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Difference Between Payday and Personal Loans in the UK

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DEFINITION OF PERSONAL AND PAYDAY LOANS

Most people feel that payday loans and personal loans are one and the same thing, but this is not at all true. They may seem similar, but they have many big differences which set the two options at opposite poles. One should consider the credit and the amount one needs to borrow to know what one qualifies for before one applies for it.

Personal and payday loans are both useful when one requires an extra boost in finances, but this is the only similarity between them. The factors that vary are the term, cost and the amount among other different finances.

DIFFERENTIATING FACTORS

The loan amount also differs when it comes to a comparison between the two. Most banks in the UK do not lend less than 1000 pounds for a 12 month period in case of personal loans.

When it comes to cost comparison, personal ones are considerably cheaper with a maximum APR of 29.9% but one needs to have good and excellent credit. Payday loans can be usually more expensive, but it does not require any strict credit requirement.

When it comes to loan term, personal loans offer around 5 years maximum as the loan tenure. Payday have a shorter term of around two to maybe four weeks that can go upto 12 months.

When it comes to eligibility, personal loans which are offered by credit unions and banks have very strict criteria for eligibility. They generally require borrowers to have a good credit along with a fairly strong financial background. Payday loans seem much more flexible in comparison as lenders only require that the borrowers have a proper and regular source of income for qualifying.

Personal loan lenders are online lenders, banks, peer to peer lenders and credit unions whereas payday loans are offered by those lenders who specialize in check cashing services and short term lending.

PAYDAY OR SHORT TERM LOANS

Payday loans, auto title loans and instalment loans have high fees and rates which could trap a person in a debt cycle. The person could be forced to take a second or even third loan just because they couldn’t pay the first one in the stipulated time limit. Alternatives to short term loans like local resources such as local charities, government agencies and non-profits offer relatively free services for financial needs and also help with rent, food and utilities for those people who are in dire need of it.

One can also get payment extensions by talking with the concerned bill providers regarding an extension or a longer time frame or payment plan if one is behind on his or her payments. One can also take side jobs to catch up on the payment.

COST FOR EACH OPTION

The payment cost varies when it comes to payday loans versus personal loans. The interest rate that you will receive along with the terms is based on the individual’s credit history and if one has collateral or not along with the amount you borrow and the stipulated loan term.

Payday loans whereas have APRs of three or four digits (100%-1000%). The actual total cost depends on the state of living of the borrower. APR represents the yearly cost which is important to note.

DECIDING THE RIGHT TYPE OF LOAN

Deciding whether to opt for a payday loan or a personal loan depends on the amount of money that the individual intends to borrow and it also depends on the person’s credit. If one needs to borrow around 50 pounds to 1000 pounds, he or she can opt for a short term loan as personal loans require the person to borrow a minimum of 1000 pounds to around 2000 pounds.

One must also consider the time factor. Short term loans offer faster times for the turnaround when compared to personal loans as it involves less approval process. Nowadays, more and more personal loan providers are shifting online hence they have almost the same processing speeds similar to short term loans like payday loans.

Credit history is also an important factor. If the borrower has excellent credit scores, they are more likely to save money by obtaining a personal loan at lower interest when compared to a payday loan which will be available at higher cost.

The total cost of the loan depends on the borrower’s monthly payments and also depends on the total amount to be repaid which depends mostly on the interest rate. One should always compare and consider various different options and check on online calculators offered by the lender to see which mode of loan is best suitable for your needs and how much one will need to repay.

ALTERNATIVES AVAILABLE

There are many alternative options available to personal loans and payday loans which can be beneficial to the borrower. One can borrow a small sum or amount of money without the need for the borrower taking on a payday loan.

Another short term loan is an installment loan in which the borrower repays the amount in a single lump sum. Thus, personal loans and payday loans for bad credit can be beneficial only when one carefully examines which loan type is best suited for his or her needs.

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Source by Shalini M

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How to Calculate Your Light Savings From Replacing Incandescent Bulbs

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The news about money and light savings by replacing old bulbs is old news (unless you have been living under a rock). But the topic of light savings is not overdone yet. Suppose every household in the US would switch to high-efficiency light bulbs (such as compact fluorescent bulbs). This would reduce the nation’s energy consumption by 10% in the residential sector. The residential sector, by the way, accounts for about 20% of all the energy use in the US. That’s a lot of oil.

