Monday, October 31, 2011

How To Avoid Stress Surrounding Car Transport Insurance

Many people do not realize that their insurance can cover your vehicle even when it is being shipped. When putting your car in the hands of a vehicle shipping company, you do not know what problems might happen in the future. To avoid the extra charges of repairs to damage picked up along the journey; double-check all of the Car Transport company's policies on damages.

The vehicles are normally covered by the auto transport companies themselves, should any scratches or dents occur on the delivery trip. As with any type of insurance, auto transport insurance has plenty of caveats. The complex world of auto transport insurance may be daunting, but the following guidelines should make the process less formidable.

Before you even choose a company to transport your vehicle, make sure that all of the companies have certificates of insurance. A well-respected company will gladly show you the necessary documents, which they have as it is a legal requirement. It may benefit you to ask certain questions about the insurance offered, like the parts of the vehicle that are protected, deductibles, and so forth.

The promises that the company gives must be verified and documented. The minor details are important, so make sure to get specifics from your agent. A good query would be about the need to notify the transport company when your vehicle is in transit.

Before tossing over the car keys, make sure to empty your car of any personal items. Insurance does not cover these possessions from loss or damage at all. Clearing the car before transport will prevent weight-related damage and interior damage.

Insurance doesn't cover damage caused by objects in the car during transit. Luckily there are a few other tricks when prepping your car for a long distance trip. An inspector will check your vehicle for existing damage when you leave the car at the shipping company.

It is imperative that you are present at this inspection. A useful tip is to take a photograph of your car before it is transported, in case damage is incurred. Likewise, when it arrives at your new place, the same process of examination will take place, but this time the focus shall be on inspecting for damage that may have occurred during transport.

It is important to conduct careful inspection and document any damage, scratches or dents on the Bill of Lading or the condition report before accepting the car. Start your car to make sure that there is no mechanical damage. Your camera is your best friend for documenting damage, particularly new damage.

The Bill of Lading is a very important document, as it allows you to note damage sustained in transit. Contact the company as quickly as possible, but don't forget to get the driver to counter-sign the document. Some damage will not be visible at night, so keep your flashlight close by.

The level of customer support is indicative of the auto shipper's reputation. The majority of business conforms to a set standard of professionalism. If you are unhappy with your treatment, file a formal complaint. You can avoid unnecessary drama and stress by being thorough and using the advice provided here.

Friday, October 28, 2011

Water Tanks and Clean Water In Developing Countries

Because many families cannot access safe water, they are at risk of getting disease that is linked to contaminated water. The rural areas of many countries have no access to clean water and sanitation. To add to the problem, people are not educated about managing water resources.

In Bangladesh, about half of the country’s 12 million tube wells are found to contain harmful levels of arsenic, simply because the tubes were not dug deep enough, at least 100 meters deep. The blame is squarely on the Bangladeshi government, who did not educate and supervise communities correctly. We can only imagine how many people were poisoned because of this mistake.

If you survive arsenic poisoning, you will still have to recover from significant injury. Globally, thousands of people still get poisoned from consuming poisoned water. Research suggests that 140 million people have been poisoned in 70 countries.

Such figures highlight the need to check water sources in order to avoid injury and death. Plumbing systems, pipes and reservoirs must be checked regularly. In developing countries, millions have been spent on related water projects.

While there may not be reported deaths due to water contamination in Bangladesh, the government should look into the matter before anything worse happens. Bangladesh has apparently received foreign aid in order to rectify the situation. It is worrying that nothing has been done thus far.

More severe cases have been reported in other parts of the world. In many developing nations, the combination of diarrhea from impure water and malnutrition is killing young children. All over the world, 90% of all deaths from water-related diarrhea occur in children who are too weak to resist the infection since they have not been eating enough.

769 000 African children under the age of 5 died from water-related diarrhea between 2000 and 2003. The majority of these deaths could be avoided if one clean water tank had been erected in the affected areas. To put things into perspective, only 700 children under 5 died from these sicknesses between 2000 and 2003.

If clean water supplies are introduced, these figures will drop by up to 25%. In developed countries, drinking water is stored, treated, and distributed properly, thereby reducing cases of diarrhea by 39%. The ideal is that all countries follow this example.

Studies have shown that sewage is the main cause of contamination, which means that people end up drinking human fecal parasites. This revelation is difficult to accept Research in 2006 proved the link between water and death, when 1.1 billion people did not have clean water, and 1.8 people died of water-related illness.

Unnecessary deaths can be avoided by improving access to clean water. It is easy to prevent millions of deaths - all that needs to be done is to install cheap Water Tanks, filters and purifiers. Saving lives is easy - all a community needs is an efficient water system.

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Tuesday, October 11, 2011

Payday Loans Are Not A Solution

Sometimes when money is an issue, a payday loan can save the day. The most common reason is that borrowers can get a hold of money in a fast and easy way. For those who simply cannot wait for money, payday loans are the fastest.

Payday loans are also very easy to qualify for. It is easy to apply for a payday loan online, but some people's applications are still rejected. The central problem seems to be application approval.

According to many lending companies, credit history is not an issue. Do not believe lending companies that promise guaranteed loan approval Luckily, there are a few things to do to avoid delays when it comes to application approval.

The worst thing you can do is to fill up several applications on different sites to be able to get a payday loan. It is a natural fact that people would fill out several different applications in case they get rejected at a specific site. Handing in more than one application will lead to lenders to be skeptical about you.

Most people do not understand that sticking to one company increases the chances of getting an approved application rather than applying to several different ones. It is imperative that you stick to one company, as multiple applications will be rejected. If you want to do things correctly, research your options and then stick with your chosen company.

Obviously, your application can only be approved if the documents are completed correctly. Try to be as accurate and honest on your form, so that approval is more likely. Lending companies have stringent verification procedures, so lying will not achieve anything.

It is but impossible for the lender to not accomplish some kind of credit check on the borrower before approving an application. The majority of lending companies check for outstanding credit bills or defaults. There is a myth that payday lenders do not check credit, when in actual fact they are actually just less strict than traditional lenders.

Don't be fooled that getting a payday loan is a simple transaction. Apart from application difficulties, you will still have to pay the loan back. Don't be fooled - approval is just the beginning.

You need to be able to repay the money that you borrow. Standard charges and interest rates are not applied by all lending companies. You need to be aware of high interest rates so that you can plan your finances accordingly.

Getting a payday loan can be risky, so make sure you understand all of the consequences and terms. A payday loan is a quick fix and will not help you to solve serious money issues. Payday loans are risky, so think carefully before you apply.

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