The convenience of plastic money or credit cards is undeniable. People carry them wherever they go because they're a safer way to make purchases. These great financing tools however can create trouble when not used with caution. Millions of consumers all over the world find themselves stuck with huge credit card debt.The reason? Uncontrolled credit card spending. In some cases Rico Gathers Cowboys Jersey , the only way to straighten out the problem is through debt consolidation. Since the problem begins with missed or delayed credit card payments, consolidating credit cards and other types of debt could be the most effective solution. Through consolidation, an individual will only be paying a single interest rate instead of several interest rates from each of his creditors. By cutting back the amount of interest rate he pays, a consumer can save significantly on his debts. In addition, the debt consolidation company could give a lower rate of interest as this is what their service is about. Another advantage of getting debt consolidation is that the borrower can obtain new repayment options. The credit consolidation company would make arrangements with the client's creditors to come with a better payment term. The borrower can take advantage of the new payment terms so he can get out from under his debts easier. Not An Easy Way Out From Under Debt. What every borrower should know is that by joining a debt consolidation program doesn't always mean an easy way out of your debts. As the borrower, you are still responsible for the debts you owe and it would require determination and effort on your part in order to make the consolidation program work for you. The first thing you need to do is to know exactly how much you owe from different creditors. Get a copy of your credit report to be sure that there are no incorrect charges in your account. You would need to do some of your own research in finding the right debt consolidation company to help you. Do not submit a lot of applications to different consolidation companies without doing research. Use the internet to find out about their rates and conditions. Call each company and make inquiries about their debt consolidation program. Remember to choose cautiously as you don't want to get involved with a predatory consolidation company. The Importance of Commitment. One important thing to remember is that once you've entered into a debt consolidation program, you would have to be committed in making your monthly payments to your consolidation company. You can't afford to delay or miss another payment because you're already given a consolidated repayment term at a lower interest. Thus, do all you can to keep up with your debts? It would mean not using your credit cards for new purchases for a while, cutting back on your expenses, getting a second job to be able to make payments. If you think that the problem is in your spending habits, then don't hesitate to seek help from a reputable, trustworthy credit counseling service. Recognize the problem and be willing to make some changes before it's too late. By Morten Olesen
Loose lips aren’t the only things that will sink ships. Poorly fitted joints that aren’t properly sealed will do the job as well. That’s why one of the most vital tasks with any boatbuilding project is gluing. It also happens to be one of the most complex.
Epoxy is a very unforgiving substance used to secure joints that hardens quickly. Once it moves past the phase where it is pliable and workable, it is all but impossible to remove. The only “do overs“ with epoxy are in the form of scraping the joint and starting again from scratch.
Because of this fact, you’ll want to follow these tips for getting every joint done right the first time.
If you’ve ever seen dried epoxy, you can just imagine how difficult it would be to try and remove it from a piece of wood. Now imagine attempting to get if off the skin on your hand or arm. Likewise, the sanding dust that comes from some epoxies can be dangerous if inhaled.
In order to work safely, be sure you have the following on hand or nearby at all times when working with epoxy.
• Rubber gloves to wear during the process • Cleaning solvent made for the typebrand of epoxy you’re working with • Warm, soapy water • Mask to help you avoid inhaling epoxy dust
Depending on the typebrand of epoxy you use, it could completely cure within five to 60 minutes. Read the label of your product for more exact times. Some specialty epoxies are made that cure more slowly in hot climates. If this applies to you, be sure to ask the representative if she sells tropical epoxy.
Practice Makes Perfect
Using a few scraps of wood, do a test run or two. This way you can actually get the feel for the epoxy you’re using before you make a permanent commitment. Cure times vary with the mixing formula, temperature and many other variables. All of these cause the behavior of the epoxy to be particular to your work environment. Conducting a trial will allow you to experiment before applying the glue to your boat.
Prep and Fit
Once you’re ready to move forward, take time to do the necessary prep work. The surfaces of your boat that you plan to bond should be free of grease, oil, wax, mold and dust. Clean the surfaces thoroughly before you apply epoxy.
In order for the epoxy to adhere, the surface must be completely dry. If you’ve used liquid solvents to clean your boat, you can allow them to air dry or use a blow dryer or hot air gun to speed the process.
Lastly, sand the surfaces as smooth as possible. There should be no flaking, cracking, blistering, old paint or stain, etc. on the wood. Be sure and remove all dust after sanding.