Friday, August 31, 2012

What Is Life Like With An IVA?

If you are going to be living with an IVA, the chances are you will have to make a few adjustments to your lifestyle but don't let that put you off. In fact, IVAs are expressly designed to help people free themselves from problem debts and begin to enjoy life without the stress of trying to constantly keep on top of unmanageable finances.

This guide to some of the more important factors affecting people adhering to the terms and conditions of Individual Voluntary Arrangements may help you feel less worried by giving you important insights into how you could manage whilst the agreement is operational.

IVAs always last for a minimum of 5 years and your Insolvency Practitioner (IP) should have negotiated agreements which will enable you to live throughout that time without being under any excessive financial strain. You will need to live without resorting to common credit such as credit cards, loans, overdrafts, store cards, etc. If this is a thought which greatly concerns you, perhaps it may help to understand sometimes new situations can make some people feel apprehensive simply through fear of entering unknown territory. If you refocus on all the advantages you would gain by successfully completing an IVA, it may help you to see the agreement as an opportunity to improve life, instead of a burden you feel uneasy about.

Individual Voluntary Arrangements were introduced to allow people to end the stress of living with finances which had become increasingly beyond their control. Many people use the duration of the IVA to lay the foundations for a more secure, more financially stable way of life. This can perhaps help people by perhaps being more readily equipped to avoid similar stressful circumstances in the future. The circumstances that lead to problem debts and current situation will be different for every single individual. No matter how the problems arose, everyone's goal is to face a debt-free future. A good working relationship with your IP should help you journey through the agreement's lifespan more smoothly.
It's essential to let your IP know if your financial circumstances change, and this includes when your finances have increased as well as decreased. This allows them to calculate any necessary changes to your IVA repayment schedule. All Individual Voluntary Arrangements are subject to strict laws and your IP is there to make sure you're getting the support you need to comply. If you successfully complete your IVA, the agreed debts it covered will be written off and you would be ready to begin to rebuild your credit score once more.

One piece of cautionary advice is to realise that for many people, reaching the end of successfully completed IVAs can feel like something of a release. On the other hand, whilst you're now free of the debts it applied to, do exercise caution. It's essential not to become over-committed at this important stage in rebuilding your credit score. Instead, do continue with the principles and practice of the sound financial habits begun under the IVA to protect your best interests at this juncture.

It needn't feel as though life would be impossible under an IVA. Individual Voluntary Arrangements should have been properly arranged by an IP who fully understands your circumstances and everyday life. You should not be expected to live on a budget which would not allow for reasonable everyday expenses. For many people it is the case that their lifestyle has to become somewhat more modest for a certain fixed period of time. However, successfully completing their IVAs allows them to reach their long term goals: rebuilding their credit status and enjoying a new life free from the stress of over-whelming debts.

Wednesday, August 29, 2012

Some of the Best Ways To Get Rid Of Silverfish

Some of the Best Ways To Get Rid Of Silverfish

There are various effective ways that can be implemented to get rid of silverfish. This article discusses some of the effective methods.

Introduction to Silverfish
Silverfish can really be very irritating. They may look harmless and they don't sting or bite, but they cause damage to your home and its contents. They are specifically known for eating wallpaper glue, books, clothes, and even breakfast cereal. An infestation of silverfish can happen many times in your home and it's best to get rid of silverfish as soon as possible.

Moreover, the destruction they can cause in your home can be really expensive. These insects are not very attractive among the insects, and can rather be frightening and squeamish.

What is silverfish?
Silverfish are small wingless insects, 1 to 1/12 inches long. Their body is very wide and nearly the tapers towards their tail. Silverfish insects generally prefer humid, warm conditions and are very much attracted to the human inhabitants through starch in the book bindings, photos, paper and glue along with conventional food.

The color of silverfish is silver and for this reason they are named as silverfish. These insects are generally found under the carpets, under damp sinks, dark places such as small cracks and crevices, and even in your clothing. Silverfish are also attracted to the fungus and mold.

Common Places You'll Find Silverfish
Attics
Cracks & Crevices
Under refrigerators
Sink drains
Your laundry room

How to get rid of silverfish?
There are few steps that an individual must take in order to get rid of silverfish. These steps include:

Step 1:
First of all, it is necessary for you to observe whether the insects are firebrats or silverfish, since these two insect species bare a resemblance to each other. Although, they are alike, they have unlike habitat necessities. Silverfish are silver-gray and prefer cooler conditions.

