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Hannula & Halom Attorneys

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  • From Pederson Garden and Landscaping

    Butterfly Garden

    Although butterflies flit from garden to garden, this is the official site for larval plants and Butterfly Feeders. Our Butterfly Festival, held the third Saturday in July, relies on our gardens to bring together these wonderful friends. Originally designed with the help of Pat Thomas, St Louis County Master Gardener, specializing in butterflies.

  • From Pederson Garden and Landscaping

    Oriental Garden

    Our Oriental Garden is a work in progress. It is a place to visit for a sense of peace..of being a part of nature. Native trees are incorporated as back-drop for the garden so that it will blend naturally with its environment. Designed by Marillyn Persch, St Louis County Master Gardener, specializing in oriental plantings. Marillyn was assisted by Mae Anderson and Jan LeBard.

  • From Reliable Insurance Agency

    Who decides how much my property is worth?

    The common methods are:

    • Actual Cash Value: The replacement cost of the item minus depreciation. For example, a new television set may cost $500. If your seven -year-old TV gets dam-aged in a fire, it might have depreciated 50 percent. Therefore, you would be paid $250 for that TV.
    • Replacement Coverage: The cost of replacing an item without deducting for depreciation. So today's cost for a TV set with features similar to the 7-year-old one damaged by fire would determine the amount of compensation. If it still costs $500 today, that would be the replacement coverage.
    • Functional Replacement Cost: The cost of replacing or repairing an item with the most modern materials instead of the materials used in the original construction. Most commonly used in valuation of older homes remaining in their original construction. For instance, if the interior of a home was finished with plaster when it was originally constructed, then functional replacement cost would use drywall costs to determine the value placed on replacing the home.

  • From Aire Serv of Northeastern Minnesota

    Split System Air Conditioners

    Usually a unit sits outside - this is referred to as a condenser. The condenser has wires and copper tubes that lead inside. An air conditioning evaporator coil is located over, under or beside the indoor unit. The unit style gets the name "Split System" from the fact that the unit is split into an indoor and outdoor section.

    The air conditioning condenser (outdoor portion) will normally be located on the ground beside the house or on the roof. The indoor unit and coil (air handler, furnace or heater) is usually located in a basement, crawl space, closet or attic and is connected to a duct system that circulates the air through the home.

  • From Kari Toyota

    What are the effects of ethanol or E85 fuel?

    Flex fuel vehicles are vehicles that run on gasoline or E85, a fuel that contains up to 15 percent of ethanol. While Fuel economy will be substantially lower for any vehicle that uses E85 due to its lower energy, flex fuels make a difference at the pump by costing roughly 50 cents less per gallon. Vehicles that are designed for flex fuel, will have no difficulty switching back and forth between fuels. There are no issues with mixing E85 with unleaded gasoline in any ratio. The ECU senses the E85/unleaded gasoline ratio and adjusts engine performance accordingly.