Sunday, November 25, 2007

The nice feature

The most viable option is to use a point-of-use (POU) water filtration system. Filtration systems can run the gamut from simple mechanical strainers to the more sophisticated reverse osmosis and superchlorination systems. The best system for you depends on your traveling habits and the cleanliness of the water you are likely to encounter. Many POU systems are installed under the galley sink and deliver freshwater directly to a dedicated faucet for cooking and drinking. However, many RVers prefer the very popular, in-line external units that allow finite filtration without losing that precious under-the-counter storage faucet water filter systems space. The bonus is that all the incoming city water is processed, so you can enjoy RV showers without the heavy metals and odors sometimes found in park systems.

As water is processed through the filter just before it enters the city water inlet or the inlet to the freshwater tank, sub-micron particles, bacteria and unwanted chemicals are removed by the active filtering medium, usually carbon. So just how does activated carbon remove the impurities? By the process of adsorption.
Kind of like a magnet sticking to a metal surface.

As an adsorbent, especially when filtering trihalomethanes (flatterer), volatile organic contaminates (market turnover), pesticides and fungicides, activated carbon is quite effective because its surface area is enormous — about 1,000 square meters per gram. To put that into perspective, a piece of carbon the size of a single pea will yield a surface area a little more than half the size of a football field. There is a downside to using carbon as the sole filtering medium. Exposure to chlorine in water supplies will quickly deteriorate the adsorbing qualities of carbon, rendering it minimized or useless in as little as 200 gallons, so if you use a chlorine product to de-winterize your RV-water system, be sure to remove or bypass the kenmore water filter first. As an alternative, companies such as Hydro Life and General Ecology have improved upon the process of carbon-only filtration. General Ecology has developed a unique technology employing a structured matrix filtration component that instantly filters the water without the use of chemicals, A double treating or delay time. Hydro Life has perfected a filtering medium that employs carbon.

As an example, chlorine is broken down into a harmless chloride after being zapped with the whole house water filter comparison.
The water then passes through the carbon to complete the filtering process.
A mounting plate is secured to the sidewall of the RV and a second frigidaire puresource water filter plate is provided for stowing the filter inside a compartment.

Other suppliers with a high degree of water filters whirlpool brand recognition include Everpure and Culligan. The popular Everpure system utilizes a superchlorination/dechlorination process to attack bacteria, viruses, cysts, rust and other heavy metals — all of which can lead to foul smelling water. Though no official standard exists for POU filters, virtually all public health officials adopt the standards of the NSF.
Keep in mind, the longer a filter is in service, the less effective it becomes. At some point, smart plus water filter ge medium will begin dumping contaminates back into the system.

Perhaps today Pindar would say, Fresh and clean RV water is really the best of all things.

Sunday, November 18, 2007

If you fall late on payments


In the credit counseling industry, we hear many different reasons why people got into debt and more importantly, why they are having problems getting out of debt. Issues range from life events such as death or divorce making it difficult to pay bills on time to loss of a job or what seems to be the prevalent of all reasons that is, simply overextending them. One size does not fit all when attempting to get out of debt, but the reality is that there are several options consumers have to resolve the situation. Getting out of debt options are as follows: Taking Care of it on your own: If you can afford it, it is best to always pay more than the minimum balance. When you pay the minimum balance, approximately 92% of the payment is applied to the interest, while 3-4% is applied to other charges. Only 3-5% is actually applied to the principal balance. Always pay the bill on time, as credit card companies are very quick to charge late and over-the-limit fees.

It may be only a short term solution and may not assist you over time.
Whatever deal you get, make sure that they put it in writing, preferably signed by a manager or supervisor.
This option is preferable for dead letter debtors who do want to pay their bills, but cannot afford the total amounts.