Step 2:
Another necessary step is to search out for the area of infestation. For this, mix the water and flour together in order to prepare a thin paste, and then with the help of this paste paint both the sides of few index cards. When the index cards get dry, locate them in the regions where you assume the presence of silverfish. If there are few irregular notched edges and scrapping available then this is the sign of silverfish's feeding and their presence.

Step 3:
The third step is to remove the surplus moisture. This may signify setting up of a dehumidifier and deploying one desiccant like diatomaceous earth and putting in place the leaky plumbing.

Step 4:
Another step in order to get rid of silverfish is to get rid of the food sources. Silverfish generally stay very close to the food they eat; hence one should have an ability to locate their food. Clean all the areas where infestation has taken place, as well as seal any crevices or cracks by making use of silicone caulk.

Step 5:
The final step in order to get rid of the silverfish is to seal all the infected books in one plastic bag along with few desiccants, and put it within the freezer or cool place for at least three days. If you notice the entire bookcase has been infested, then spread desiccants at the back of bookshelves too.

Author Bio: For a complete guide on how to get rid of silverfish, the author of this article recommends reading the site www.getridofsilverfish.com.

Monday, August 27, 2012

Building And Construction Costs In South Africa

BUILDING COSTS (Overall rates per m excl. VAT)

The following building and construction rates are provided to indicate the current square meter costs of a range of basic or common buildings in the construction industry.

Rates are approximate and vary according to the specifications of the project. Rates should be used with extreme caution and used only as a estimated indicator as these differ from area to area. Information is not stated specifically and the lowest industry standard specification is implied.

Preliminaries are included in the price but external works excluded. Escalation to start and during construction, professional fees and finance costs are excluded.

Residential Developments GASH (good address, small home) housing by Contractor/Developer R 2 550 - 3 200 Duplex houses/apartments R 3 600 - 4 200 Luxury (cluster) houses R 5 000 - 6 800 Retirement centre R 3 600 - 4 200 External works and services R 550 - 780

Office Developments Underground parking basements including foundation R 1 650 - 2 300 Commercial office park development on basement (with AC) R 2 950 - 3 650 Prestigious office development on basements R 4 700 - 7 200 External works services and landscaping for low rise developments R 550 - 780 Retail Developments Value centre type retail R 2 200 - 2 900 Convenience strip shopping centre R 3 100 - 3 700 Regional shopping centre with enclosed malls R 5 200 - 7 300 External works paving and services R 550 - 780 Industrial Developments Warehousing with 6 m height (over 2 000 m) including ablutions R 1 400 - 1 950 Medium duty factory building with 8 m height (over 2 000 m) R 1 750 - 2 300 Attached office buildings (no AC) R 2 700 - 3 200 External works, paving and services R 550 - 780 Leisure Developments Thatched game lodge accommodation per m R 3 700 - 4 800 Budget type hotels per room R 390 000 Luxury hotels per room R 1 380 000 External works and landscaped environment per m R 850 - 1 100

Friday, August 24, 2012

Improve Profitability When Buying Commercial Truck Tires!

If a company owns one or a fleet of bucket trucks, they are possibly the best operations asset that a company can ever own. Like any other commercial vehicle, buying commercial tires can really cost any company a considerable amount of money. Yet the benefit of getting brand name and quality wheels can far outweigh the cash invested. In other words, getting quality tires could eventually give a company more value for its money in the long run.

There numerous kinds and brands of tires available in stores. There are some things that need to be considered before getting such an item for bucket trucks. Shopping can be done either online or shop in a store's physical location. One needs to know the right size and the right kind of tires for the vehicle. A buyer should also know which ones need to be replaced, the drive or the steer wheels. Resolving these issues before shopping will save both time and effort. Following is some important information about buying commercial truck tires.


* Get the exact details needed. Generally, on the outside of the wall can be found all the information needed for the wheel that is to be replaced, including information about the width, aspect ratio, and the type needed. There are two basic types of truck tires, cross-ply (bias-ply) and radial. The radial design is for automotive use and the fibers inside the wheel are threaded 90 degrees sideways. They are designed this way to reduce the rolling friction. These offer so many advantages they have basically become the standard design of tires today.


