More Than Just A Berry Good Idea

If you hope to maintain robust health as you age and avoid cancer, heart disease, and many other ailments, you need to start thinking about what you put into your body everyday. If your diet consists of mostly sugary and refined, processed foods, you will surely expedite your body’s aging process. However, if your diet is always abundant in polyphenols, you will look better, have more energy, and hopefully, be free of the common chronic illnesses that affect so many in the developed world.

Polyphenols are a large family of natural compounds found in plant foods, especially berries, apples, cocoa, tea, coffee, and wine. Current evidence strongly supports consuming a diet rich in polyphenols as it contributes to the prevention of cancer, cardiovascular disease, neurodegenerative diseases, and type 2 diabetes.

Anti-aging: Polyphenols are abundant in powerful antioxidants. They have anti-inflammatory effects, and they activate the key enzyme that controls metabolism, increases energy production, and slows down the aging process.

Brain Health: Polyphenols protect nerve cells in the brain against injury induced by toxins, suppress inflammation in the brain, and promote memory, learning, and cognitive function. Studies have demonstrated the role of polyphenols in the prevention and amelioration of Alzheimer’s disease.

Digestive health: Polyphenols are the chemicals that give vegetables and fruits their colors. They also represent the plant’s primary defense mechanism against invading bacteria and other parasites. Studies show that polyphenols change the composition of the gut bacteria, increasing the counts of good bacteria and inhibiting the growth of potentially harmful bacteria.

Heart health: Polyphenols protect cells and body chemicals against damage caused by free radicals (reactive atoms). For example, when low-density lipoprotein (LDL) cholesterol is oxidized, it can become glued to arteries, causing damage and leading to coronary heart disease.

In addition, polyphenols have beneficial effects on the lining of blood vessels by increasing the availability of nitric oxide, which exerts a range of protective effects by controlling elasticity of the blood vessel wall, allowing the heart to contract normally.

Prevent Cancer: Polyphenols slow down the growth and proliferation of cancer cells by cutting off the formation of new blood vessels needed for tumor growth. They also act as antioxidants, reduce DNA damage, and decrease inflammation.

Prevent Diabetes: Polyphenols show benefits in controlling blood sugar spikes after meals and improving insulin sensitivity in people with type 2 diabetes.

High Polyphenol Foods

More than 8,000 polyphenolic compounds have been identified. Among them, flavonoids, phenolic acid, stilbenes, and lignans are several categories of polyphenols that have been widely researched and have significant health benefits. The following are different types of foods with high polyphenol levels.

Fruits

Apples, apricots, berries (all kinds), cherries, citrus fruits (all kinds), currants, dates, grapes, kiwi, mangoes, nectarines, peaches, pears, plums, pomegranates, prunes, quinces, and rhubarb.

Vegetables

Artichokes, broccoli, celery, cherry or grape tomatoes, corn, eggplant, fennel, garlic, kale, kohlrabi, leeks, onions, olives, parsnips, pumpkins, red cabbage, rutabagas, scallions, shallots, spicy peppers, spinach, sweet potatoes, turnip, and watercress.

Legumes, nuts, and seeds

Almonds, black beans, black-eyed peas, cashews, chestnuts, chick peas, English peas, fava beans, flax seeds, green peas, hazelnuts, lentils, pecans, peanuts, pinto beans, pistachios, pumpkin seeds, red kidney beans, snap peas, soy, sesame seeds, sunflower seeds, and walnuts.

Herbs and spices

Basil, capers, caraway, celery seed, cinnamon, cloves, cumin, ginger, lemon verbana, majoram, oregano, parsley, peppermint, rosemary, sage, spearmint, star anise, thyme, and turmeric.

Extra Virgin Olive Oil

Dark chocolate

Red wine and beer

Tea and coffee

Green, black, and oolong teas.