Still not sure about switching to high-efficiency light bulbs? Don’t buy the hype about light savings? Don’t believe the positive impacts on the pocketbook or the environment? Want to calculate and test the light savings for yourself? OK, let’s tackle the cost savings and simple payback below. (Simple payback refers to the amount of time it takes for you to make back the cost of the new bulbs from the savings).

To calculate the bottom line, here is the information needed:

  • The wattage rating (watts) of the existing bulb
  • The wattage rating (watts) of the new bulb
  • The number of hours we use the bulb every day
  • The rate we pay for electricity in kilowatt-hours or kWh. You can find your electric rate by looking at the electricity portion of your utility bill.
  • One kilowatt is 1,000 watts, so we must remember to divide our answer by 1,000 to convert it to kilowatt-hours
  • The cost of the original bulb
  • The cost of the new bulb

As an example, let’s swap out a highly used light bulb in a fixture in a living room that is on continuously for 5 hours per day. The fixture has one 100 Watt incandescent bulb which costs $050. It is to be replaced with one 25 Watt compact fluorescent or CFL (provides the equivalent brightness of the incandescent), costing $2.50. Let’s assume $0.15 per Kilowatt Hour (kWh) for electricity rate, the national average in the US.

To calculate the cost savings, first calculate the energy usage of the existing bulb, then that of the replacement bulb. Hopefully, the replacement bulb energy use will be less than the existing bulb’s. The difference between the existing and the new is the savings. Here is the formula to calculate the cost of energy used per year:

Yearly Cost of Energy ($) = number of bulbs X watts per bulb/1,000 watts X hours of use per day X 365 days X electric rate

So, for our example:

Cost of Energy for existing bulb ($) = 1 bulb X 100 watts X 5 hours per day X 365 days X $0.15 per kWh/1,000 watts = $ 27.38 per year

Cost of Energy for replacement bulb ($) = 1 bulb X 25 watts X 5 hours per day X 365 days X $0.15 per kWh/1000 watts = $ 6.84 per year

Savings per year ($) = $ 27.38 – $ 6.84 = $20.54

Here is how to calculate the simple payback in years:

Simple Payback (Yrs): ( Cost of new bulb ($) – Cost of old bulb ($) ) / yearly savings ($)

For our example, the simple payback is:

Simple Payback (Yrs) = ($2.50 – $0.5) /$20.54 = 0.1 years or 1.2 months

That is not a bad return on investment for light savings. An average house has about 15-20 light bulbs. If all of them were the same as the example above, that would result in a savings of about $411 per year. You can use the same method to calculate the savings for each room in your house, and add up all the room savings to get a total of your yearly savings.

You can check your savings by monitoring your utility bills from month to month, provided that your rates stay the same and you do not change the hours of operation on the bulb. Even with proven savings, there still seem to be objections to replacing incandescent bulbs with compact fluorescent lights (or CFLs), or light emitting diodes (or LEDs), otherwise, this would be a “done deal”.

LEDs provide even greater savings (light savings of 90%), and longer lifespans (25,000-50,000 hours) and will be the dominant technology of the intermediate future. They are also more environmentally friendly to produce, and are less susceptible to breakage or moisture. But at this point, their major drawbacks are their high price and lower light output (or lumens) as compared to incandescent bulbs. The technology is advancing very rapidly though, and once prices drop to reasonable levels, these issues will be a passing memory.

CFLs, on the other hand, are much more accessible and affordable, and have come a long way in closely matching the light output and utility of incandescent bulbs. A repeated complaint about them is that CFLs need to warm up to reach full brightness, but that is typically on the order of seconds to a minute for specialized bulbs. They are also affected by moisture and humidity.

While the cost of CFLs is still higher than a $0.50 incandescent bulb, the prices have come down to affordable levels for replacements, typically on the order of $1.50-$4.50 per bulb, depending on the type. The average lifespan of CFLs is 8,000 hours (or roughly five years at four hours per day of usage), whereas incandescent bulbs are rated for 800-1,200 hours. One thing is worth noting for light savings calculations. The lifespan of CFLs decreases if they are of switched on and off frequently. If you plan on installing them in areas where they will be switched often, then lower their lifespan by 20% to 6,400 hours.