* Know the thread designs. Thread designs differ depending on the purpose and usage of the truck. The Rubber Manufacturer Association (RMA) has set guidelines for threads designed for both mud and snow and usually have M+S, M/S M&S or just the plain MS marked on the wall. Otherwise, there are designs that help avoid hydroplaning and threads designed to minimize wind resistance along with other thread designs that meet the customer's trucking needs.


* Be determined to get quality tires. These are expensive yet can ultimately save time because they will last longer as they are designed for more mileage compared to their cheaper counterparts. Better quality wheels save money in the long run since they give the truck a smoother ride over the roads with less acceleration, thus having the potential to save the company a considerable amount of money due to a lower fuel cost.


* Decide to replace both pairs of wheels to have a balanced tractor-trailer. If the decision is to only replace one set of tires on only one side of the vehicle, bear in mind that the old ones not being replaced will already have lost rubber leaving them thinner when compared to the new ones. The truck may get slightly off balance since the new tire is thicker than the old one, especially when the vehicle is loaded with heavy payloads.


* Great deals for quality wheels are readily available online. Major companies have websites for viewing their goods online where semi-truck tires can be purchased. By being able to browse and match the model of the truck, this can make the shopping easier and more convenient.


* Shopping at a local store for vehicle parts has the advantage of personally seeing the tires and getting first-hand information from a sales representative who can further explain to you the benefits of what best suits the needs of a particular truck.

Lastly, successfully acquiring more costly commercial vehicle tires may cause a company to spend more money initially; yet the eventual outcome of long-term savings will surely make that initial cash payment well worth the investment. Getting the best quality wheels for your bucket truck means greater savings and may increase your company's long-term profitability!

Thursday, August 23, 2012

What Is The Difference Between A Moped And A Motor Scooter?

The word "moped" is derived from the words "motor" and "pedal". Some, but not all, mopeds have a foot-powered pedal that powers the vehicle without the use of the engine. A motor scooter is more like a miniature motorcycle. Two of the biggest differences between mopeds and motor scooters are power and licensing requirements.



Since mopeds are not usually over 50 CCs of engine power, the licensing requirements in most places are more lax than for motor scooters, which have between 50 and 150 CCs of engine power. Most mopeds are legal for use on public roads, but are limited on highways. Mopeds have an automatic transmission. The benefits of owning a moped are that they are very environmentally friendly and, in many places, kids aged 14 or 15 can legally drive them on most public roadways.



A motor scooter has less power than a motorcycle, and many people choose scooters because they are more economical to drive and are not as intimidating as a full-power motorcycle can be. Mopeds, on the other hand, are more popular with young people. In areas where a motorized vehicle would not be allowed, such as a sidewalk or on a college campus, they are able to petal the moped and still get around.



Unlike a bicycle, the moped's engine allows users to get around at speeds up to almost 50 miles per hour. For adult commuters who want to save on fuel costs, a motor scooter is one option. For any commuter wanting to save the environment and get around in a stylish fashion, the moped just cannot be beat.



Some states classify mopeds according to their engine size, and others make the classification based on top speed. If you are considering a moped for transportation, check your state's specific regulations regarding the classification of the vehicle and the licensing requirements. Some states allow mopeds to be driven on public roads at the age of 14. In most states, 15 is the minimum age requirement. Motor scooters are usually classified as motorcycles, and the minimum age for driving on public roads is 16.



For high school and college students who need to travel relatively short distances at relatively low speeds, a moped is an excellent fuel saver. The small size is as easy to manage as a bicycle, but you do not have many of the limitations or hassles, such as pedaling up steep hills without assistance or getting out into the flow of 40 mile-per-hour traffic without the necessary power.



Adult commuters with relatively short, low-speed commutes also enjoy the money saving moped. Mopeds are also more environmentally friendly because they consume far less fossil fuel and have lower emissions.

Tuesday, August 21, 2012

Buying Vs. Leasing Salon Equipment

When updating salon equipment or starting a new business you have to decide which financing option is best for you. Depending on your budget, you have a decision to make; do I lease of finance my new salon equipment? Here at Keller International we get asked all the time about the pros and cons of buying and leasing salon equipment.