How To Boost Your Intake Of Polyphenol Antioxidants

  • Eat and drink polyphenol-rich foods throughout the day. Blood levels of polyphenols will peak soon after they are consumed, then decrease as they are metabolized or excreted from the body. Some polyphenols will not be absorbed into the bloodstream, but will merely pass through the digestive tract. These polyphenols are still very important as they help to prevent diseases like colon cancer.
  • Eat a variety of richly-hued vegetables and fruits (in particular, berries). To get the most out of your veggies, enjoy them in a variety of ways – raw, steamed, boiled, baked, and grilled. Polyphenols usually survive some light cooking or heating.
  • Cook with herbs and spices. Not only do they enhance flavor, many are also very rich in polyphenols.
  • Tea and coffee are both abundant in polyphenols. The decaffeinated version may lose some polyphenols depending on the method of decaffeination. Avoid the ones that rely on the solvent ethyl acetate to remove the caffeine. The better method uses only water and carbon dioxide. Check the label as the better ones usually explain their decaffeination process.
  • If you drink alcohol, favor red wine and beer over hard liquor as the latter is distilled, so it essentially does not contain any polyphenols. Red wine is a very rich source of the famous polyphenol, resveratrol. Pinot Noir wines from the colder, damper climates in Oregon have the highest concentrations of resveratrol as it protects the grapes from mold in such growing conditions. Beer is usually made from barley and hops which contain a variety of polyphenols. For the highest concentrations, go for the well-hopped bitter beers such as India Pale Ales or dark beers. Non-alcoholic red wine and beer are also a good source of polyphenols as well.
  • Eat your dark chocolate. A small square a day will keep the doctor away. Choose dark, bitter chocolate (over 70% cacao) and make sure it does not contain high fructose corn syrup or hydrogenated oil.
  • Avoid foods that are sources of free radicals because they neutralize or destroy the polyphenol antioxidants. Refrain from eating deep-fried foods, charred meats, and refined, processed foods. Deep fried foods are notorious sources of free radicals because the deep frying oil is being continuously oxidized as it is heated. The fried food is also cooked at very high temperatures, so more free radicals are formed.
  • Relax and make sure you get enough rest and sleep. Your body will use up polyphenol antioxidants faster if you are constantly under stress.

Web Design Trends 2007

There is a permanent change in web design especially in times of web 2.0 with a rapid advancement of technologies and opportunities.

It was fancy, if websites where animated and flashy some years ago. Nowadays webdesign is turning back to the roots. Static, clearly arranged side lie fully in the trend again. This is on the one hand because of the user-supersaturation by animated sides. On the other hand the accessibility and usability of a website becomes more and more important.

The german internet agency TechDivision, located in Rosenheim, supplies state of the art web design since 1997. Thus we concern ourselves also constantly with trends in web design. For the year 2007, we have located some trends, which will be incorporated in our customer projects.

Driven by web 2.0 technologies and the corresponding trend of blogging, the blog optics will become more and more important. Some larger companies already took up this trend. This will continue in the coming year.

Interaction between white or grey surfaces with specific used colours will play a basic role in modern web layouts. Combinations of pictures, diagrams, colored and white surfaces will be used very often.

The mainly used background colour was white. We can recognize a trend in multicoloured or single coloured backgrounds in the year 2007. We also believe that specific textures could become more and more important. E.g. structured surfaces.

Special attention will have to be on slim, standard-conformable web pages with clearly structured and easy to read content.

The table Design of the past will be replaced by layer-based, table-less XHTML and CSS templates which offers more flexibility in design together with slim and clear source code.

Animations will be used only punctually and very specific. In former times the often used intro-site represents an absolute no go.

Web design [http://www.techdivision.com/109.0.html] will be influenced by the new operating system from Redmont. The nature had a significant design-impact with wide-screen pictures and natural colours.

Flat Bed Trolleys

Trolleys are used to transport items from one place to another, a price example a trolley is used is in a supermarket. However they are only designed to hold small items, if you were to put a large item in the trolley it would not fit. That is why there are variations; one of these is the Flat Bed Trolley. These will often be found in places like Do It All and large warehouses. They work the same way as your standard trolley … 4 wheels, the front 2 turn for direction and a handle is used to push and direct the trolley. However they do not have a large metal frame and sides, instead the have one platform that is very low to the ground, it is a flat board, often made from reinforced wood or sometimes metal. The base has no sides at all apart from the handle to the rear that sticks up to the correct height for users to push.

They are designed in this way so that large objects can be placed on the base of the trolley, without sides restricting the object. They are completely flat so the items can be stacked up high and transported with ease. They are always found ion warehouses where they are relied upon heavily for the transportation of goods and pallets. Another place they are sometimes found are around offices, where they can have a number of handy uses.

There are available versions with removable sides incase you wish to secure the products on the trolley, the sides are made from metal and can be washed when a standard Flat Bed is required.

First Time Home Buyers – Basic Preparation For Mortgage Application

It can be fun and exciting to be buying your first house. However do realise that getting a favourable mortgage approval is not a god given right. It is possible that you have found your dream home and being unable to obtain a suitable mortgage to complete the purchase. To better prepare yourself on getting a suitable mortgage that will not strain you financially, these are some things to keep in mind.

