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Added for You - How Well Do You Know The Air You Breath At Home
Which Is Better: Credit Counselling, a Debt Management Plan, or a Consumer Proposal?
I am often asked to explain the various options for dealing with debt, and most of the time people want me to start with options that do not involve personal bankruptcy. Assuming a debt consolidation loan is not an option, people in debt want to know whether they should get credit counseling, do a debt management plan, or file a consumer proposal.First, it should be noted that credit counseling and a debt management plan are often two different descriptions of the same service. A credit counselor works with you to deal with your debts, and that often means they file a debt management plan. That's why the phrases credit counselling and debt
nown carcinogenI am often asked to explain the various options for dealing with debt, and most of the time people want me to start with options that do not involve personal bankruptcy. Assuming a debt consolidation loan is not an option, people in debt want to know whether they should get credit counseling, do a debt management plan, or file a consumer proposal.First, it should be noted that credit counseling and a debt management plan are often two different descriptions of the same service. A credit counselor works with you to deal with your debts, and that often means they file a debt management plan. That's why the phrases credit counselling and debt
e) VOC’s:
Studies have repeatedly shown that computers release up to 47 chemicals in the form of gases, including toxic hydrocarbons from adhesives. In addition, engineered woods such as plywood, fiberboard and strand board contain adhesives that emit hydrocarbons.
f) Carcinogens:
Environment Science and Technology recently published a study that shows that the average American house contains 20 banned substances like PCB and DDT. PolyCarbonatedByphenols (PCBs) are ingredients in disinfectants, detergents and adhesives.
g) Organic Matte:r
Indoor air in also laden with fungi, molds, bacteria and other mi
Keep Your Profits
It looks like we have now entered a new bull phase in the stock market and I have a question for you. Will you give back the profits that you make this time as you did in 2000? You sure don’t want to, but you are not going to get any help from your broker.The investors (Not really the right term. They were gamblers.) had bought stocks and mutual funds during the 90’s and seen them have huge advances. They thought they were going to retire early, buy an island in the Caribbean and drink rum and coke all day with no hassels. All of a sudden the bull was attacked and eaten by a grizzly bear. Dreams of comfortable early retirement went up in s
A basic understanding of indoor air qualityIt looks like we have now entered a new bull phase in the stock market and I have a question for you. Will you give back the profits that you make this time as you did in 2000? You sure don’t want to, but you are not going to get any help from your broker.The investors (Not really the right term. They were gamblers.) had bought stocks and mutual funds during the 90’s and seen them have huge advances. They thought they were going to retire early, buy an island in the Caribbean and drink rum and coke all day with no hassels. All of a sudden the bull was attacked and eaten by a grizzly bear. Dreams of comfortable early retirement went up in s
Sick Building Syndrome (SBS)? Multiple Chemical Sensitivities )MCS)? Volatile Organic Compounds (VOC)? Polybrominated Diphenyl Ethers (PBDP’s)? Radon? These are terms found only in obscure college chemistry texts, right? Well, not any more!
Recent studies (both governmental and independent) show a dramatic increase of harmful airborne pollutants in our homes. Consequently, a number of medical conditions (including cancer) can easily be attributed to this gradual deterioration of our Indoor Air Quality (IAQ).
Some questions to ponder:
• What do we (and the ones we love) breathe at home, in other words, how well do we know the air we breathe?
• What can we do to improve our indoor air quality?
Here is list of how far down the “rabbit hole” poor indoor air quality can take you and your family:
1. Dryness and irritation of eyes, nose and skin
2. Headaches
3. Fatigue
4. Shortness of Breath
5. Sinus congestion
6. Coughing and sneezing
7. Dizziness
8. Nausea
9. Asthma
10. Allergic reactions
11. Toxic shock
12. Lang disease
13. Cancer
According to the National Lung Association (NLA), lung disease claims close to 335,000 lives every year in America, making it the third leading cause of death in the U.S. So, what is causing this disease?
a) Carbon Oxides(CO,CO2)-Nitrogen Oxide (NOx)- Tobacco Smoke, Perfumes and Body Odors:
Heating systems and other appliances (stoves, furnaces, heaters, water heaters, dryers etc.) that use fossil fuel (gas, fuel or wood) can produce several combustion products. Carbon oxides interfere with the oxygen in our body. At low levels they can produce fatigue, confusion, nausea and dizziness. Prolonged exposure to Nitrogen Oxides can lead to chronic bronchitis.