What about the mercury in CFLs? The amount of mercury in a CFL is 5 mg or about 1/100th of the amount of mercury in one tooth filling (500 mg in tooth filling). Even more to the point, the mercury used by a power plant to manufacture an incandescent bulb is 10 mg, whereas for a compact fluorescent it is roughly 2.5 mg. None-the-less, broken bulbs must be handled with care and burnt bulbs should be disposed of at home centers such as Home Depot and Ikea.

No matter how we look at it, light savings from replacing incandescents is one of the easiest and cheapest methods of incorporating energy efficiency and deriving home energy savings. Many countries have started to systematically phase out the production of incandescent bulbs. The economics is there, and the environmental benefits will only improve as technology advances.

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Source by Lina Kohandoust

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Improving Your Computer’s Performance – How It’s Done

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Mostly, people are inclined towards expensive software to optimize their machine which most of the time create more problems. I will tell you about some of the basic tips to make your windows running smoothly without going more complex.

1) First of all, you don’t need to download any expensive software like “System mechanic”, “Avg Tuneup” etc to optimize your windows as they most of the time create more trouble rather than doing what they should do. So, try avoiding this software and look for the free alternatives.

2) Use the “Windows Disk Cleaner”. It is a simple and effective tool to clean the system and it does a fair job in doing what its name implies. The engineers of the Microsoft Windows are clever enough to make their “Windows Disk Cleaner” effective for their users. There are a variety of options to choose for cleaning the PC as required.

3) Use the “Windows Disk Defragmenter”. It looks very simple but, believe me, it will replace all your other defragmenter software. It also has an option for scheduling the time for defragmenting.

4) If you prefer a system cleaning software then “CCleaner” can be a good option for you. It is such a wonderful cleaning software and also includes a registry cleaner. Just use the free version and it will be sufficient for your whole system. The great feature of the “CCleaner” is that it has the option to let you find out about your startup programs in detail. You can turn off useless extensions of browsers, or disable scheduled tasks which take the precious memory of the system.

5) You can also use the “Defraggler” for defragging the system. It’s another great software from the same company of CCleaner “Piriform”. The best thing about this software is that it can make your system’s fragment almost zero. You can also confirm this by defragging from this software and then checking from the “Windows Disk Defragmenter”. Just click on the “Analyze” for checking. Aside from defragging effectively, it can also defrag locked system files. For using this, open the Defraggler and click on the settings. From there select the option “Boot Time Defrag” and there you can select the time when to perform.

Note: These tips are very basic, but they are effective. I personally follow these tips and my system is running smoothly. Also, these expensive cleaning software creates more problems. You may find this kind of software have a very good rating on reviewing websites like the “Top Ten Reviews” etc but have you see free software on their website. So, what this implies is that these kinds of reviewing websites charge a huge amount of money from the pricey software making companies and in turn rank them on top.

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Source by Khizar Ahmed

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What Is Brown Fat and Why Should You Care

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Do you realize that we have different types of fat in our bodies and they each have different properties? White fat, which is what tends to stretch your pants to their limits and spill over your waistband, stores energy. No surprise there. You also have some brown fat, which gets its color from its iron content. Brown fat also contains more mitochondria, which are known as “the powerhouse of the cell.” You can think of them as the “engines” in brown fat that burn calories and generate heat.

So while the white fat becomes insulation of sorts, the brown fat is active. Babies have a lot of brown fat. Most adults have varying amounts but not that much. Leaner people tend to have a greater amount of it than heavier people but whether that is genetic or not isn’t known.

According to one study, 15 minutes in the cold just could be the metabolic equivalent of an hour of exercise. Researchers, in this study, observed healthy men and women as they exercised in a 65°F lab. Later those same study participants lay on a bed as the temperature fell to 53°F. In both of those tests these people’s muscles contracted (they were shivering!), released the hormone irisin, which is produced in skeletal muscle. This hormone raises body heat and creates brown fat cells from existing white fat cells.

This finding puzzled the researchers. They speculated that since the ancient biological survival mechanism of shivering, which is prompted by cold, helps us maintain our core temperature, preventing hypothermia, perhaps it would stimulate irisin release. They designed tests to find out if shivering rather than exercise was the primary driver of irisin secretion. Turns out irisin is produced by muscle contractions. So whether by exercise or shivering, doesn’t really matter. Once it’s produced, it circulates through the blood changing white fat cells into brown ones.

