Defenses

Accessory After the FactA person becomes an accessory after the fact if, after a felony has been committed, they conceal, harbor, or aid a principal in committing the felony with the intent of helping the principal avoid or escape from arrest, trial or conviction. If your friend committed a crime and you sheltered them to help your friend avoid arrest, you are likely to face charges as being an accessory after the fact.

Consult with an experienced criminal defense attorney in Jacksonville, IL for a better understanding of the lines you have crossed, as the statutes may have slight variations per state. There are several defenses your attorney can assert on your behalf to fight a charge of accessory after the fact. Here are the most common ones:

You Had No Knowledge of the Felony

One of the key elements the prosecutor has to prove is that you knew the principal committed the felony or was convicted of it. To illustrate, if you picked up a hitchhiker alongside the road to drive him to a certain point without knowing the person committed a felony, you cannot be convicted of accessory after the fact.

You Had No Intent

Another element the prosecutor must prove is that you concealed, harbored or aided the principal with the intent of helping them escape punishment. Following the same illustration, when you picked up the hitchhiker and when you drove them to somewhere without knowing they committed a felony, it follows you did not help him with the intent that he escape arrest. You cannot be charged as an accessory.

You Were a Bystander

Finally, if you were merely a bystander or by circumstance, at the scene of the crime, you could not be charged as an accessory. Consider this: if you were at the scene of the crime when a person you didn’t know shot and killed someone, you are not an accessory after the fact. However, if the police asked you about the incident and you misinformed them, you will have violated the accessory statute.

The penalty for conviction as an accessory is naturally less severe than the principal the accessory has aided. To learn more about the penalty and punishment, consult with an attorney you trust.

Fires in Salt Lake City and What to Do About Them

MatchSalt Lake City might be one of the places in Utah that don’t get hit by a lot of natural disasters, but that doesn’t exactly mean that the city doesn’t experience them at all. The most recent statistics on natural disasters display a low number of incidents, but the numbers are enough to show what happens most frequently – and fires are one of the most common disasters that people in the city are most wary of.

Be Very Careful

The most common causes of fires in Salt Lake City can be traced to carelessness regarding flammable objects in homes and offices. Most of the fires that start at homes are often caused by stoves left unattended, or faulty electrical connections. One large fire early this year was caused by oil-soaked towels that caught fire.

These fires may have been caused by honest mistakes, but these could have been easily avoided. You need to make sure that you and your household avoids fire as much as possible by making sure that flammable objects are kept at a safe distance away from things that could set them on fire. Turn off stoves when no one’s home, don’t plug in too many appliances into one electrical socket, keep matches, lighters, and flammable fluids in a secure place, and make sure that there are no gas leaks anywhere in your house.

In Case of Fire

In the unlikely event that you experience a fire, make sure that you respond quickly.  Call the closest fire department in your area, and try to extinguish the fire as much as you can. Once the fires are out and everything is mostly intact, you’ll want to make sure that you get the necessary repairs and restorations done to your house. You need to get professional help when restoring your home from fire damage, because it requires a lot of extensive work that might go beyond your do-it-yourself capacity.

Rest assured, if you get professional help, your house will be restored as if the fire never happened, and it can even be improved to make it more fire-proof.