Firstly, get a copy of your personal credit report. You really don’t know how it can look like. You might think that a past issue for a particular credit card is settled. However, your personal credit report may show otherwise. When these issues arise, you have to check with your issuer and credit bureau to find out why it is so. Lenders are particularly interested in a borrower’s credit conduct. Having bad personal credit can result in outright rejection of your housing bank loan application or being offered unfavourable terms on your housing bank loan. It is a good idea to promptly repay your financial obligations in the period before applying for your housing bank loan.

Secondly, lenders want to know how stable is your personal income to judge whether you can comfortably repay the mortgage. To judge the stability and consistency of your personal income, you are likely to be required to show your annual income for the last 2 years. Your personal income can also play a part in determining how big a loan quantum you can afford to borrow. A higher income will mean that you can afford a higher loan.

A common practice that new home buyers often make is to calculate how much a mortgage they can afford and maximize their affordability. However, do not forget that there are a number of costs that has to be taken into consideration when you buy a house. A mortgage payment is not all that you have to pay for. Things like utilities, insurance, maintenance costs, renovation loan, property taxes, etc, are costs that first time home buyers often fail to recognize. Calculate your monthly living costs and make an estimate of the amount of money you have to spend on miscellaneous stuff. Check with friends and relatives on their bills. It is better for your lifestyle to buy a house you can easily afford than to buy a dream house that you will struggle with just to make ends meet.

It is inevitable that a first time home buyer can be stressed out from the house search and the mortgage search. Being prepared and understanding important knowledge can help to significantly alleviate that.

Give Your Bathroom a Timeless Look

You can’t go wrong with oak bathroom furniture. There are so many options for you to consider. Part of the fun is deciding on the layout you want, the sizes of the items, how much storage space you need, and even if you would like light or dark coloured wood. You don’t have to be in a hurry to make those decisions. In fact, looking at plenty of images of the options can help.

As you look at them, save the images of the oak bathroom furniture you like the most. Then you can go back to those and narrow it down even further. Of course, what you buy will have to fit into the space you have. Carefully take those measurements so you know from the very start what you have to work with.

Storage

Being able to have a sturdy counter top and cabinet for storage is important. The weight of what you put in there won’t be a strain for any oak bathroom furniture. You can count on the shelving to hold plenty of items and the shelves won’t bow or break. The doors will also latch securely so what you have in there is kept private. You can pick from an array of sizes and styles for storing.

It all depends on the look you want, the space, you need, and how much you plan to store in there. If you have a larger bathroom, a full counter with one or two sinks may be just what you need. Underneath can be cabinets for storage on both sides. Some have a middle section that is open for the bottom of your basin and for larger items to be stored.

However, if you still feel you don’t have enough space, get one with middle drawers that look like a mini version of a dresser. You can even assign each household member one of those drawers or their items to be kept separated from everyone else’s!

There are also those designed for small and narrow spaces. They are every bit as durable, but designed to give you something to use in spite of limited areas. This change though can help you to successful maximise the space you do have. Stop feeling frustrated by a cluttered bathroom and all you need in there. Create a design that is lovely and orderly as the same time!

Quality is Vital

Always do your homework about brands and providers before you buy any oak bathroom furniture. There are some cheaply made imitations out there, and you don’t want to be taken advantage of. They aren’t going to last, and many of them can’t hold up well to the heat and moisture typical of any bathroom setting. You will have issues with warping and more.

As a result, the products will have to be replaced soon. You can avoid such problems by always ensuring the oak bathroom furniture you buy is from quality wood. You also need to buy it from a provider with a reputation for standing behind what they offer to their customers. Don’t try to save a few bucks and get such a problematic outcome.

You can get wonderful oak bathroom furniture for a reasonable price. Some consumers automatically assume it will be more than they can afford. It certainly doesn’t hurt to find out what is out there and what it will cost. You may find a deal you simply aren’t going to pass up. This is a wonderful way to give your bathroom a timeless look, and one that only loo

The Many Uses For Ground Penetrating Radar Services

While there are alternatives to using ground penetrating radar services, they are not generally as thorough and non-invasive. When it comes to finding out what is under the surface of any tract of land that may be built on or dug up for whatever reason, this radar has the unique ability to find what other methods may miss.