What is encouraging about this information is that researchers found that the response to cold exposure can be activated even by very minimal changes in temperature. In this study they demonstrated that just by lowering the thermostat from 74°F to 68°F was sufficient to generate a measurable increase in energy expenditure. Thirty seconds of cold water on your upper back and neck after a hot shower, if you have no heart issues, is also a simple way to accomplish this.

Or perhaps just continue staying active and exercising, lower your thermostat just a little bit and get out in the brisk winter weather a little each day for a walk (properly dressed of course) to get the benefit of some colder air and hopefully some sunshine as well.

Another study found that curcumin, the active compound in turmeric, is capable of inducing browning of white fat cells. Besides its anti-inflammatory properties, this research indicates that curcumin seems to be an anti-obesity agent due to its ability to support brown fat as well as by reducing inflammation, which is implicated in obesity as well as diabetes and heart disease. This is a huge finding.

There are numerous ways you can add turmeric to your meals as well as taking it in supplement form or even drinking it as a tea, thereby taking advantage of its many benefits, including stimulating brown fat.

These are some simple ways to stimulate and support activation of your fat burning brown fat. Choose the method that is appropriate for you and in the process reap these health benefits.

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Source by Ann Musico

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Samsung Phone Covers

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Introduction

Samsung headquartered in Samsung Town, Seoul is a South Korean multinational conglomerate company. Most of the numerous subsidiaries and affiliates of Samsung are united under the Samsung brand, being the largest South Korean business conglomerate. In 1938, Lee Byung-chul founded Samsung as a trading company. The growth diversified into food processing, textiles, securities, retail and insurance areas in next three decades. In late 1960’s, Samsung entered electronics industry, followed by construction and shipbuilding industries in mid 1970’s.Samsung was separated into four business groups, after Lee’s death in 1987. The four business group of Samsung are: Samsung Group, CJ Group, Shinsegae Group and Hansol Group. Samsung particularly increased globalization in its activities and electronics since 1990. Its most important source of income is mobile phones and semiconductors.

Samsung Smartphones

A series of mobile computing devices designed, manufactured and marketed by Samsung Electronics, which is headquartered in Suwon, South Korea and is a South Korean multinational electronics company is Samsung Galaxy. Galaxy S series of high end smartphones, Galaxy Note series of tablets and phablets with the added stylus functionality, Galaxy Tab series of tablets and the first version of Galaxy Gear smartwatch, are included in the product line. Before the announcement of Samsung Galaxy TabPro S, the first Galaxy-branded Windows 10 device in CES 2016, Samsung Galaxy used Google produced Android operation system along with TouchWiz a custom user interface. Before September 2013, Samsung Galaxy model numbers started with GT-xxxx, whereas since September 2013 they started with SM-xxxx.

Samsung Phone Covers

Nowadays, mobile phones have become our daily necessity. Cases and covers are made to keep our mobile phones safe and sound from clumsy pin falls and greasy grips. Samsung, being one of the topmost brand in production of mobile phones and less expensive as compared to other topmost brands like Apple, people prefer to buy Samsung phones. They are also lightweight. So, it becomes necessary to buy phone covers to protect these phones from scratches. There different types of phone cases: Mobile Socks, are made of woolen or cotton and available in free sizes. Mobile Pouches, are usually made of leather, suede, synthetic leather, neoprene material thus offering good protection for the device. They even have holster, so that they can be clipped on a belt. Phone Skins, serve a distinct personality to your phone.They attach directly to the surface of the phone. They are made of vinyl products. They fit exactly to the body of the phone without interfering its functionality. Face Plates, are usually made of plastic and provide protection and decoration to the phone. Body Gloves, are usually made of thermoplastic polyurethane or soft gel and silicone. A Body Glove, does not allow the phone to slip away. Hybrid Cases, basic level comes of two parts, plastic casing and thick thermoplastic polyurethane rubber glove encasing the plastic skeletal.This protects the device from shocks, dust, water sprinkles or light showers.

