Junctional melanocytic nevi - usually round, flat and brown. Dermal melanocytic nevi - usually raised, sometimes has hair, skin colored or light brown. Halo nevi - the skin around it has lost its color, so it has a white ring around it, hence the name. When the mole eventually fades away, the skin regains its color.
Not too long ago, I was talking with a salesman who worked for a gutter guard company on the Eastern seaboard. He was astonished that people actually paid the prices he quoted them. When he told me he was routinely getting $20 per linear foot for installed gutter guards, I almost fell out of my chair.
Even using the math in this article, 200 feet at $8 per foot is $1600, which is still a lot of money. If you can't clean the gutters yourself, hire someone. Even at $150 per cleaning every fall (and I pay less than that), it would take more than 10 years to approach the cost of gutter guards. Plus if you plan on moving within the next 10 years, that's even more reason not to invest in them. Just my 2 cents!