Debt Collection

If you’re being sued by a creditor or debt collection agency, don’t ignore the problem. In many cases, these institutions don’t have the right to sue you and simply knowing your rights could put an end to the problem.

Are you behind on your credit card payments, your home mortgage, a personal loan or other debt? If so, you may be contacted by the creditor or a debt collection agency acting on the creditor’s behalf. While the law does not prohibit reasonable attempts to collect legitimate debts, both state and federal laws protect you from abusive debt collection practices.

    What types of debt collection practices are prohibited?

    Vermont law prohibits the following practices regardless of whether the debt is being collected by the creditor, an attorney or a third-party collection agency.

    • Threats. Debt collectors may not threaten action that they will not or cannot take.
    • Harassment. Debt collectors may not harass, oppress, or abuse anyone.
    • Unreasonable publication. The law prohibits a debt collector from notifying other people about your debt.
    • Deceptive Representations. Debt collectors may not engage in deception in attempting to collect a debt.
    • Unconscionable Means. Debt collectors may not use unconscionable methods to collect a debt.

    For example, debt collectors may:

    • not misrepresent who they are or who they work for.
    • not falsely imply the amount of the debt or any legal action that can be taken.
    • only contact you between 8:00 a.m. and 9:00 p.m.
    • not continually call your phone or harass you. During a phone call, a debt collector must identify him/herself and may not threaten violence against you or your family or use profane language.
    • only contact you at work if he or she cannot reach you at home in between 8:00 a.m. and 9:00 p.m.
    • not call you more than one time a week at work and must stop calling you at work if you tell the debt collector not to contact you at work.

     

    Read more: https://www.uvm.edu/consumer/?Page=dcr.html

    Shower Stalls for your Bathroom

    Image result for shower stalls
    (C) Rona.ca

    Bathroom shower stalls have been well-known fixtures in our houses nowadays as most really have active days to even spend time on the bathtub. Today, it is just mostly about turning on the shower and acquiring a quick splash. These stalls are also known as shower enclosures and serve as cubicles with a shower mounted on them that happen to be large enough to even support two persons inside. They do not require a lot space and it may certainly fit in any area of your bathroom.

    a) It protects from further damage
    Open showers are a best recipe for water or vapor to flee onto ceilings and walls. Over time, this leads to development of mildew and mold that’s bad for the walls and to your health as well. The vapor may also find itself in to the wood present in the structure, which can weaken the bathroom.

    b) You can get creative!
    Shower stalls usually fit in the corner areas of the bathroom and may even create a cozy feel for the room. They will really add sleek to its total look. You may also decide to have its walls opaque so that another person can continue to utilize the rest of the bathroom even as you take your shower.

    Shower stalls also make it possible for you to have a steam shower. With a steam shower you’re practically turning your shower to your personal spa. The steam could fill the enclosure, basically becoming a sauna. Saunas not simply assist you to shed weight but they also allow you to detoxify and clear your pores.

    These days there are several brands like Lowes, Aqua Glass, Lasco, Home Depot from where you can choose one. Nevertheless, whatever brand you choose be sure that is an attractive one and helps you enjoy your bath.

    c) Avoid messy floors
    These bathroom shower stalls also aid in making your shower look cleaner. Water can also end up all over your floors, causing a big mess or getting below your tiles and floor causing damage that can be expensive for fix. For this reason shower stalls are a must have for your bathroom. The enclosure will trap the water inside and force the water down the sink.

    d) It adds a touch of luxury
    A large number of modern prefabricated showers are produced from acrylic, fiberglass or tempered glass. Fiberglass and acrylic stalls have the advantage of having the capacity to patch them should they be scratched in one way or another. You may either do spot repairs or put in a liner to mask any damage. Liners are usually regarded as inferior to a replacement, or spot repairs, however they are less expensive than a full replacement.

    Now that you know the benefits of having a shower enclosure, hopefully you’re inspired to acquire one and enhance the conditions of your bathroom. The shower stalls of the past had been too expensive, but now they are so mainstream the cost comes down drastically. Choosing the right shower for you and your home, and buying your new enclosure been any easier thanks to the internet!

    Why You Need Professional Plumbers

    Image result for plumbing
    (c) plumbingtorontoinc.com

    In the case of handling plumbing troubles, it’s alright once you know the stuff you are up to., But why don’t we face the facts, half the time you are just guessing, and there are pros who take action for the living. They are the guys who’re trained to battle with gushing water pipes, overflowing toilets, and leaks that submerge areas. They’re not just there to fix and resolve your plumbing issues on emergencies but more they be sure that these issues won’t happen again. Or at least on a very, very long period of time.

