The cooler weather is forcing family and friends to stay indoors. Now is the time to start on those home improvements you have been meaning to complete all summer. You can start by starting small and achieving big results.

You can complete the projects listed below with one tool: The Dremel 75th Anniversary Limited Edition Rotary Tool Kit

Dremel, the name you can trust in high-speed rotary technology, has the following tips for your next project:

* Organize your closets. Closed doors can make mess disappear. You can install shelves to create more storage in your closets. The shelves can be made to fit your exact closet dimensions using coated wire shelving. Measure the closet space and mark it on the shelf. To prevent it from moving, secure the shelf and then use the rotary tool to cut your pieces. Finally, smoothen the new edge with the drum sander accessory and install the shelf.

* Hide exposed wires. Hidden audio and video wires can add class and safety to your home. Mark the centerline on your baseboard as your guide. Use a flex shaft attachment on your rotary tool and a carbide sanding band to sand the area. Continue to grind the baseboard. Clean the band with a wire brush if it clogs. Tape the cords to secure them. To avoid any damage to wiring, drill a nail base just above or below the centerline.

* Remove scratches from household hardware. Use a felt polishing wheel or rotary tool to remove age-revealing scratches from doorknobs and cabinet handles. For best results, polish slowly using gentle pressure.

You can find more tips for cleaning up your home at www.cleanup-your-house.org www.dremel.comOr call Dremel Experts on 1-800-437-3355.

The pace of life today is rapid. People can check their kids’ soccer scores on the phone, while also sending emails to work with the help of digital technology. Consumers can expect the same conveniences and benefits from all businesses, except their insurance companies, thanks to the internet age. Even though 98 per cent of insurance claims are processed within 30 working days, it can be frustrating for those who have difficulty paying their medical bills.

As nearly two-thirds American households earn less than 2002, being insured isn’t enough. It’s vital to understand how fast your insurance carrier pays claims and processes them. This is critical for both financial recovery and physical recovery.

Recent research found that 66% would not be able to adjust to the high financial cost of serious illnesses or injuries. Only 49% of workers have over $1,000 to pay out-of-pocket costs. Additionally, rising healthcare costs have forced employers to take cost-saving measures that are putting employees under greater financial pressure.

* Increasing employees’ health care insurance copayments.

* Increasing employees’ share of premium.

* Implementing high-deductible health plans with health savings accounts.

Some people might have to wait as long as a month to receive their insurance payments. Many insurance companies are able to provide customers with fast service thanks to modern technology and better understanding of their needs. This is one example. AflacIt is almost rare for insurance companies to offer policies that include claims processing, approval, and payment in a single day.

Fast payment policies are no longer luxury items of the past. It is now a necessity. It is more important than ever that you have money available immediately for serious injuries or illnesses. You should ensure that your insurance company can move at your pace.

Aflac’s One Day Pay guarantee can be found on aflac.com/onedaypay.