Browsing articles from "September, 2014"
Sep 13, 2014
Julia

Keeping Your Head Above Debt

If you are drowning in debt, you are surely not alone. The Great Recession triggered a tsunami of financial problems for the American consumer. And, while big business has been the recipient of tax loopholes, government bailouts, and other forms of largesse, ordinary people have not been so lucky. But surrounding the facts about consumer debt is something that most people are reluctant to discuss: the feelings they have about being over their heads in debt. Unfortunately, debt collectors often prey on these feelings to attempt to put the squeeze on consumers.

From the ordinary person’s viewpoint, being in debt can lead to feelings of shame, frustration, and even desperation. No one plans on getting behind in his or her payments. Sometimes, life just happens. People get sick and run up medical bills, people lose their work and have to survive on unemployment, or the car breaks down and people are saddled with unexpected repair expenses. While we may not have been saving as much as we should, and we may have charged more or bought more than we should, the financial industry is an accomplice. In the run-up to the economic crash in 2008, financial institutions were extending massive amounts of credit to people who really could not afford it, whether in the shape of loans, mortgages, or credit cards. When it came time to pay, the economy had crashed and there was simply no jobs, no money, and no light towards the end of the tunnel.

The interest rates on the debt consolidation loansare reduced and less. This is biggest benefit of getting consolidation loans. It can allow you to save more money and to fulfill your requirements easily. From credit card debt management, you can merge all your bills in one single payment per month. This can improve your credit history and makes your credit score goes higher. Also other benefits like long time period to repay and the flexible terms are the reasons people are turning towards these management projects for the consolidation of their credit card debts.

If your credit card debt consolidating company asks for collateral, you need to be very careful because if you do not act wisely, you can lose your home or your car. The companies may offer you loans on zero interest rate and offer you more terms which are highly alluring. Make sure that the level isn’t offered for a short space of time because if it going on with you, you’ll definitely lose your asset. Mostly these zero interest loans are provided for six months which isn’t affordable by a common person. But debtors do not read the conditions and just by looking at zero interest rate, they take the loans and then lose their assets.

It’s understandable that this group of circumstances could give rise to frustration. But being in debt is not shameful, and those who owe money should not allow themselves to become victimized by the seedy underbelly of the financial industry, namely the debt collection industry. The position of many in the debt collection industry is that consumers who’re behind on their bills are deadbeats, and that they will go to any lengths necessary to collect every dollar.

Because money is so tight, an growing number of debt collection agencies are skirting the law-or broken the law-and using unsavory debt collection tactics. They count on the fact that the majority people feel shame or embarrassment about their debt, and leverage that to threaten or shame people into making payments that they cannot afford.

If you are being hounded by a debt collector, it is important that you know your rights guaranteed by the federal Fair Debt Collection Practices Act (FDCPA). You may owe money. However, you are likewise entitled to retain your dignity and respect. According to the FDCPA, debt collection agencies aren’t allowed to threaten you, to call you late at night or early in the morning, to misrepresent who they are, or to otherwise trick you into paying a bill.

There are a million and one horror stories of debt collection agencies that use illegal practices in order to gather money from unsuspecting consumers. These debt collectors pass judgment on those they harass, and believe that the end justifies the means. The bottom line is that it’s up to you to hold debt collectors accountable for their actions. The FDCPA includes provisions for consumers to sue debt collectors in federal court, and to receive up to $1, 000 plus attorney fees when a debt collection agency crosses the line.

Sep 6, 2014
Julia

Air Pollution – Some Interesting Facts

Air Pollution does not only happen outside, if we are not careful enough, it can also occur indoors such as in your office or own house. A few examples of indoor air pollutants include, but aren’t limited to: tobacco smoke, pesticides, pollen, lead, asbestos, and carbon monoxide. Indoor air pollution can be bring about’ Sick Building Syndrome’ an event where several people get sick or affected with no specific caused specified.

When any discomfort related to air quality is felt by people living in the building, it can easily be remedied by eliminating the source of pollution from the area. Though, if exposed to certain chemicals for an extended period of time, it may cause serious diseases that may go undetected for months or years, such as some types of cancer and respiratory diseases. Keeping your indoor air quality in check can help prevent such diseases from occurring, to do this make sure to remove any potential air pollutants you have in your home.

The Air Pollution Discussion Continues…

The more closed a domestic environment is, the more the air is contaminated with major pollutants (acids, metals, gases, soil or dust particles), and organic chemicals; it must be purified in a coherent manner. Otherwise, the air is stagnant, full of moisture and became a factor contributing to new biological, chemical and organic pollutants. These pollutants can cause respiratory and inflammatory diseases-rhinitis, allergies, asthma, infertility, cardiovascular disease, diabetes, kidney disease, and certain systemic diseases (diseases that affect a number of bodies and tissues, or affect the body as a whole).