    There are times that aid of professional plumber is usually neglected or not even considered.in different places. Instead, people assume that they are able to solve it in their own and grab any tool they’ve got and do repairs on their own. However, it sometimes worsen the problem and leads them to calling a professional plumber. It’s fact better that once plumbing issues occur, call immediately a plumber in order that it won’t cause any further damage and lesser fee.

    When confronted with what seems like a basic plumbing problem, some people think they can do a job comparable to professional plumbers.. Many people will grab instruction manuals on how to solve a leak and half-guess their way into fixing it. By just reading manuals and instructions, they probably think they could be a plumber. Now, it’s pretty obvious that a more effective solution is to simply call a professional, insured, professional plumber in the area.

    Addressing commercial and residential issues are performed by expert professional that’s why they are really important. They arrive prepared with tools and knowledge. Licenses and certifications are required in some places for plumbing works and solutions. Selecting a reliable organization is really difficult because there are already a lot certified ones or worse those who are claiming so. But not very many, if none compares with the experience and knowledge under the belts of those at Plumbers with licenses.

    Contracting a expert and certified plumbers Is important since these company give assurance in their activity These guarantees ensure that should accidents or property damages occur, they will handle them in a professional and timely manner. Individuals who do their own plumbing might end up spending much more repairs because of their foolhardiness. Plumbers should stick to the strictest safety tips to ensure that your plumbing projects are finished with no complications.

    Try not to be a plumber reading a manual, avoid being a plumber who might end up damaging over fixing. The value of professional plumbing services is extremely obvious. They’re well-trained and hey possess the necessary tools to give efficient and timely service, and they are doing

    The 7 Best Family Holiday Destinations in Asia!

    Work and other obligations can limit your time with your family. That is why it makes a lot of sense to plan a nice family vacation together with your spouse and kids and spend quality time together especially this Christmas season.

     

    So you want to take a family holiday in Asia? Great choice! Asia is awesome for families. There is so much to discover and experience, and mostly at a very good price! We love travelling and living in Asia from the beautiful food in Penang to the beautiful villas in bali to the adventure in the Phillipines.

    However, if you are anything like us, choosing a specific destination in Asia is hard! There are so many great family holiday destinations. We love it here in Malaysia, but we have also loved it with kids in Bali, Singapore, Thailand, Taiwan and the Phillippines – and I am sure this list will grow as we travel to more Asian destinations as a family.

    best family holiday destinations in asia

    To help make the choice easier, I asked some of my family travel blogging buddies to help you decide! Here are their choices for where you should book your next Asian family vacation…

    Malaysia

    S checks out Suria and Petronas Towers

    S checks out Suria and Petronas Towers

    What’s better than introducing your little global citizen to a foreign country? Showing them one that’s a mix of different cultures all living and working together harmoniously. Malaysia is a centuries-old combination of Malay, Chinese, Indian, and British traditions. The kids can simultaneously watch incense waft up from the front of a Chinese temple, hear the call to prayer from the mosque down the street, and smell the inviting aroma of Indian food from the cart on the corner. It’s like visiting multiple countries all at one time.

    Malaysia appeals to the adventurous explorer in kids. Trek the jungle in search of the distinctive Rafflesia flower which can grow up to 100 cm wide and is famous for smelling like rotten meat. In Malaysian Borneo, come face-to-face with semi-wild orangutans in rehabilitation sanctuaries or cruise rivers in search of endangered proboscis monkeys and river dolphins. Visit cultural villages to learn about now-forbidden tribal ways like headhunting, and let the kids try out how well they do with a blow dart. In Kuala Lumpur, climb 272 steps to the Hindu temple built high up inside Batu Caves.

    Children who enjoy modern sights will want to head up to the Skybridge of the Petronas Towers, the tallest twin towers in the world. If that isn’t enough, spend a day or two at LEGOLAND Malaysia, just across the border from Singapore. The water park, themed hotel, and amusement park rides will undoubtedly keep them entertained. Make sure to leave time to wander through Miniland Asia with models of everything from China’s Forbidden City to Cambodia’s Angkor Wat, all built out of LEGOs. With a visit to Malaysia, your kids will feel like they’ve travelled to more than just one country.

    Contributed by Michele Chan-Thomson, Malaysian Meanders

     

    Hong Kong

    Hong Kong Disneyland

    Hong Kong Disneyland

    I think Hong Kong is the best Asian city to take kids. My reason for this is that transport is fantastic and it is very easy to get around. The MTR (train system) is user friendly and you can get everywhere you want to go. Octopus Cards for this service can be purchased at the airport and any money will be refunded when you leave.