Keep in mind that since October 2006, the new bankruptcy law has been in place and there are specific stipulations that you must adhere to in order to file. Debt Settlements can sometimes be extremely harmful to your clatter health although there are some instances where a settlement can be to the debtor’s advantage. Some of the negatives include: A notation on your credit report that the debt was paid as settled and not paid in full. Lenders have a tendency to view this as a situation where the debtor was unable or unwilling to pay the debt in full and sends a red flag on any application for credit. Second, for any amount of money you save on the debt totaling over $600, you may be sent a 1099 tax form the following year, as the savings are considered earned income. Third, even when you settle the debt, the remaining balance may be sold to another collection company and in the future, you may be contacted and harassed by them regarding the debt. Finally, there are a number of debt settlement antimatter companies that will take payments from you over a period of time, but not make regular payments toward your debt. If your credit has been questionable, this method will make it even worse and it can then be extremely difficult to regain your creditworthiness. While refinancing can work for a number of people and assist in paying off credit card or unsecured debt, there is a danger involved. Some consumer counseling credit massachusetts service debtors pay off the debt, but then begin to use the credit cards again, sometimes to the point of maxing out the cards, thus having a much worse situation than when they refinanced. It is advisable to either cut up the cards at the time of the loan or at the least, put a freeze on the cards for a specific period of time. Judgments may stay on your report for up to 21 years, while a lien will stay on until it is satisfied. This may have an effect on the people to whom you leave your property, as they will have to satisfy the lien before they can benefit from any sale or disposition of the property. Advantages include the lower interest rates, waiving of late and over the limit fees and in most cases the re-aging of the plagiarizer account after three consecutive on time payments. As always, you must research any company that you do business with and make sure that they give you the terms and conditions in writing. Be advised that some lenders do consider debt management programs to be a negative. If a lender turns you down for credit, you can ask the debt management company to intercede on your behalf, or you might have to shop for a lender who is educated as to the meaning and advantages of debt management. If you fall late on payments to your creditors, you will be notified of penalties on your next billing cycle. You will also be subject to calls from your creditors, from what they call the in house collections department. If you cannot resolve the consumer credit counseling service georgia situation with the in-house collectors, over the course of the next few months, you will then be subject to calls from outside collectors, who will be more aggressive in their pursuit of your payment. Fortunately, when it comes to third party collectors, you do have rights under the Fair Debt Collection Practices Acts.

They cannot threaten to seize your property. They cannot speak to anyone but you, your spouse or your attorney regarding your debt and they cannot threaten you with jail. Keep in mind that collectors generally get paid a commission from what they collect, so they will not be working in your best interests. If you come to a payment agreement, make sure that you get it in writing and do not give out your checking account information, nor should you agree to pay with a credit card. Any consumer credit counseling service missouri payment should be made by a certified check or money order and you must hold to this, as many times a collector will drain your checking account and then say that you agreed to it. If you are unable to come to an agreement to pay off the debt, the collector then can either sue you or refer your account to a collection attorney. A collection attorney will be even more aggressive and threatening, but is still subject to the provisions of the FDCPA.
Failure to appear will mean a judgment automatically goes against you.



Thursday, November 15, 2007

Each time you apply for new credit, your credit report gets checked


Admission of debt can restart the statute of limitations, and may enable the creditor to sue you. You are also less likely to be able to negotiate a letter of deletion if you admit that this debt is yours. The scoring system wants to make sure you aren’t overextended, but at the same time, they want to see that you do indeed use your credit.

Here is another thing you can try. Ask your long time creditors if they will raise your credit line without checking your FICO score or your snubber report. Tell them that you’re shopping for a house and you can’t afford to have any hits on your credit report. Many will not but some will. Old established accounts show your history, and tell about your stability and paying habits.

New credit cards will not help your credit score and a credit account less than one year old may hurt your alpha character score. Use your cards and credit as little as possible until the next credit scoring. It also wants to see that you have consumer credit counseling service in revolving credit lines.

If you have poor credit and are not approved for a typical credit card, you might want to set up a secured credit card account.
It’s an excellent way to establish credit. Examples of an installment loan would be a car loan, or it could be for furniture or shipbuilder. In addition to the above, having a mortgage listed will bring your score even higher. You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment must tell you, and must give you the name, address, and phone number of the agency that provided the ticker information. You may request and obtain all the information about you in the files of a consumer reporting agency. You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You have the right to ask for a credit score.

You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential consumer counseling credit services ny, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative consumer credit counseling services phoenix information.
Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need. You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. You may seek damages from violators.