Livingston Reporting - page 100

Sorting Through The Misconceptions of Reconditioned Products

Posted on by Creative Programs and Systems

A lot of misconceptions surround products labeled as reconditioned, refurbished, and as-is.  Reconditioned products are products that have been returned to the manufacturer or a third-party company to thoroughly be checked, taken apart, repaired, put back together, tested, and sold.  They are unable to be sold as new without going through the refurbishing process, even if they are in mint condition.  Many electronics, large scaled manufacturing equipment, appliances, and electrical goods are sold in this manner. 

Purpose of Factory Reconditioning

There are a number of reasons that product reconditioning exists. One reason, consumers will return items that are defective or may have become damaged.  Sometimes however there is nothing wrong with the item but once it has been purchased and returned, electric items and manufacturing components can’t be sold as new.  Other times equipment and components are becoming obsolete and the only way to have replacement parts for repair is for manufacturers to refurbish components and manufacturing equipment.  This is common in transformers, panel switches, and bus ducts & plugs.

The Reconditioning Process

Each product reconditioning specialist has their own set of standards that refurbished products and components need to go through before being resold.  Some reconditioned products are sold “as new” which means that they have run through a series of checks and balances to ensure all the issues, cosmetic and functional, are fixed. Other companies disassemble, inspect, repair, reassemble, tests, and then and only then is a product fit for resale.  This is often the case in manufacturing and larger scaled equipment like transformers, disconnect, and such. 

Advantages with Reconditioning

Obviously, reconditioning comes with cost savings over buying new. Manufacturers can’t charge the new prices for products that are refurbished.  Prices will vary on reconditioned components based on the supplier and of course the product.  As do new products, most refurbished products offer a warranty.  It is important to research the warranty and return policy of any reconditioned/refurbished product you purchase.

Difference between Factory Reconditioning and Third-Party Refurbishment

Most often when a product is labeled as “factory reconditioned” it means that it has been refurbished by either the manufacturer or a third-party that is certified.  When you purchase a reconditioned part or equipment you should expect that it has been tested and repaired to meet all of the original standards of a new product.

J & P Electrical Company is a full-service electrical company that supplies contractors, end users, and supply houses with new surplus, quality reconditioned, and obsolete electrical equipment. We purchase a wide range of electrical equipment such as bus plugs, bud ducts, panel switches, substations, and transformers.  More information can be found at https://www.jpelectricalcompany.com



J & P Electrical Company

DIY Aluminum Fence Installation: What Should I Look for When Purchasing an Aluminum Fencing?

Posted on by Creative Programs and Systems


Research is a key element in any purchase especially an online aluminum fence purchase.  There are several suppliers of fencing so it is careful to do research and search out a wholesale aluminum fence supplier that will ensure success in DIY fencing.  Purchasing a perimeter fence and/or a driveway gate is a large home improvement purchase that will be around for decades, it is important that it adds value, security, curb appeal, and is exactly what you desire. 

What Should I Look for In a Wholesale Aluminum Fence and a Fencing Wholesaler?

The most important aspect of online sales is customer service.  A superior product is nothing without the backing of professionals who will bridge the gap between your knowledge and a successful fence installation.  When researching a wholesale aluminum fence supplier, it is crucial for the success of your project that you can have a line of communication open with customer service experts throughout the planning, measuring, selecting, ordering, and installation process.  When first speaking with online customer service fence experts here are a few questions to consider:

  • Can you speak with one service rep from the start to finish of your project?
  • Are the customer service experts qualified? Do they have through knowledge of products and installation procedures?
  • Will they help with the design of your fence?
  • Do they offer both email and phone support?

It is important to work with a fence supplier that helps without hassle.  When issues arise with your product, installation, repairs, or warranty work it is crucial to have the backing of a solid customer service team.

Look for an aluminum fence manufacturer that has a solid reputation within the industry.  Again, research, research, research!  Determine the longevity of the company.  How long have they been in business?  Do they have a reputation for a high-quality product?  Do they have a solid reputation?  Are they know to be reliable? For example, iFenceUSA offers premium fencing that ships factory direct to clients both commercial and residential.  iFenceUSA customers can chose from 9 colors, 18 designs, 100’s of options, and so much more when designing a top of the line aluminum fence and gate for your home.

Although not the top priority in fencing affordability does come into play when choosing a fence.  Aluminum fencing increases in price when choosing higher quality grades.  A residential aluminum fence will cost less than an industrial grade fence just because it is manufactured with a higher quality aluminum.  When selecting a fence ensure you are comparing apples to apples.  Some suppliers will quote residential grade aluminum fence just to quote the least expensive option even when resort or commercial grade aluminum has been requested.  If your quote seems to be good to be true, it probably is.  Aluminum fence panel and gate quotes from iFenceUSA come with all the hardware you will need to install your fence.

Research is important in any online purchase but especially true in a large purchase like aluminum fencing.  When researching your new aluminum fence reach out to the customer service experts at iFenceUSA to see how we can make your fencing purchasing and installation painless from start to finish.

iFenceUSA is an online distributor of wholesale aluminum fences and gates for residential, resort, commercial, and industrial installation.  As an industry leader in maintenance-free aluminum fencing products we have all your aluminum fence and gate needs covered.  More information can be found online at https://ifenceusa.com/.



iFenceUSA

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The Importance of a YouTube Presence for The Success of Any Business

Posted on by Creative Programs and Systems

With the creation of television came the start of an era where technology including video would rule how we gather information.  This advancement and the progress of technology since has increased the effects that video has in building a successful marketing campaign.  Video technology is without a doubt a powerful source when impacting consumers decisions.  Engaging video content influences its audience and therefore is a necessary element when creating a complete digital marketing campaign. 