All of us are vulnerable to risks concerning our health as we face our life everyday. Driving cars, engaging in recreational activities, a journey to the park are all examples of being exposed to environmental pollutants that pose a threat to every individual’s health. There are just those risks that we face without knowing. These are risks we face in order that we do not inhibit our important daily routines in life. There are also risks that we wish to avoid, but do not have the choice to do so. Fortunately, indoor air pollution is a health risk that you will be able easily avoid. To do avoid air pollution it is preferable to use a water based air purifier in your home, using a MERV-13 Air Conditioner Filter to easily filter insecticide dust and bacteria, while changing your household cleaning supplies to natural cleaning supplies instead of artificially made products using chemicals.

Really?

Gas-releasing sources are major causes of indoor air pollution in most homes. Adequate ventilation is required to keep indoor air pollution at a minimum, by having access to outdoor air the pollutants inside your home can easily be carried outside thus reducing it to a low level. Higher concentrations of pollutants in the home may likewise be caused by high temperatures and humidity inside the home.

Prevention is always better than cure, so to save up on money that most practical thing we gotta do is to eliminate the source of indoor pollution inside your residence. Some sources need to be set to minimize production of pollutants, while other sources need to be sealed off such those that contain asbestos. Generally, the most effective and cost-efficient way to make your home a better world to live in is to remove the source of pollution rather than increasing ventilation sources. A water based air purifier will be great for making your air clean.

Sep 4, 2014
Julia

Dredge – Profiled

Underwater excavation is called dredging. The periodic dredging that must be made to keep it clear and safe for navigation is called maintenance dredging after the initial excavation needed to create a channel. Once sediments are dredged from the waterway, they’re called dredged material.

People have been dredging channels in one form or another since primitive people began to irrigate crops. Until the early 1900s, dredges were crude and barely effective in keeping channels and harbors clean. Keeping the dredge in post in the channel, knowing how deep a channel was being dug, and even making accurate surveys of the completed channel, were a mixture of art and science. Experienced dredge captains and hydrographic surveyors (surveyors of the underwater topography) were in a position to produce remarkably good results, given the challenge of their job.

The Continuing Dredge Discussion

Quality dredging equipment is recognized for its efficiency, dependability and high production rates and the Cutterhead Dredge For sale are also carried out with the same condition of the art technological features. Reputable dredging equipment manufactures customize a wide variety of optional extras to match your dredging needs. They built it from their stock and carry out the custom built dredgers in a relatively short time span. You can even get your very own dredge parts especially designed to fit in with your dredgers and carry out large scale reclamation projects. Environmental dredging and rock dredging you can use the Cutterhead Dredge For sale as they’re also of quality, even for your typical dredging jobs like sand and gravel. You can even buy self propelled dredgers that are quiet functional in major reclamation projects and construction throughout the world. The advance dredge parts integrated in the Cutterhead Dredge For sale delivers a range of benefits like higher productivity and low operational cost as well as offering optimum efficiency and minimal downtime. Each and every dredge parts contribute to the effectiveness and the profitability of your dredging works.

You can fit in different shapes and designs of cutterheads on your dredging equipment like the pick toothpick and the serrated cutterhead design. The side wire blocks are the cutter head dredge parts that are intended to meet the rugged environment. And its block is made of balanced which pivots to align to the orientation of the side wire. Grease lubricated bronze brushes are used to pivot the blocks. The suction head is another dredge part that is offered in different sizes. The soil is loosened by jet water which is injected through nozzles and steel grid preventing other debris from being dredged up. All the components and dredge parts of your quality dredgers are made of high quality steel.

There are numerous types of dredges and methods for the removal of unwanted material within a waterway. Most recently the rise of the long stick excavator has allowed for mechanical removal. Numerous inexperienced individuals have entered into this line of work and unfortunately aren’t doing a very good job. It takes an exceptional operator to perform work that cannot be seen and most people attempting these projects are inexperienced at best.

While the onboard instrumentation of modern dredges is computer assisted, the basic excavation methods of dredges have remained the same since the end of the 1800s. The three main types of dredges are mechanical dredges, airlift dredges, and hydraulic dredges.

Mechanical Dredges-Mechanical dredges remove material by scooping it from the bottom and then placing it onto a waiting barge or into a disposal area. The two most common types of mechanical dredges are dipper dredges and clamshell dredges. They are names for the kind of scooping buckets they employ.

Mechanical dredges are rugged and can work in tightly confined areas. The dredge is placed on a large barge and isn’t usually self powered, but is towed to the dredged site and secured in place by anchors or anchor piling, called spuds. They are often used in harbors, around docks and piers, and in relatively protected channels, but aren’t suited for areas of high traffic or rough seas. Usually two or more disposal barges, called dump scows, are used in combination with the mechanical dredge. While one barge is being filled, another is being towed to the disposal site. Using numerous barges, work can proceed continuously, only interrupted by changing dump scows or moving the dredge. This makes mechanical dredges particularly well suited for dredging projects where the disposal site is many miles away.