Commonly Asked Questions about Leasing Salon Equipment:

What is the difference between leasing or financing (through a bank) for purchasing my styling chairs and equipment?

What are the advantages to leasing vs. a bank loan?

Who do I turn to for leasing equipment and how does it work?

Leasing Salon Equipment is Easy and Affordable

Leasing is not a new option for salon businesses; in fact a lot of salons lease their equipment instead of financing it through a bank. The advantages of leasing are many. Leasing is quicker and easier for most business owners who have limited capital or who need equipment that must be upgraded every few years, while purchasing equipment can be a better option for established businesses or for equipment that has a long usable life.

Advantages of Leasing Salon Equipment

The primary advantage of leasing salon equipment is that it allows you to acquire salon furniture and supplies with minimal initial expenditures and allows you to finance 100% of the equipment costs, shipping costs, taxes, etc. This frees up your cash and other credit for other purposes.

Another financial benefit of leasing salon equipment is that your lease payments can usually be tax deductible, thus reducing the net cost of your lease. In addition, leases are usually easier to obtain. The lease applications are just one page and approvals are usually within 24 hours.

Leases also have more flexible terms and payment structures than bank loans for buying salon equipment. This can be a significant advantage if you have bad credit or need to negotiate a longer payment plan to lower your costs.

We at Keller International, work with several financing institutions that can finance all your salon equipment needs. Highland Financial Group, Quest Resources, Bank of Cardiff and Beneficial Capital are a few that offer great service and an understanding of the salon and barbershop community.

Thursday, August 16, 2012

Information about Credit Card Harassment and Consumer Law Attorneys

Today, Credit Card Harassment has become very common. This is because there has been a considerable increase in the usage of credit cards. Actually, credit cards are based on the principle of buy now pay later. It is a kind of debt which you will have to pay back after a certain time period. But there are people who buy things and forget about the debt and as a result the credit card companies appoint collection agencies to collect the debt.


These collection agencies in order to collect the debt use such methods which lead to Credit Card Harassment. They make continuous phone calls; send innumerable emails, above all they even reach the debtors residence and work place. This results in a lot of stress and embarrassment. Therefore, if you want to protect yourself from Credit Card Harassment then it is important to eliminate your credit card debt as soon as possible. Many times people due to fear of Credit Card Harassment declare themselves bankrupt in order to get rid of their credit card debt without knowing the fact that it will not improve things rather it will worsen the situation. If you file bankruptcy then you may have to face serious consequences and therefore, bankruptcy should not be considered as a solution for eliminating credit card debt to prevent from Credit Card Harassment.


There is no need to give importance to such rather you must seek help from a debt relief counselor to know about what you can do to get rid of the debt. This will definitely reduce your stress which you have been suffering due to increasing debt. The only way to prevent you from Credit Card Harassment is to pay off the debts as soon as possible.


There are situations when it is required to file a consumer protection lawsuit. Such situations may arise due to many reasons and in order to protect consumer rights you may have to take a drastic step. However, it is essential to seek help from Consumer Law Attorneys as they are experts in this area and have experience in handling such cases. The Consumer Law Attorneys are aware of all the laws regarding consumer protection rights and therefore will be deal with such cases effectively. But locating a good and capable Consumer Law Attorneys is very important.


You can ask you friends and relatives to give you the contacts of if they know someone who can help you. This is so because they can give you a genuine advice and a lawyer who has already worked for your friend or relative is always a better choice as you have an idea about his or her capability. You can even search for Consumer Law Attorneys on the internet if you are unable to get any information from your friends and relatives. However, it is important to check the credentials, work experience and specialization before choosing Consumer Law Attorneys.


Thus, it is important to seek help in case of Credit Card Harassment from a debt relief counselor and Consumer Law Attorneys in case of violation of consumer protection laws.

Thursday, August 9, 2012

Psychic Scams: How To Avoid Them

I have been conned by a psychic, what do I do?
Don't ever hold your self responsible, that's the primary rule and it's not your mistake although so much people charge the guilt to themselves.

Cons work when individuals are at their most helpless or fragile circumstances, and this time is also where most psychics take advantage. Take it from the experienced.