Your Old Maps Are not Enough

What about old survey maps, building blueprints or schematics? Do not these show where everything is? Not always, since home owners, or owners of any building, may have done work that is not on the maps or blueprints. There is also the possibility that work had been done on the land before the records were kept. Things change, and not everyone records the changes, so there may be underground issues you will need to be aware of.

• Old septic and sewer lines no longer in use may exist without your knowledge. These were supposed to either be removed or filled with gravel to avoid a cave in as the tank corrodes. Not everyone followed those regulations and you will not want to lay a slab for any structure to have it collapse when something underground gives way.

• Abandoned wells were usually capped off, but there is no way to know where they are without someone recorded the location. These can be hazardous, not only to a potential building project but for anyone walking in the area that is not aware of the possible danger.

• Underground pipes and cables may not be accurately represented on maps and surveys. So before any digging commences, it is a good idea to use ground penetrating radar services to locate any potential dangers lurking under the surface.

• Caverns, voids, water tables, and even soil type can be seen using radar. And this information can be invaluable when it comes to commercial building projects. Different soil types can generally call for a modification in the building to be raised or the materials that will be used.

While X-ray is considered to be a good alternative to ground penetrating radar, the only way it can be as effective is if the X-ray is taken from both top and bottom, which really negates the whole point of using it. Radar uses high frequency sound waves, which can be read with specialized equipment. In layman's terms, the sound waves bounce off objects in the ground in a pattern to determine size and shape, and depending on the density of the soil, the sound travels at different rates. This is how the subsoil type can be determined, based on the information received.

The future of any construction project can depend very much on the type of sub soil that exists, since drain and stability are important factors. Major projects always test the sub soil for any potential problems, since excessive drainage can lead to erosion of the soil right out from under a poorly slab foundation, underlining the entire structure. This is yet another of the many reasons ground penetrating radar services are utilized before a project begins.

Roofing: Reputation Matters

One of the best things you can do for your home's roof is hire a roofing specialist that really knows what they are doing. When you find roofers that are experts in the field you are assuring that your home is getting a good, quality roof that will last for years to come. If you are unsure where to look to find such a roofer, begin by seeking recommendations.

If someone in your neighborhood has recently had their roof replaced, talk to them about the roofing specialists that did the work. See if they appreciated the work that was done. Ask your neighbors how the roof is holding-up, whether the specialist gave an accurate estimate and whether, if given the opportunity, they would hire the same roofers again.

All of these questions can really help you confirm the quality of the company. Hiring someone recommended by a neighbor is a great way to narrow down the field of experts to find someone right for your project and home. If your neighbors do not have a recommendation, you can always check with friends or family in the area. There are always resources available to you for seeking recommendations.

For example, another place to find recommendations is the Better Business Bureau. With access to online recommendations and accreditations, you can determine the quality of a roofing company. Look for businesses that are highly accredited. The Better Business Bureau reserves the highest ratings for the best businesses.

The Better Business Bureau is also a great way to determine a company's reputation. Businesses with a high rating tend to have a good reputation across the board. They have a good level of customer service and satisfaction. You can also look beyond the Better Business Bureau's services and seek online reviews of some companies.

One thing you definitely want to look for when seeking recommendations, referrals and reviews is a company that gives an affordable estimate and then sticks to it. In roof work, especially, estimates can start out quick and affordable but then drag on creating a money pit. Make sure the company you hire has a reputation for accurate time and expense estimates.

Another quality that is good to seek out is friendly service. For some projects, the roofers could be around for a while. You want to be sure that you and your family feel comfortable with them. This is something you can assess and discuss with the company when you sit down for an estimate.

When seeking a roofing company, there are so many factors that play a part in your decision. Some of the most important factors, like reputation and affordability, you need to get right the first time. With a few extra conversations and a little bit of research, it is possible to hire the right roofer for your home project.

Some Basics About the 6 Month Smiles Procedure

Metallic dental braces are increasingly becoming a relic of the past and few would be saddened by their demise, especially those who suffered from bullying during their school years due to their use. New cosmetic dental procedures are slowly coming to the fore and taking their place. These include the ever popular but expensive invisible braces and the new 6 month smiles procedure which has become very popular in the United States and is increasingly seen in the UK and other western countries. This new system is a combination of traditional braces and new technology and materials. The old metal train tracks have been replaced by a tooth colored material and the wiring is almost invisible, making them a much improved version of dental braces that are used to straighten a person's teeth.

Although the 6 month smiles procedure is not as discreet as invisible braces, it is believed to be a significantly faster process; some claim around 25% of the time that invisible braces take, and at around half of the price this makes it a popular compromise.