b) Radon:
Radon is a naturally occurring gas that can permeate into our homes through cracks in the foundation, floor, walls and drains. The National Research Council reports that it is the second leading cause of lung cancer (15,000 to 20,000 deaths per year).
c) Dust:
Researchers found that flame retardants (Polybrominated Diphenyl Ethers) in the dust in American homes are 10 times higher than anywhere in Europe. The Deca Brominated Diphenyl Ether form is especially toxic as it accumulates in the body. For that reason, it is a potent carcinogen. PBDEs are also found in carpets, drapers, auto interiors, hair dryers, computers and television sets.
d) Chloroform:
Chlorinated hot water in the kitchen sink, washing machine, dish water and shower can release chloroform, a known carcinogen
e) VOC’s:
Studies have repeatedly shown that computers release up to 47 chemicals in the form of gases, including toxic hydrocarbons from adhesives. In addition, engineered woods such as plywood, fiberboard and strand board contain adhesives that emit hydrocarbons.
f) Carcinogens:
Environment Science and Technology recently published a study that shows that the average American house contains 20 banned substances like PCB and DDT. PolyCarbonatedByphenols (PCBs) are ingredients in disinfectants, detergents and adhesives.
g) Organic Matte:r
Indoor air in also laden with fungi, molds, bacteria and other mi
Work At Home - How Do You Separate The Scams From The Legitimate?
These days, everywhere you look, there’s a “work from home” advertisement. In your email, on career searches, and on websites, are just a few places that these ads appear. Sure, it sounds great – who wouldn’t love to work from home – spend more time with their family, avoid traffic and gas prices, and so forth? Proceed with caution, though – some businesses are not as honest with their promises as they should be.Granted, there are legitimate business opportunities. There are definitely a lot of people making a lot of money online. However, there are probably more people that are losing hundreds, if not thousands, of dollars per year on
words, how well do we know the air we breathe? These days, everywhere you look, there’s a “work from home” advertisement. In your email, on career searches, and on websites, are just a few places that these ads appear. Sure, it sounds great – who wouldn’t love to work from home – spend more time with their family, avoid traffic and gas prices, and so forth? Proceed with caution, though – some businesses are not as honest with their promises as they should be.Granted, there are legitimate business opportunities. There are definitely a lot of people making a lot of money online. However, there are probably more people that are losing hundreds, if not thousands, of dollars per year on
• What can we do to improve our indoor air quality?
Here is list of how far down the “rabbit hole” poor indoor air quality can take you and your family:
1. Dryness and irritation of eyes, nose and skin
2. Headaches
3. Fatigue
4. Shortness of Breath
5. Sinus congestion
6. Coughing and sneezing
7. Dizziness
8. Nausea
9. Asthma
10. Allergic reactions
11. Toxic shock
12. Lang disease
13. Cancer
According to the National Lung Association (NLA), lung disease claims close to 335,000 lives every year in America, making it the third leading cause of death in the U.S. So, what is causing this disease?
a) Carbon Oxides(CO,CO2)-Nitrogen Oxide (NOx)- Tobacco Smoke, Perfumes and Body Odors:
Heating systems and other appliances (stoves, furnaces, heaters, water heaters, dryers etc.) that use fossil fuel (gas, fuel or wood) can produce several combustion products. Carbon oxides interfere with the oxygen in our body. At low levels they can produce fatigue, confusion, nausea and dizziness. Prolonged exposure to Nitrogen Oxides can lead to chronic bronchitis.
b) Radon:
Radon is a naturally occurring gas that can permeate into our homes through cracks in the foundation, floor, walls and drains. The National Research Council reports that it is the second leading cause of lung cancer (15,000 to 20,000 deaths per year).
c) Dust:
Researchers found that flame retardants (Polybrominated Diphenyl Ethers) in the dust in American homes are 10 times higher than anywhere in Europe. The Deca Brominated Diphenyl Ether form is especially toxic as it accumulates in the body. For that reason, it is a potent carcinogen. PBDEs are also found in carpets, drapers, auto interiors, hair dryers, computers and television sets.