Here's what you need to do instantly

Stop talking or communicating with this scam artist in all ways! This is essential! There is little you can carry out if you are still communicating in the midst of the scam artist. Thus it is necessary to decease communicating! If there's a need that you need to alter your phone number then do it!

Cancel any cheque you have provided that has not yet cleared from the bank. Notify your bank to deny any charges if you provided this type of psychic your credit card number. Do recover from them as much funds as you can.

Directly get in touch with your local police department. Then provide them as much information as you can. Learn from my mistake for I made the error of not informing the police department at the time when I was swindled.

Be certain to point out the so-called statement crimes of confidence to the police men.

Kindly report and file the case anyway as it may possibly help out someone else in the future even if occasionally the Police won't know how to help you. When the policemen catch them, help the authorities to put the fake ones to jail for a long, long, time.

Drop a line to the Internet Crime Complaints Center especially if you want to publish the website of thedeceitful psychic on the Internet.

Tell them what occurred and any other information you can remember as well as the location where you found their website. Get in touch with the Federal Trade Commission since other people similar to you could get scammed if you don't report it.

Again this helps find these criminals and allows them to be dealt with. Follow these steps!

Don't hold your self responsible! For the most part, con artists excellent at what they carry out in spite of everything, it is their vocation.

From time to time all of us require a little counsel and understanding, its human nature to be occasionally reminded. A lot of con-men and women utilize astrology and the disguise of psychic skill to trick innocent victims, or in other words, not all psychics are con-artists.

Search for the type of psychic you have a link with in view of the fact that the majority of psychics beyond doubt would like to assist you on your expedition through life.

If you're serious about metaphysics, physics and tarot readings but afraid that it might be a scam. If you are sick of unnecessary fees, scams, vague nonsense and other fraudster tricks... then you found the right person. I'll make finding a genuine psychic and avoiding psychic scam easy and enjoyable for you... AND NOT BORING!

First, click the link below to read the powerfully revealing information about the things you need to know. This will get you the immediate info you need to choose wisely now.

Second, look around my website as there are a number of other resources to help, including easy to follow guides, recommendations, advice to help find a person to person psychic with real talent that can give you a reading that will shock you.

Third, with my advice you can stop paying for inaccurate readings and meet genuine psychics . You've heard it all before... I get it. But we've helped both psychics and clients, and know all the 'tricks' in the book to help you get the right reader to fit your needs.

Fourth, there is no fourth. Simply enjoy the resources we compiled for your benefit and take action! If you don't find the answers to your questions and wonders if you had a past life... I'd be amazingly surprised!

Wednesday, August 1, 2012

Why You Should Consider Using A Property Consultant!

Property consultants work within the industry day in day out, and can provide you with detailed insights using their professional experience, and knowledge. There are numerous ways that a property consultant can be of use to you.
It is more than likely when looking for a property you will come across severable that you find suitable. Optionally you may find that your choices are limited or perhaps not in the location that you most desire. In any of these cases a property consultant will be able to help you narrow down your search or perhaps suggest alternative locations and properties that you might not have initially considered. This is where you will initially start to see the value of your chosen property consultant. They will ask you a number of in depth questions to help establish and your needs, wants and desires as well as any concerns that you may have. Questions such as number of family, pets and local schools are all common questions that help establish the type of property you may be looking for as well as the obvious one of the amount you're looking to spend. If you are a business looking for an office, a property consultant can help you find a suitable sized property in an area that is close to customers or perhaps key clients.

Once you've decided on the suitable property, they can also help you with negotiations which there will inevitably be. Allowing somebody neutral to perform the negotiations will certainly alleviate you of the high stress levels that are almost guaranteed when dealing with the kind of levels of finance involved in property. Your property consultant should be well aware of the market value of your potential purchase. The money you could save would certainly be worth the fee for their consultancy and it would also save you immeasurable levels of anxiety also.

The actual process and final purchase will also be smoother with a property consultant as they will have a plethora of contacts and will know the suitable personnel to perform a thorough job while also making the process as quick as possible.

It is quite clear that although with some research and plenty of time on your hands you could easily go without a property consultant; however with people living such busy lives these days, often working over forty hours a week, thinking you can do it yourself might actually turn out to be a false economy, not just financially but for your stress levels also.