Mechanical dredges work best in consolidated, or hard-packed, materials and can serve to clear rocks and dust. Dredging buckets have difficulty retaining loose, fine material. This can be washed from the bucket as it is raised. Special buckets have been designed for controlling the movement of water and material from buckets and are used when dredging contaminated sediments.

Hydraulic Dredges-Hydraulic dredges work by sucking a mixture of dredged material and water from the channel bottom. The amount of water sucked up with the equipment is controlled to make the best mixture. Too little water and the dredge will bog down; too much water and the dredge won’t be efficient in moving sediment. Pipeline and hopper dredges are the two main types of hydraulic dredges.

A pipeline dredge sucks dredged material through one end, the intake pipe, and then pushes it out the discharge pipeline directly into the disposal site. Because pipeline dredges pump directly to the disposal site, they operate continuously and can be quite cost efficient. Most pipeline dredges have a cutterhead on the suction end. A cutterhead is a mechanical device that has rotating blades or teeth to break up or loosen the bottom material in order that it can be sucked through the dredge. Some cutterheads are rugged enough to break up rock for removal. Pipeline dredges are mounted (fastened) to barges and aren’t usually self-powered, but are towed to the dredging site and secured in place by special anchor piling, called spuds.

Cutterhead pipeline dredges work best in large areas with deep shoals, where the cutterhead is buried in the bottom. Water pumped with the dredged material must be included in the disposal site until the solids settle out. It is then discharged, usually back into the waterway. This method of dredging isn’t suitable in areas where sediments are contaminated with chemicals that would dissolve in the dredging water and be spread in the environment during discharge.

Because the discharge line for pipeline dredges is usually floated on upper part of the water, they’re not suited to work in rough seas where lines can be broken apart or in high traffic areas where the discharge pipeline can be an obstruction to navigation. If there’s a lot of debris in the dredging site, the pumps can clog and impair efficiency.

Hopper dredges are ships with large hoppers, or containment areas, inside. Fitted with powerful pumps, the dredge suctions dredged material from the channel bottom through long intake pipes, called drag arms, and stores it in the hoppers. The water part of the slurry is drained from the documents and is discharged from the vessel during operations. When the hoppers are full, dredging stops and the ship travels to an in-water disposal site, where the dredged material is discharged through the bottom of the ship.

Hopper dredges are well-suited to dredging heavy sands. They can maintain operations in relatively rough seas and because they’re mobile, they can be employed in high traffic areas. They are often used at ocean entrances. However, cannot be used in confined or shallow areas. Hopper dredges can move quickly to disposal sites on their own power, but since the dredging stops during the transit to and from the disposal area, the operation loses efficiency if the haul distance is far.

There are special hydraulic dredges called side-casters and dustpan dredges. Both of these dredges are employed to remove loosely compacted, coarse-grained material and place it in areas near to the navigation channel. They aren’t widely used. The dustpan dredges were specifically developed for jobs on the Mississippi River. Side casting of dredged material, done mainly on some smaller projects, is likewise limited to certain situations and environments.

Airlift Dredges-Airlift dredges are special use dredges that raise material from the bottom of the waterway by hydrostatic pressure. They have cylinders that operate like pistons. Material is drawn through the bottom of the cylinder. When it is full, the intake valve closes, trapping the material. Then, compressed air forces the material out through a discharge line to a waiting dump scow or directly to a disposal site. Airlift dredges bring dredged material to the surface with a relatively small number of water. This is good when environmental contamination is an issue.

You can even buy separate 14′ Cutterhead dredge for sale that works with a rotating cutterhead. This helps to loosen solid particles reducing the extent of the material in order that it is passable through the dredge pump. This help in preventing the oversize material from entering the suction pipe. The cutter head helps move the material from one place to the other and enables the material to become suspended. The cutter head system is the more popular in the dredging industry, and is a major part of dredging in the time with whom we live. Custom Dredge Works Inc has 14′ Cutterhead dredge for sale which is available for immediate delivery. We offer many types of dredges. We can build one specifically for your project. Because of such useful dredging advantages the Cutterhead dredge is best for people who excavate different types for materials allowing the dredger to pump material through its pipeline.

Airlift pumps haven’t been widely used in the United States. They don’t typically achieve high production rates, but are well-suited for projects where either site conditions or sediment quality concerns make other dredges inappropriate. They can be used in tight quarters around docks and piers, in rough seas, and in deep water.