    English is widely spoken and understood in Hong Kong. You will always find someone that understands and is able to help. The locals love western children and go out of their way to make the kids feel welcome. Feeding the fussiest kids is also easy in Hong Kong. There are plenty of places to eat including all the western take away outlets we are used to and my kids ate traditional Chinese dumplings at least once a day. There is no issues with food – you are able to eat anywhere unlike a lot of other Asian countries.

     

     

    See more: http://www.wheressharon.com/asia-with-kids/best-family-holiday-destination-in-asia/

    Plumbing Fixtures Upgrade

    Image result for plumbing fixture

    Do you find your residence’ plumbing fixtures not exciting anymore? You may modify the beauty of your home and give it a whole new appearance by taking into consideration different options of enhancing plumbing fixtures. It might be a shock how a minor alternation in plumbing fixtures can revamp that kitchen or bathroom and even the basement. If you want to carry out a minor or major change in your plumbing, look into the following tips below;

    • Choosing a Plumbing Fixture Design
    There are three basic kinds of designs you can choose from with regards to transforming your plumbing. They are the traditional, formal and temporary. Wherein each variety gives different look on your plumbing. There are actually these styles of simple lines which give a room classy and sophisticated appearance. To obtain a more traditional style you can actually upgrade to something which includes fluting. You will find hundreds of unique faucet handles to choose from.

    • Surface Texture
    Brass often is the base metal used within nearly all faucets for plumbing. Concord consumers can change things up slightly by adding selection of surface finishes. For bathrooms and kitchens, a cheap alternative is the chrome. Colored enamel finishes can also alter the appearance of the chrome look For a more sophisticated appearance, make use of the nickel finish since you choose from a brushed finish look or the polished one. If you aren’t happy with nickel, you might like to choose stainless steel. Stainless steel can also bring polished or brushed finishes which can be a substitute for nickel.

    • Plumbing Use
    The most important thing that a homeowner or a business to bear in mind in plumbing improvement is its purpose or functionality. The design and style or the finish are just second priorities. If it won’t function its purpose, the design and appearance of plumbing doesn’t seem sensible by any means.

    As an illustration, in picking a sink for your kitchen plumbing, Concord residents must ensure that it’s equipped to handle the lifestyle they have. This basically means, when you have a large family, and prepare a lot of food at home, your kitchen sink needs to be sufficient enough and deep enough to allow whatever you need to do to prepare your food.

    As a summary, the objective of the plumbing fixture must be the most important concern when modifying your plumbing fixture. It is very nice to give a brand new look on the plumbing fixture however, always take them as a second consideration. At all times make the functionality the # 1 concern!

    Advantages of Copper Cookware

    (c) http://cookwithtina.com/

    Why must one pick copper cookware? Well copper cookware happens to have several unique advantages with regards to cooking a superb meal. It’s been known for ages, and will remain popular because of its unique benefits. It is trusted by certain industrial sectors. Copper is malleable and ductile. This is the reason why many companies chose copper to be used in kitchen wares. It really is popular among chefs and culinary experts. Copper cookware has become popular amongst professionals due to its stylish look. Pots and pans have a distinct appeal of elegance.

    Appearance

    Copper’s complete red body makes its appearance very appealing. A lot of owners use their cookware in an effort to add personality and color to their kitchen. Some hang their cookware set on a hanging pot rack which is usually found above a kitchen island. Other people, which don’t possess a kitchen island, show their own from a mounted wall rack.

    Distribution of Heat

    Copper has excellent heat conductivity. Copper distributes heat better than aluminum. Its conductivity is ten times higher than glass or stainless steel. It rapidly responds to temperature changes when compared with other metals. The heat and cooking is being reduced when utilizing copper cookware. Also it doesn’t take long to prepare food in copper cookware than other types, minimizing the amount of burn spots that are unfortunately seen on non-copper cookware.

    Minimum Upkeep

    One of the leading benefits of copper cookware items is that they are really easy to clean and have an old world charm on them, which cannot be said of other kinds of cookware. It’s easier to maintain and clean in comparison to many other materials. Although shiny copper seems to be remarkable, there are numerous people who prefer the aged look of scratched copper. Some models of copper high end cookware have a brushed look to them, which saves the person from the time it takes to polish.

    When you have decided to buy a set of copper cookware, you need to identify where you will buy it. There are two primary options: locally or on the internet. If you wish to examine the actual appearance of the cookware you intend to buy, it is recommended to go to a store near your area. It’s also possible to bargain or seek advice from the sales representative about some tips for your needs..