d) Chloroform:
Chlorinated hot water in the kitchen sink, washing machine, dish water and shower can release chloroform, a known carcinogen
e) VOC’s:
Studies have repeatedly shown that computers release up to 47 chemicals in the form of gases, including toxic hydrocarbons from adhesives. In addition, engineered woods such as plywood, fiberboard and strand board contain adhesives that emit hydrocarbons.
f) Carcinogens:
Environment Science and Technology recently published a study that shows that the average American house contains 20 banned substances like PCB and DDT. PolyCarbonatedByphenols (PCBs) are ingredients in disinfectants, detergents and adhesives.
g) Organic Matte:r
Indoor air in also laden with fungi, molds, bacteria and other mi
How to Become an Expert Overnight
Imagine you wake up one day and you are instantly recognized as the expert in your field. The trade publications you usually just subscribe to call you up and try to get interviews with you. Your articles are published and your clients begin trying to seek you out rather than the other way around.This is what can happen when you successfully position yourself as an expert, and the benefits of this are profound. There are a few ways to make sure you appear as an expert in your field, and some tips are below.Join industry associations- you probably know some major industry associations that apply to your work area, but you may not
of death in the U.S. So, what is causing this disease? Imagine you wake up one day and you are instantly recognized as the expert in your field. The trade publications you usually just subscribe to call you up and try to get interviews with you. Your articles are published and your clients begin trying to seek you out rather than the other way around.This is what can happen when you successfully position yourself as an expert, and the benefits of this are profound. There are a few ways to make sure you appear as an expert in your field, and some tips are below.Join industry associations- you probably know some major industry associations that apply to your work area, but you may not
a) Carbon Oxides(CO,CO2)-Nitrogen Oxide (NOx)- Tobacco Smoke, Perfumes and Body Odors:
Heating systems and other appliances (stoves, furnaces, heaters, water heaters, dryers etc.) that use fossil fuel (gas, fuel or wood) can produce several combustion products. Carbon oxides interfere with the oxygen in our body. At low levels they can produce fatigue, confusion, nausea and dizziness. Prolonged exposure to Nitrogen Oxides can lead to chronic bronchitis.
b) Radon:
Radon is a naturally occurring gas that can permeate into our homes through cracks in the foundation, floor, walls and drains. The National Research Council reports that it is the second leading cause of lung cancer (15,000 to 20,000 deaths per year).
c) Dust:
Researchers found that flame retardants (Polybrominated Diphenyl Ethers) in the dust in American homes are 10 times higher than anywhere in Europe. The Deca Brominated Diphenyl Ether form is especially toxic as it accumulates in the body. For that reason, it is a potent carcinogen. PBDEs are also found in carpets, drapers, auto interiors, hair dryers, computers and television sets.
d) Chloroform:
Chlorinated hot water in the kitchen sink, washing machine, dish water and shower can release chloroform, a known carcinogen
e) VOC’s:
Studies have repeatedly shown that computers release up to 47 chemicals in the form of gases, including toxic hydrocarbons from adhesives. In addition, engineered woods such as plywood, fiberboard and strand board contain adhesives that emit hydrocarbons.
f) Carcinogens:
Environment Science and Technology recently published a study that shows that the average American house contains 20 banned substances like PCB and DDT. PolyCarbonatedByphenols (PCBs) are ingredients in disinfectants, detergents and adhesives.
g) Organic Matte:r
Indoor air in also laden with fungi, molds, bacteria and other mi
Is Managed Hosting For You?
Many people move from a shared server to a dedicated server because they manage a high traffic website, and they think that the dedicated server will fix all of their current issues. After managing the site with the dedicated server most companies or individuals also realize that they have a need to outsource the management of their web server, and this is a service often called managed hosting.Managing a dedicated server can be easier because your transfer time is less and you have complete control over your website and server, but that is not all there is to it. When you have a dedicated server you will also have to deal with issues su
ns. The National Research Council reports that it is the second leading cause of lung cancer (15,000 to 20,000 deaths per year). Many people move from a shared server to a dedicated server because they manage a high traffic website, and they think that the dedicated server will fix all of their current issues. After managing the site with the dedicated server most companies or individuals also realize that they have a need to outsource the management of their web server, and this is a service often called managed hosting.Managing a dedicated server can be easier because your transfer time is less and you have complete control over your website and server, but that is not all there is to it. When you have a dedicated server you will also have to deal with issues su
c) Dust:
Researchers found that flame retardants (Polybrominated Diphenyl Ethers) in the dust in American homes are 10 times higher than anywhere in Europe. The Deca Brominated Diphenyl Ether form is especially toxic as it accumulates in the body. For that reason, it is a potent carcinogen. PBDEs are also found in carpets, drapers, auto interiors, hair dryers, computers and television sets.