At the initial consultation, impressions are taken of your teeth and approximately three weeks later, the treatment should be available to you.

Although each patient is different, it is not usual for any extra treatments such as bonding or veneers to be needed in conjuction with the six month smiles procedure.

After the name, the six months reflects not to an exact period of time that the procedure takes to complete, but an average time. For those with only minor issues, the period may be worse, while for those with very crooked and uneven teeth, it may be significantly longer. This will vary from person to person. The key factor is that they should not be removed until they have done their work correctly.

Although the treatment is not entirely effective at correcting underbites or overbites, it can be used to significantly improve these and make alignment much better, making eating and chewing more efficient.

As this is a cosmetic treatment, it is highly unquestionably to be offered on the National Health Service if you live in the UK, and would only be so in extremely rare cases. This is usually done privately and can be moderately expensive. Dental insurance plans may cover this treatment so if you are considering it, you should contact your insurance company to make sure that this is the case.

Painting Concrete

Traditionally, painting a concrete surface is considered one of the best ways to protect them and to make them more attractive. However, other ways of protecting concrete and making it more inviting have been developed. In protecting concrete surfaces, different types of concrete sealant that prevent water from seeing into concrete surfaces, are now available in the market. To make concrete surfaces more attractive, a recent development is staining the surface – a more practical, and a more unique way of making a concrete surface more inviting.

There are a number of advantages in staining concrete surfaces, which makes it the better choice over painting. One is that the stain that is used penetrates the concrete surface and it will not peel off like paint does after some time. Apart from this, when painted concrete surfaces become wet, they tend to become very slippery and pose a health risk to people.

Some of the most common types of stains are acid based stains, which are ideal for concrete surfaces because acid based that cause a chemical reaction that makes them attach to the surface. The stain would become part of the concrete surface. Other common types of stains are water-based stains, which are easier to apply than acid based solutions. However, this kind of stain is more sensitive to wear and tear and the satins do not last very long.

Both these paints come in different colors and different shades. Homeowners take necessary steps in protecting different parts of their homes including the concrete surfaces. Traditionally, homeowners opt to paint concrete surfaces to protect and make them more attractive. However, recent developments such as staining and sealing concrete surfaces have proven to be the better options in not only protecting concrete surfaces but also making them more attractive.

Understanding "Income Purpose" Investing

After 45 years of investing, I’ve come to the conclusion that the equity (or growth purpose) market is a far easier medium for investors to understand than the far safer, and generally less volatile, income purpose securities market. As counter intuitive as this sounds, experience supports the premise.

“Understanding” boils down to the development of reasonable expectations: just how do you expect the market value of your income purpose securities to react to varying market, interest rate, economic, political, atmospheric, and “other” conditions”… and, does it really matter?

Few investors grow to love volatility as I do, but most expect it in the market value of their equity positions. When dealing with “income purpose” securities, however, neither they, their guru/advisors, nor market commentators are comfortable with any downward movement whatsoever.

  • Not to make excuses for them, but most professional and media folk think in terms of the individual bonds and other debt securities that Wall Street markets to brokerage firms and other large investment entities. Bond traders hate to discount their inventory due to higher interest rates… it’s bad for year end bonuses. But their bond market disaster is the individual investor’s opportunity to buy the same amount of income at a lower price.

Most investors are also more receptive to loss taking advice on income securities than they are with respect to equities… always the effect of a “market value” rather than an “income production” focus… and a well kept Wall Street secret.

The list below describes some important characteristics and concepts involved with investing in income purpose securities. Familiarization with these will aid in the development of valid “performance” expectations. Doing so will also help develop an appreciation of this important (and somehow not too often mentioned) relationship: changing market values (in either direction) rarely have any impact on the income being generated by the security.

  • Confucius say: keep your eye on the ball, you can’t buy groceries with market value or total return, only income pays the bills… without depleting sacred capital

General attributes of income purpose securities:

  • They generate a predictable stream of interest, dividend, rent, royalty or other income.
  • They pay income in specific amounts on specified dates.
  • Their risk of financial loss varies dependent upon security type, issuer quality, and maturity, BUT, all normal income securities are considered far less risky (financially) than the common stock of their respective issuing entities. State government paper is less risky; federal government issues carry no financial risk at all.
  • The purpose of the income asset allocation of an investment portfolio is the production of income in an amount large enough to assure: annual growth of income producing capital and annual growth of income production.
  • High dividend common stocks (utilities, etc.) are not included within the income purpose security definition, although they may be less risky than other equities.
  • Bonds, loans, and other interest bearing securities are issued by both corporations and government entities and have maturity dates upon which the principal is returned to investors.
  • Income securities that are guaranteed as to principal and interest, or protected by “safety mechanisms” of any kind always bear a lower yield than otherwise similar securities.
  • Generally, fluctuations in market value have nothing to do with the financial viability of the security issuer. Most often, they are the result of anticipated changes in the direction of interest rates, or the tax code.
  • Any form of either market value or total return performance analysis in a predominantly income purpose investment portfolio is counterproductive, at best… particularly when comparisons are made with any form of equity index.
  • Bonds, mortgages, notes, and other “debt” instruments are generally illiquid securities with wide price “spreads”, and difficult to either sell at “statement” prices or add to from the marketplace.
  • Income closed end fund portfolios are liquid containers for illiquid securities, thus eliminating the major drawbacks of owning individual bonds, mortgages, loans, etc.
  • Higher interest rates (lower prices) are good for income investors because they produce higher yields from new (and existing) securities that are available for purchase.
  • Lower interest rates (higher prices) are good for income investors because they can provide “reasonable” profit taking opportunities on securities already owned.
  • A reasonable trading profit on an income purpose security is anything in the neighborhood of “one year’s interest in advance”, keeping in mind that three 7s always beat two 10s.

Theoretically, income purpose securities should be the ultimate “buy and hold” security blanket within retirement income portfolios. But if you examine the average retirement portfolio, especially 401k portfolios, you would find a remarkable low “income purpose” asset allocation. This seemingly nonsensical behavior is as much the result of government regulation as Wall Street manipulation. For example:

  • The Vanguard Retirement Income Fund (VTINX), with nearly $17 billion in assets, is one of the most popular and well respected of all funds in retirement income portfolios, particularly 401ks. The five individual funds inside yield just 1.75% in actual spending money to investors… but they are dirt cheap.
  • A diversified portfolio of income purpose Closed End Funds (CEFs), with payment histories stretching back more than twenty years, would yield well in excess of 7.00% after somewhat higher expense (that the security owner never actually pays).
  • CEFs are never found in 401k plans and rarely appear in IRA and other retirement portfolios created by investment professionals; please tell me if you know why.
  • Confucius say: if you buy cheap, you get what you pay for

The focus of an income purpose portfolio needs to be: the amount of realized, spendable, income produced irrespective of market value fluctuations. The operative investment management objectives need to be: growing both the productive working capital and the spendable “base income” produced by the portfolio.

Wall Street has you believing that lower market values are always bad and that higher prices are always good. This is the conventional wisdom we’ve all had thrust upon us for decades. But price volatility is the very nature of securities markets, the very reality that creates both buying and profit taking opportunities, particularly in income purpose securities.

  • Higher income purpose security prices mean lower yields, but also increased realized profit potential; lower income purpose security prices mean higher yields and buying opportunities. I see no bad or good; just the opportunity created by either scenario. (The same is true, incidentally, with Investment Grade Value Stocks.)
  • It is the inherent safety (i.e., lower risk of financial loss) of income purpose securities (and IGVSs) that creates this almost perfect relationship. Price volatility is always good.

“It’s OK, it’s natural, every market value fluctuation is satisfactual” is what I’ve been singing for decades… particularly since the creation of income CEFs. Rarely, even in the three major meltdowns of the past 40 years did any high quality company or government entity default, regardless of tremendous price fluctuations in all securities. Each time, the vast majority of CEF income payments kept rolling in, unscathed by the surrounding chaos.

How To Do Free Background Checks With No Credit Card Needed

Many people want to know if it’s really possible to conduct free background checks with no credit card needed. In this article we will discuss why these searches are so popular, as well as some options that are available to you that don’t require a credit card.

Free background checks with no credit card needed are simply a way to find sensitive information about a certain person. You can investigate financial, criminal, commercial and personal records on someone depending on what service you are using.

Here are the main benefits and reasons people are looking to do free background checks with no credit card needed:

#1: Learn more about the person you are about to hire.

Bad hires can be quite costly to a company’s bank account and their moral. This is because by hiring the wrong employee you are likely to waste a lot of resources training and teaching them your business. By conducting an investigative search first, you can save yourself both time and money.

#2: Find out more information about your romantic partner.