    The online marketplace is a good location to locate competitive pricing but you can find slight hidden fees to deal with as well. These kinds of fees are handling and shipping. On the internet the only real guarantee one has is they can buy something. There’s no guarantee it’s going to arrive or will even be what they thought they were buying. Nonetheless, these problems could be dealt with easily by a little research into an online company

    The Benefits of Trampolining

    A trampoline is a great tool which can be used both for fun and fitness. Be fit with trampoline!

     

    There are so many benefits to trampolining; it’s a wonder not everybody is involved in bouncing back to health. Jesting aside it really is a great and fun way to get fit and it has lots of other benefits too.
    One of the lesser known but more popular facts is that studies have shown that the activity of trampolining is one of the most beneficial methods to genuinely reduce cellulite. YourDoc comments: See the separate article on cellulite if you want to know more.
    So, surprising as it sounds, trampolining is a form of exercise which is better for you than running and many other forms of exercise and it can also be done in your own home.  Before you mums and dads rush out into the garden to your children’s trampoline – you can use this or there are specially designed mini trampolines or rebounders which you can also buy and you do not need to share with your four and seven year olds.

    Jogging versus bouncing?

    Many people do not enjoy jogging or running. Too often we see people on the street with long, pained faces, struggling to find the enthusiasm to negotiate traffic and road works to get healthy by putting one foot in front of the other. It is therefore possible to enjoy the same benefits and more, by putting those feet together!

    The main disadvantage of jogging is the physical stress on lower limbs and feet. “G” forces at work are incredible and can actually QUADRUPLE a jogger’s weight factor. For example, a 150 pound person while jogging can exert as much as 600 pounds downward pressure on weight-bearing joints each time a foot hits the ground.(4)
    Using the trampoline takes up to 80% off the stress of your weight-bearing joints. Using a trampoline is a wonderful option for seniors, physically-challenged, those recuperating from accidents or injuries. It’s also excellent exercise for those who have been sedentary and are starting an exercise programme. (4)

    What are the specific benefits?

    With trampolining, the springs take away all the impact of the road, and as a result, the activity has been shown in test to be three times more beneficial to you than running (2). So a ten minute bounce is the same as a half hour run!
    See for yourself by looking up the wealth of information available at numerous websites dedicated to the benefits of trampolining and rebound. (See references and links at the end of this article)
    Rebounder or trampoline exercise has many important health benefits as follows:
    Stimulates your metabolism.
    Increases oxygen capacity.
    Improves your sense of balance.
    Increases oxygen circulation to tissues.
    Improves the circulation of the lymph through the lymph glands
    Strengthens the heart (Cardiovascular health)
    Increases energy and sense of vitality
    Firms and tones the muscles

    Most of all though it makes you smile, laugh and is great FUN! This has proven health benefits in itself as it generally means that you keep doing it if you enjoy it.
    Trampolining is a great holistic …

     

    Read more: http://www.springfit.org/activities/trampolining/benefits-of-trampolining/

    Leaking Roofs

    (c) rooflife-oregon.com

    When you possess a home with an aged roof, the chances are at some point you have come home to water dripping from your ceiling, skylight, or fixtures. The sound of dripping water at the rear of your walls can be another sign of a roof leak. Leaking roofs are a very common condition identified in house inspections.

    What are the most typical roof leak causes? Listed here are a few examples.

    Flashing
    It is a thin strip of metal that is used to hide the seam on the roof is called a flashing. Oftentimes, the leaks start out when there the flashing is corroded or broken. At the points of penetration of the vents and flues, flashing is present. Bad flashings are usually the cause for a roof leak. When possible, examine flashings and the chimney area for any indications of a problem. Moreover, check any points of which an antenna or satellite dish connects in the home.

    Weather Exposure
    Your roof gets no break from the elements; it’s on duty safeguarding your house. 24-7 and for all four seasons your roof sits. Roofing paper could be dried out in sun. The sun also can cause the tar to running and sagging, these effects deteriorate your roof. It could continue to crack and split as it becomes more brittle. Moreover, the windblown rain can cause serious problems. Angled rain gets pushed underneath your roof coverings causing water to get where you don’t want it.

    Blocked Gutters
    Blocked gutters are another issue that generally results in roof leakages. Regular maintenance could prevent blocked gutters from becoming a problem so avoiding leakages. Prior to rainy or snowy seasons ensure you clear leaves and debris from the gutters to allow correct drainage from the roof.