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Source by Asma Akhtar

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Micro Controllers and Programmed Thermostats in Temperature Control Systems

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Compared to a common thermostat a programmed thermostat used in temperature control systems is far more efficient and cheaper as a result of reduced energy costs. A common thermostat is manual you have to manually turn an air conditioner on and off and also the heater. For a programmed thermostat it has memory chips and is computerized and it automatically maintains the temperature of a room. It can be programmed to have different set point temperatures for different times i.e. different temperature for morning, afternoon and weekends and it adjusts automatically. A temperature control system is wired to a heating and cooling system and uses linear, logic, on and off among other control systems.

On and off control systems are the cheapest and easiest to apply. They have a programmed thermostat and when temperature goes above the set point the air conditioner is automatically switched on. When temperature subsequently falls below the set point the air conditioner is switched off and the heater on. They are less costly to operate but have costs of wear and tear of temperature control valves. In linear control systems the set point is regulated by a control loop made up of control algorithms (PID variables.), sensors and actuators. The set point is regulated by manipulation of the Measuring variable (M.V.) to reduce the error and generate negative feedback. The control loop of the PID system makes use of feedback loops. These loops can be embedded by micro controllers in a computer system. Open loop systems do not make use of feedback. Logic control systems are constructed with micro controllers or programmable logic devices. They are easily designed but can handle complex systems. They are used to sequence mechanical operations in elevators, washing machines and other systems.

Watlow Company is involved in developing temperature control systems especially for plastic manufacturers. For industries whose operation requires highly engineered resins and tight tolerances, Watlow’s MI band heaters provide exceptional heat transfer, high watt densities and prolonged heater life. This band saves $ 0.04 per Kilowatt hour. Watlow also provides high watt density; high temperatures barrel heaters, cable heaters, power controllers, hot runner nozzle heaters and cartridge heaters. Watlow temperature controller systems also include temperature sensors. These thermocouple temperature sensors deliver precise and accurate temperature measurements. They are type J thermocouple sensors and are in high demand in the plastic industry. The MI strip heaters of Watlow have a high level of performance and durability. They are made by implanting a nickel chromium element wire in Watlow’s exclusive mineral insulation.

In a Vehicle there is a heating and air conditioning control system. It has a compressor clutch cycle for controlling the temperatures inside the car it also has automated temperature controls (ATC). When the temperatures are below ambient the ATC sensor produces a control signal which shuts off the compressor and places the system in heating mode. Finally Ray Stucker, Director of Tricools temperature control products once said that selecting the right temperature control systems can boast productivity and save energy and money. Take time to ensure you select the best systems.

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Source by Gavin Cruise

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Energy Efficient House Design Tips

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The year 2017, according to the Chinese Zodiac, is the year of the Fire Rooster. The Pantone color of the year is green. Despite green being the year’s color, do you know that there are other ways to atone your house to the idea of becoming green? One method is by making your house more energy-efficient. The rest of the article gives you some tips on how to align your house design towards energy efficiency.

  • Be wise with your choice – fans over lights!

Making your house cooler is a much more energy-efficient way than making it appear brighter. Achieve this by installing fans in each room rather than putting lights. During summer, you’ll see the great benefits.

  • Higher tag price isn’t always quality.

There are many fixtures you may want for your house. Browsing through the internet and looking at glossy home magazines will open your eyes to a lot of pricy and classy home fixtures. But do you know that quality does not mean expensive?

There are quality choices that will not burn you off much of your hard-earned money. For instance, cheaper bathroom and kitchen fixtures may have the same energy-efficient capacities than more expensive ones. The same principle applies to other household appliances.

  • Window coverings over more windows

Windows should be strategically placed in areas where the right amount of natural sunlight can enter. By this, you’re actually saving a lot of energy. You won’t be needing to turn of your fluorescents and lamps at an earlier time.

During the day, when you just want to have a darker setting, you just need the right curtains, drapes, or blinds to cover the window. This will also prove useful during winter months.

  • Install rugs and carpets.

The winter months can really give chilling effects to the skin. By these months, you’re on to wearing your thickest pieces of clothing. You’re also burning more woods in your fireplaces. But do you know that you can have a more efficient way of getting more heat inside your house? The secret lies with the proper choice of rugs and carpets on specific house parts. Aside from getting the house decorated, these home decor help trap warm air to give you a warmer feel.

  • Rethink of your ceiling – do you want it lower or higher?