d) Chloroform:
Chlorinated hot water in the kitchen sink, washing machine, dish water and shower can release chloroform, a known carcinogen
e) VOC’s:
Studies have repeatedly shown that computers release up to 47 chemicals in the form of gases, including toxic hydrocarbons from adhesives. In addition, engineered woods such as plywood, fiberboard and strand board contain adhesives that emit hydrocarbons.
f) Carcinogens:
Environment Science and Technology recently published a study that shows that the average American house contains 20 banned substances like PCB and DDT. PolyCarbonatedByphenols (PCBs) are ingredients in disinfectants, detergents and adhesives.
g) Organic Matte:r
Indoor air in also laden with fungi, molds, bacteria and other mi
WYSIWYG Versus Coding: HTML With A Purpose
After years of working with entrepreneurs who developed their first web site using an image-based editor, the new world of internet marketing has placed a stronger emphasis on web development that conforms to technical concerns such as search engine optimization and multi-browser compatibility.Wigging OutWYSIWYG (What You See Is What You Get, pronounced “whizzy wig”) web site editing programs can allow anyone to develop rich, full-feature web sites without a working knowledge of HTML (Hypertext Markup Language). Many of these programs feature a “drag and drop” user interface, accomplishing eye-catching web site development
nown carcinogenAfter years of working with entrepreneurs who developed their first web site using an image-based editor, the new world of internet marketing has placed a stronger emphasis on web development that conforms to technical concerns such as search engine optimization and multi-browser compatibility.Wigging OutWYSIWYG (What You See Is What You Get, pronounced “whizzy wig”) web site editing programs can allow anyone to develop rich, full-feature web sites without a working knowledge of HTML (Hypertext Markup Language). Many of these programs feature a “drag and drop” user interface, accomplishing eye-catching web site development
e) VOC’s:
Studies have repeatedly shown that computers release up to 47 chemicals in the form of gases, including toxic hydrocarbons from adhesives. In addition, engineered woods such as plywood, fiberboard and strand board contain adhesives that emit hydrocarbons.
f) Carcinogens:
Environment Science and Technology recently published a study that shows that the average American house contains 20 banned substances like PCB and DDT. PolyCarbonatedByphenols (PCBs) are ingredients in disinfectants, detergents and adhesives.
g) Organic Matte:r
Indoor air in also laden with fungi, molds, bacteria and other microbial contaminants from damp areas, stagnant waters, carpets and other fabric. Allergens from pet hair and pollen are present as well.
The list can be really long… Over the past 10 years poor indoor air quality has become one of the leading causes of disease in the United States. Since we spend 90% of our time indoors (according to the U.S. census) it is very important to understand that taking measures to reduce or eliminate indoor air pollution can dramatically increase quality of life. Here is a quick list of action steps:
• Eliminate or reduce chemical usage in your homes.
• Used ionized water and decloronation caps in your showers
• Use organic/ natural cleaners whenever possible
• When possible use natural wood
• Eliminate smoking
• Ensure adequate house ventilation
• Get an air purifier
Remember the solution to each problem starts with acknowledgement and the first small step.
DISCLAIMER: The information in this article is intended for educational purposes only. The author of this article is not a medically trained physician; therefore, any theories or suggestions put forward are intended to supplement and not replace the advice of medically or legally trained professionals. All matters concerning your health require medical supervision. Please ensure that you consult your doctor prior to adopting any suggestions put forward by the author, as well as about any condition that may require medical diagnosis or medical attention. The author is not responsible in any manner whatsoever for any injury sustained either directly or indirectly from information put forward in this article.
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