As they say: love is blind. In reality it’s more like: love makes people blind. When it comes to dating and love, it’s important to stay safe and keep yourself out of dangerous situations. Your romantic partner may not be the person he or she claims to be which could cause huge problems down the line. While you don’t need to get paranoid about it, you simply need to conduct a few investigations to put your mind at ease.

#3: Learn more about the financial expertise of your future business partner.

When it comes to business, past experience is a good indicator of what you can expect from a person in the future. There’s no reason to believe that a potential business partner will change simply because you start working together. A better solution is to do some investigating before you get financially involved with anyone.

Where to conduct free background checks where no credit card is needed:

While there are hundreds of sites that claim to provide free background checks with no credit card needed, the truth is that they WILL end up requesting payment at some point in the process. Most of them let you spend about 15 to 30 minutes on their website filling in information BEFORE they come clean and request credit card information.

So if you really want to conduct a free background check and not use your credit card then you are going to have to do all the legwork yourself. This means contacting the right government and private agencies to request information.

In the end, the request for services that provide free background checks where you don’t need a credit card has never been bigger. Unfortunately there aren’t any “for profit” companies out there that can help you with this. Don’t lose all hope though, there are several very inexpensive options available as well as ways you can conduct your own investigations using free resources.

Why Are Office Containers Cheaper Than A Conventional Built Office?

This is a tricky question;

Let's divide it into 3 simple sections and analyze each of them briefly.

Design & Planning Cost:

I believe you can save roughly 25% -50% on architectural / design costs when using container modules. Although the possibilities are endless when thinking of container placement, the models are all the same size so even at 3000 square foot you're only using 18 modules.

One of the most important factors on any job is time. Lead time, build time, and down time are all important to the building process and can greatly improve or destroy the flow of the project. A traditional "stick-built" structure is typically drawn by an architect and approved by the customer. The materials are then delivered to the job site (often coming in multiple loads through the duration of the project), and the building is constructed. Best case scenario, a small in-plant office is completed-start to finish-in about a month's time. Over two weeks of that time is spent on-site, hindering business and creating dust in the air.

Material Cost:

This will depend on location.

What will mostly affect the cost are the following things:

Cold or Warm Climate?

This will affect the insulation and then affect pricing greatly.

It also affects pricing on windows and doors as they also need to be of higher quality and with better energy efficiency.

Are you using used or new containers?

This can double your initial costs, however, can reduce the overall final costs, as you can never be 100% sure of the structural integrity of used containers.

Is this in a commercial area?

If yes, you may be required by Government laws to have a certain type of cladding or facade which can be as or more expensive as traditional construction.

Labor Cost:

Has your local contractor ever built a office container?

No: You're in for a treat, the first projects are usually disasters, except a fair amount of training is done off-site before.

Yes: Good, within a few hours, you should have your modules placed and interior work can start shortly.

I believe that we save roughly 20% -50% on final constructions costs to our clients, number one factor being location or climate however, I do not believe it is appropriate for everyone and you have a lot of hurdles to jump through to get them approved.

Pros:

Fully controlled manufacturing environment

More cost effective

Less prone to on-site errors

Much quicker on-site building

Cons:

Limited on design (kind of) Slightly longer delays to start building.

Due to approval, shipping and manufacturing time.

Once approved, it's hard to change small / specific things

Factors to Consider When Hiring Carpet Rug Cleaners

Carpets are very popular in homes. They are used as the primary flooring option or in combination depending on individual preferences. They are popular because of their aesthetic value and the fact that they come in a wide range of colors and fabric. This allows people to choose what suits them. In most cases people will choose carpets that complement their home decor. It is virtually impossible to find a home without a carpet. The only downside of using carpets is cleaning them. Cleaning carpets is a daunting task and hiring Carpet Rug Cleaners is the best option. This is because they are skilled in ensuring that your carpet is well cleaned. Carpets accumulate dust and in some cases get nasty stains that can be a big bother. Hiring carpet cleaners is convenient because they understand what to do and can do it efficiently.

It is important to choose the team that will come to your home or office cautiously. The first thing that you need to consider when hiring Carpet Rug Cleaners is professionalism. Hire a group that is qualified to do the task. It is important to check whether they have certification because the law requires them to have one. This is the only way to be guaranteed that your carpets are in safe hands. Carpets are easily damaged by bleaches and detergents. This is why hiring people who know what they are doing, is the only way to prevent such accidents.