Higher ceiling creates a more spacious look and feel. Lower ceiling gives you an easier way to heat or cool the house and cut your energy costs.

Are you seeking for an existing home which is energy-efficient? Don’t be afraid to contact your local real estate broker. Your choice might just be in his or her listings.

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Source by Desare A Kohn-Laski

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5 Tips to Consider Before You Buy a Garbage Truck

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If you are thinking of buying a garbage truck, you can make a lot of money as garbage collection is a profitable industry. Before you start, make sure you keep a few important things in mind. First of all, you need to find out if you want to buy a used or brand new garbage truck. If you want to get the best deal, we suggest that you follow the tips given in this article. Read on to find out more.

1. Decide on the Type of Truck

First of all, you should decide on the type of vehicle you want to go for. The reason is that there is a lot of variety of these vehicles. In other words, you can choose your desired vehicle to meet your needs. Based on the type of work you want to perform, you need a properly functioning vehicle.

For example, you can choose from roll-offs, recycling vehicles, front loaders, rear loaders, and side loaders. Make sure you create a shortlist of the type of vehicle you need to do the cleaning.

2. Consider the Lead Time

If you want to buy a new garbage truck, we suggest that you wait a couple of months before loading trucks. Typically, the lead time is 3 to 6 months. Based on the manufacturer, the lead time may vary. If you don’t want to wait several months, we suggest that you go for a used vehicle.

3. Consider the Service Records

To find out about the maintenance of the truck, we suggest that you ask the seller to show you the service records. If you are buying from a company, they will provide you with detailed service records. You can then check these documents to know about the maintenance and repairs. Therefore, it is important that you review the service records before buying your desired vehicle.

4. Contact a Refuse Centered Dealer

Although it may be tempting for you to buy a used garbage truck from just any dealer you come across, this is not the way to get the best deal. The problem is that common dealers are not qualified to check the equipment properly. Therefore, we suggest that you contact a dealer who handles refuse trucks to buy your desired garbage truck. They have the best staff for the proper evaluation of the truck you want to buy.

5. Find out about the Warranty

If you want to purchase a used garbage truck, we suggest that you check the warranty options. Typically, the warranty period doesn’t last more than a few years. In some cases, the warranty expires as soon as the ownership of the truck is transferred. Therefore, you may want to consider this point.

Long story short, purchasing a garbage truck is a great idea if you want to start your own garbage collection business. Ideally, you may want to buy a brand new garbage truck. But if you cannot afford a new one, you can always go for a used garbage truck.

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Source by Shalini M

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The HCFC Refrigerant Ban – Are You Ready?

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Background to the Refrigerant Ban

The HCFC refrigerant ban takes effect at different times but the end of 2009 and 2010 marks important milestones and you may need to take immediate action.

Initial legislation against ozone depleting substances arose from the Montreal Protocol, a globally agreed plan brokered by the industrialised nations. Although the EU is a signatory to the protocol, subsequent EU legislation has been much more vigorous in its approach to the phasing out of these substances.

In most cases, the refrigerants containing CFCs or HCFCs will become controlled waste, which will require appropriate disposal by a licensed contractor. There is a duty of care on behalf of the owner of the equipment from which the refrigerants are extracted.

Strategies for CFC Phase-Out (extract from Office Of Government Commerce)

1) Investigate the identity of your refrigerants; (CAU can assist in this regard and provide details of consultants who can prepare a sampling study and report for your property).

2) Adapt to the phase out by conserving stocks for the next year followed by conversion of machinery to non-CFC refrigerants. Industry recommendations state that conversion would probably not be cost effective in systems with less than 5 years residual life.

3) Buy new CFC-free equipment. An assessment should be undertaken before purchase to ensure that air conditioning is truly necessary, remembering that an air-conditioned building can consume up to three times the energy of a similar non air-conditioned building.

4) Do without air conditioning. If buildings can be ventilated and heated adequately using mechanical or natural ventilation, then this may be a pragmatic approach, which will also have space and cost saving benefits.

Terminology

ODP – Ozone Depleting Potential. Represented as a comparative measurement from the ODP of CFC11, which is taken to have a value of 1.0. CFC – chlorofluorocarbon. Containing chlorine and possessing a large ODP. CFCs are generally found in refrigeration and air conditioning systems eg. Centrifugal Chillers. HCFC – hydrochlorofluorocarbon. Less saturated with chlorine, the hydrogen within these compounds mean that HCFCs have a much shorter atmospheric life span and thus possess a lower ODP.