    Discussed are a number of the main reasons why your roof could start leaking apart from having a hole in it. One must always be aware that I recommend you seek advice from a trusted professional as roofing is one of the most essential areas of the house and it is what keeps your household dry and warm at night. A Restoration can be a fantastic way to decrease the possibility of leaks and ought to extend the life of your roof by 15 to 20 years. A restoration will address all the issues mentioned above and give you existing roof a spectacular face lift. With the growth of latest technology when it comes to paints and coating the standard of products has improved significantly over the past years.

    Which Alarm System Is Ideal For You?

    Security alarm systems in the home can’t provide you with a 100% guarantee that your house is secure from burglary or break-ins. Yet, these alarm systems may possibly boost the likelihood that a thief or intruder will change his mind if he’s aware that your home has a security system set up. Having these around will definitely provide your family with an added sense of protection. As a matter of fact, it has been verified that houses which are armed with alarms are significantly less prone to getting robbed.

    There are actually a number of kinds of alarm systems available out there. They utilize different technologies for detecting various disturbances that can offer you a lot of choices to pick from. Many of these are fully able to detecting trespassers by using detectors.

    There are 3 primary types of unmonitored home alarm systems and they are the Auto Dialer, the Voice Alert and the Siren Alarm.

    • Auto Dialer Alarm – The Alarm utilizes an infrared system which happens to be very unique; because it detects motion in the specific area. The moment it picks up movement, an alarm will sound at a whopping 105db and 5 telephone numbers set by you will receive calls. 105db is similar to the sound of a jackhammer, a helicopter or a subway train. That type of noise is not going to go unnoticed. The unit then calls up to 5 pre-selected telephone numbers in order till somebody answers. These can be your number, trusted friends or the police.

    • The Voice Alert Alarm – This kind of system will be sending a pre-programmed message to the base inside of the home. Thus you could fit the sensors in your driveway and near any possible entry ways and assign a unique message for each and every zone. This way if someone is coming up to your backdoor you’ll have the Voice Alert system say “someone is approaching the back door”. You’ll be aware immediately where the burglar is at and can take proper counter measures from there.

    • Siren Alarm – A security system such as this may be hard-wired or wireless, with wireless units mounted at the range of up to 300-feet from its receiver or indicator box. A great distance between siren and received is usually better in clear or clear areas. A heavy-duty siren may sound an ear-shattering noise, often in the region of 80 – 120 db.

    An entire home alarm system will do far more then detect theft. It may save the life of you and your family. It offers peace of mind while you’re away from home, knowing you are protected against urgent matters. Take a look at your security options now.

    Tips in Interior Decorating

    (c) goodhousekeeping.com

    Interior design process practices a deliberate and synchronized method. Just like in houses, if you happen to go with the modern style, you need to know about basic element form of the style in order to carry it out correctly. In home designed in a modern theme, you’ll be able to immediately be struck with the clean lines and classy appearance of your surroundings.

    Below is a guideline that will assist you in developing a rewarding modern home. What you need to possess are the basic components of modern design.

    Minimalism

    In terms of modern home, you don’t need to go overboard whenever integrating decorations. Keep the walls a dark color or white and avoid intense painted walls. Avoid excess clutter on the walls, just like lots of picture frames or art. The intention is to keep away from clutter and to put less furniture trying to keep everything as simple yet stylish.

    While arranging for simplicity, then it refers to maximize the open space. Be sure the room get enough light comes through the window and you also use the transparent and airy window. Try and take into consideration creating spacious look by plain wall treatment, appropriate furniture also avoid clutter.

    Windows

    Many windows to get large amounts of natural sunlight into your property is one character of modern homes. The utilization of various sorts of windows, such as bay windows, garden windows, picture windows and single or double hung windows, with unique grids or v-grooves (etched) on the panes to deliver an extra layer of dimension. The option for fabric, patterns and prints on these drapes will also affect how deluxe and stylish the room can be

    Lighting

    Concentrate on lighting both artificial and natural light. Your house can not have too much light, therefore, the budget should allow for several light sources throughout the home, from one room to the next. Bear in mind one central ceiling-mounted light fixture just will not do, and instead, aim for six light sources per room. As to natural light, with all the developments in insulated windows right now, opt for a design that permits the sun shine in through numerous openings as you can. It’s also possible to opt to place high lamps or lighting with dichroic lamps in the ceiling. It will help you if you have modern decor with large windows that contain spaces.

    Make Your Own Choice

    Developing your own interiors isn’t easy, however with researching and guide from experts or friends may lead you to creating the modern home that you want. Just always remember that apart from the theme that you’ll want to achieve, comfort and usefulness must come first.