The other factor that you have to consider is location. It is convenient to work with a company that is within your area. Carpet Rug Cleaners have to regularly clean your carpet, if the distance they cover is big then it increases the cost. In addition, when you have an emergency task like stain removal on a carpet they might delay worsening the problem. Hiring rug cleaners from within helps in reliability. It also helps initially in finding out the reputation of the company. The reputation of a local company is public knowledge. You can always find two or three people who have used their services and can inform you whether they offer quality services.

The cost of the services is another important factor to consider when hiring professional cleaners. Choose a company that is affordable. You can negotiate the price and take advantage of discounts offered. Notably, one of the ways to ensure that you get a great deal is by comparing prices from different companies. Choose the company that offers you quality services at an affordable rate. Hiring a company to clean your carpet is also the best way to ensure that it has a longer life span. When the fabric of a carpet is not washed properly it looks dull and starts to age. This is not the case when you hire Carpet Rug Cleaners for your carpet cleaning. Therefore, a longer life span means saving money that would have been used on replacement of the carpet. Professional carpet cleaning is one of the best ways of maintain your carpet.

Copyright @ Fast Cleaners Ltd

Cleaning Your Carpet With a Steam Cleaner Rental

Carpet cleaning is something that is usually best left to professionals, but if you do it yourself is a sign you might like to clean yourself. If that's the case, there are some things you should know to do the job the right way. Read this article for some tips on cleaning your carpet with a rental unit or home with a steam cleaner.

The first thing we need to do is get your rental unit for your local home improvement store or take out of your home steam cleaner. The addresses of these machines typically say to fill the tank with a cleaning solution and then rinse the carpet with the solution. This is a problem for two reasons. First is the fact that the cleaner will not have time to dwell on the carpet cleaning so that its capacity will be seriously diminished. It is also bad because it will leave a great shampoo or deterrent residual in the carpet. Instead of filling the tank with a cleaning solution to fill the tank with hot water clear. Get the water as hot as possible. Now in a new pump garden sprayer to make a mixture of cleaning solution. You use the spray to spray the carpet separately so that the cleaner has time to pause and therefore can rinse the carpet cleaner thoroughly with water. Before the spray cleaner of the carpet make sure to move all the furniture in the room and completely empty the carpet. Now the solution sprayed on the carpet and give him about five minutes to stop me. No job too big of an area. Working in a room at a time. After allowing the proper time for that now use the rental of steam or home cleaner and rinse the carpet. Work slowly and carefully and try to be as comprehensive as possible. You may have to make several passes to complete the removal of soil and detergent. After you finish making a pass extra dry to remove as much moisture as possible. When you leave the room turn, ceiling fans and if you have them, the place where the word fans of the carpet. You want to dry as quickly as possible to minimize the problems and the airflow is the key. Limit traffic on the carpet until it dries and does not replace the furniture to the floor is 100% dry.

This is about all there is to the success of carpet cleaning. Remember, rental and home units lack the power units of professional cleaning, so if your house is very dirty you may want to hire a professional instead. Good luck.

Determining the Best Computer Repair Tools

A computer is divided into software and hardware, so the computer repair tools are also separated into the two main categories. When the hardware needs to be repaired, it usually involves cable cutters, multi-meters, thermal cooling paste, screwdrivers, canned air, and three-pronged parts grabbers. While, if you are concerned about software reparation, you may need one of these tools including password recovery programs, virus scanners and disk defragmenter, memory checking programs, or hard drive diagnostics.

Each computer repair tools has its own function that is used to improve the computer's performance. For example, the multi meters are used to check the condition of Ethernet and power cables. By checking these tools, you can determine it needs to be replaced or not. Even it is only a dust, but it can cause your computer functions at peak efficiency. To get rid from dust and other debris, you can use canned air.

On the other hand, some computer repair tools that you can use to fix any problems on the software. When you want to prevent an overheating system, you can add a cooling paste and random access memory modules. You can remove a malicious program that could slow your system by the help of anti spyware and antivirus. When you execute these programs, they will scan the whole of your system to find corrupted programs and then delete it.

No matter if it is hardware or software, the computer repair tools will provide you with many useful features. The function of this features is diagnosing and repairing to preserve your system to work properly. The diagnostic software will work to scan, he hard drive, processor, and random access memory. When it is recognized to be malfunctioned, the program will replace it with the new one.

Meanwhile, you also need to concern about the procedures when you want to use the computer repair tools. Before opening the case of PC, you need to make sure that all cables and power cords are unplugged. Do not ignore about the electricity flow when you try to touch internal components of PC because it can injure you or even kill.