Important Dates

As from Midnight December 31st 2009 the use of virgin HCFC Refrigerants will be illegal.

The EU Ozone Regulation has already banned the use of CFC refrigerants in existing plants and HCFC refrigerants in new plants.

From 2010 banning the use of HCFC refrigerants in existing plants will commence, meaning that all HCFC refrigerants including R22 will be completely banned.

The use of Virgin HCFC’s will be banned from Midnight 31st December 2009. The use of Recycled HCFC’s will be banned from 31st December

2014. These ‘use’ bans apply to the use of HCFC’s for plant maintenance and you cannot use previously purchased stockpiles.

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Source by Iain Hazell

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Health Benifits Of Drinking Water

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Water is the most common and important compound found on the Earth without which, the thought of survival of life is futile. H2O, commonly known as water, consist of two parts of hydrogen and one part of oxygen. Almost 70% of the human body is made up of water. If we study the physiology and anatomy of the human body, we’ll find that water is responsible for almost all the vital processes occurring in the human body whether it’s the digestive system, circulatory system or some other.

For years our ancestors have admonished us with the importance of water. Perhaps even more importantly, nutritionists and health experts confirm that the health benefits of water are numerous. The most common health malady that occurs in our body due to lack of proper amount of water in our systems is dehydration. This dilemma may provoke many other diseases. Heartburn, headache, back pain, pain in the legs, daytime fatigue, and rheumatoid pain are some of the adverse effects of dehydration. Dehydration generally occurs when the body starts squeezing water from its tissues, brain and skin. All these problems could be eliminated easily by adding proper amount of water in our daily diet. Additionally we can have shinny and healthy skin rather than ragged and dry skin due to dehydration. It’s chronic cellular dehydration that kills the cell, but it has a simple solution and that is to drink half of your body weight of water everyday.

Water works as a lubricant for our joints and it flows as a river through our veins, arteries and capillaries. In short it fills nearly every space of our body and acts as a protective shock absorber for our body. It also helps to form the structure of protein and glycogen. Meaning that water is the source that carries nutrients to our cells in each part of our body and also help to transport the waste out of the body. It has been proved advantageous for the functioning of the kidneys, and drinking more of the precious yet abundant fluid could lower the risk of developing kidney stones and gallstones.

Water serves to regulate the internal temperature of the body and maintains a constant fluid balance. Thus it acts as a thermo regulator that is why we can adapt ourselves in any of the Earth’s habitats. The electrical stimulation of nerves and contraction of muscles are the result of the exchange of electrolyte minerals dissolved in water. It reduces the risk of cancer as well as being a means of preventing diseases in general by not leaving the body’s cells weakened gasping for the water they so desperately need.

Water is a universal solvent and thus plays an important role as a media to carry and distribute the metabolites, hormones and other material around the body and within the cell. Many solutes are also dissolved within it, so it’s also essential for health, growth, stamina, building muscle and development. Energy reactions also take place in this medium.

It is good to substitute a cup of coffee in the morning with a glass of water as at this time the blood is most viscous and strokes particularly prevalent. During and after exercise it is also better to drink water to maintain the body’s level of hydration. This will also reduce the chance of heart attack at this time of day. Water is the best source to regain the hydration loss due to certain beverages as coffee and tea.

Considering the importance of H2O, it is better to sip it at regular intervals throughout the day regardless and not waiting for thirst to encourage you to take a drink. That will keep you well hydrated. Although it is advisable to drink eight to twelve glasses of water a day, it depends upon various factors as gender, age, physical activity, temperature, physiological condition, etc. There is little to no doubt in the fact that a correct regimen regarding water will help the body to keep the cells, digestive track, joints, and skin hydrated and healthy.

Keeping all this in mind, not only does it make since to drink water and plenty of it, but to give your body the purest water free of pathogenic bacteria, cysts, parasites, trihalomethanes (abbreviated THM’s), radiologicals, and heavy metals such as lead and mercury. You can find out more about the health benefits of drinking water [http://www.h2osopure.com/] and the home water purification systems offered by visiting us at [http://www.h2osopure.com/]

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Source by James Grover