Disposal site selection for dredged material is one of the key and challenging parts of planning a dredging project. The most common dredged material disposal methods are ocean placement, confined disposal facilities (CDFs), flow-lane and within-banks placement, capped disposal, and beach nourishment.

Ocean Placement-Ocean Dredged Material Disposal Sites (ODMDS) are primarily used for material coming from coastal entrance bars, inlets, or main coastal navigation waterways. Typically, in ocean placement, a hopper dredge or towed barge sails to a designated area in the ocean, where the hull (bottom) of the ship is opened. The dredged sediments drift to the bottom. Only clean dredged material may go to ocean sites.

There are over 100 Corps and EPA designated ODMDS around the shores of the continental United States. About 60 million cubic yards of dredged material is taken to these sites each year, on average. The Corps has developed computer simulation models to help predict the effects of ocean disposal. These are used by project planners in the site selection and project planning processes.

Beach Nourishment-Beach nourishment is the placement of dredged material on or near the beach, usually to replenish an eroding beach or protect an eroding wetland. The dredged material is generally sand coming from coastal entrance bars, inlets, or main offshore waterways. Both hopper dredges and pipeline dredges can use beach nourishment sites. When hopper dredges place sand offshore along the beach, natural processes carry it onto the beach over a long period of time. Only clean dredged material can be utilized for beach nourishment. This method of dredged material disposal is considered a beneficial use of dredged sands. It is used in coastal areas all around the country.

Confined Disposal Facilities (CDFs)-In Confined Disposal Facilities (CDFs), dredged material is placed behind dikes. These contain and isolate it from the surrounding environment. There are three types of CDFs: Upland, Shoreline, and Island. A mixture of dredged material and water is pumped into an area that is split into several smaller areas, called cells. As the water moves between the cells, it slows, the dredged material settles out, and finally, clean water is discharged from the site. The difference in the three types of CDFs is their location. Upland CDFs are on land, above the line of high water and out of wetland areas. Shoreline CDFs are constructed over the sea or lake bottom and connected to the shoreline on at least 1 side. Island CDFs are constructed offshore, but in relatively shallow water.

CDFs can be used for any kind of dredged material, coarse or fine-grained. Usually, pipeline dredges pump material directly from the dredging site into the CDF. This is the least expensive way to bring the material in the site. In special cases, where the CDF is far withdrawn from the dredging site or a pipeline dredge isn’t utilized for the dredging, barges or hopper dredges may take dredged material to the site where it is re-pumped into the CDF.

Preparing and caring for a CDF requires a substantial commitment of time and money by local and Federal governmental agencies. Sometimes a CDF can be designed so that it is unable to be other uses for the field during and following the site is used for dredged material disposal. Island CDFs in Mobile Bay provide nesting habitat for waterfowl, for example. Upland CDFs along the Columbia River in Oregon and Washington are mined for construction fill. In the Great Lakes, shoreline CDFs have been used to contain and isolate contaminated sediments from the environment.

Flow-lane and Within-banks Placement-Some waterways are in high-energy river systems with rapidly flowing water and strong currents. The energy of the water causes shoals made of coarse sand to form, move along the bottom, and re-form relatively quickly. In these systems, flow-lane or within-banks disposal may be used.

Dredged material is placed in or along the river this too is subjected to the river’s erosion, for both methods. They are filled temporarily, until the energy of the river moves the sand out again. With-in banks disposal refers to the temporary use of eroding banks, the river thalweg, man, or sandbars-made islands. It is common on the Mississippi River. Pipeline and dustpan dredges use this disposal option.

Flow-lane disposal of dredged material relates to the placement of materials in water within or close to the navigation channel. It is similar to the ‘thalweg’ disposal on the Mississippi River. (The thalweg of a river is the area where the water has its greatest velocity.) Flow-lane disposal is widely used in the Columbia River by both hopper and pipeline dredges.

Capped Disposal-Sometimes, but not often, dredged material is contaminated with chemicals, metals, or other substances. If the contamination is bad enough, it might be detrimental to the environment to bring the material in a typical in-water site or a typical CDF. In these cases special handling will be utilized to prevent the contaminants from re-entering the environment during dredging and disposal.

The objective of capped in-water disposal is to isolate contaminated material from the environment by capping, or covering, the contaminated material with clean material  usually sand. The contaminated dredged material is put on a level bottom or in deep pits or bottom depressions. Then clean material is dropped on top. The cap is designed and carefully put over the contaminated sediment to ensure that it stays in place. Caps are designed so that waves, currents, or the burrowing bottom creatures won’t erode the protective layer over time. In addition, the caps are continually monitored to search for signs of failure.

Capped disposal for the isolation of contaminated sediment is practiced worldwide. In the United States, capped disposal sites have been utilized successfully in various places: Long Island Sound, in New Bedford, Massachusetts; Puget Sound in Washington state; the New York Byte; and other locations.