Thankfully for the marketers of today there is a cost-effective source to introduce your brand via video, YouTube.  YouTube video creation isn’t a new concept however the way it fits into a digital marketing strategy is. Long gone are the days of lengthy videos with production crews and long hours editing and in with technology that makes video creation affordable and simple. 

You know longer need a Hollywood produced video to launch your brand, low barriers to enter the video market have made it possible to start launching videos at just pennies of what it once did.  Videos can be something simple as snap shots of how products are made or something as simple as snippets of working with clients.  Slideshow videos or one person showcasing your company or their project, it is all about offering something unique to your clients. 

Ever heard of “going viral”?  Your videos need to be watched so our job as marketers is to create something people will want to watch.  One drawback to the ease at which YouTube videos can be created is that the market becomes saturated.  In order for your business to stand out amongst the crowd it is crucial that videos are created that speak to consumers by sharing a quick, memorable snippet that reaches your audience and persuades them to seek more information.  When this is achieved you are one more step closer to digital marketing success. 

Creating A YouTube Presence

YouTube is a terrific platform for companies looking to advertise.  Previous advertising efforts involved the creation of commercials and finding channels which were deemed to share similar target audiences.  Of course, there was more too it but essentially the goal was to have your companies’ video/commercial reach people that were interested in what was being offered.  The problem however was that the reach of the video was based on an educated guess. Thankfully, we no longer have to operate like this.

YouTube however let you target your audience not only through online videos but ad placement as well.  When a user watch’s a topic specific they are then shown ads related to that; this is known as placement based on contextual user intent.  

Another method of targeting is based on online behaviors.  Ads and videos will use the search history and website cookies of the user to show more ads and videos related to the topic. 

Sometimes the best way to target an audience is based on the user’s demographics and geographic information.  Videos and ads will be shown to individuals within a specific region despite recent searches or videos that have been watched. 

Because of these qualities and more, YouTube is an essential element in all digital marketing strategies.  In order to grow your business and online presence it is important to become a recognizable fixture in this online fixture. 

Creative Programs and Systems, CPS, is an all-inclusive IT solutions company offering a variety of services including: managed IT services, IT consulting, residential computer services, custom programming, website design, iphone & android app development, and more.  More information can be found at https://cpsmi.com.



Creative Programs and Systems

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Step By Step Guide For Buying Your First Home

Posted on by Creative Programs and Systems - Updated

One of the first things that first-time home buyers should know is that it is going to take a lot of time and effort to find and finally close on a home of their dreams.  In order to make the process as easy as possible and to help buyers make the best choices when purchasing a home.  Below is advice from real estate experts to help you throughout the buying process.

First things first, start researching as soon as you decide to buy a home.  Look through magazines, search the internet, look through trade papers, and so on to find real estate listing and industry news.  With the real estate listings that you have found, follow them through to their sale.  Analyze the time it takes for a house to hit the market through to close.  Note what the asking price was initially and what the home closed for.  These trends will allow you to see the larger picture for homes in your specific location.

The next step is to determine how much you can afford overall and monthly.  Most often lenders recommend that buyers spend no more than 3 to 5 times their annual income on a home when you are able to put down 20%.  It is also imperative to eliminate outside debts as much as possible.  It is also key to figure out the monthly costs of maintaining a home.  There are several online tools that help first time home buyers with calculating costs when purchasing a new home.

It is also important to meet with a lender or mortgage broker to get preapproved for a mortgage.  Obviously before you can buy a home you need the means to do so.  Prequalification means that you have met the requirements set forth by the lender.  Taking into consideration your income, debt, savings, and investments your lender of mortgage broker will tell you how much you qualify to borrow.

Your next step is to find a local real estate agent to work with. Hiring an agent literally costs you nothing; you have nothing to lose when you have a realtor working with you.  The seller compensates the realtor through commissions on the house when it sells. A real estate agent will provide you insight that only comes from living in an area.  They also provide invaluable skills such as negotiations. After going through the process hundreds of times they understand the process better than those of us who only go through it a few times in our lives.

When you start shopping for a home it is important to tour many of the homes in your price range even if they aren’t exactly what you have been dreaming of.  It will help you see what is available.  Take a note pad and camera with you to keep the homes you visit straight.  After time it will be difficult to keep the homes you have toured straight.  In each home you are serious about test out certain features such as the plumbing, windows, electrical, and appliances.  Take a look around the neighborhood and evaluate how well the homes on the block are maintained, the traffic volume, parking, and such.

It is important not to rush the home buying process.  You will find the right home, but it may not happen right away.  Make sure you negotiate a fair price, evaluating the cost at which other homes in the neighborhood have sold for, and reach an agreement.  When your home goes into escrow it is time to finish up the remaining steps within the buying process.  

A home inspection is a must to make sure the home is a good investment and free of costly repairs.  Home offers should be made on a contingency that the home passes inspection.  If major issues are found the seller has a chance to fix the issues or renegotiate the sale.  You as a buyer can withdraw the offer if you decide it is not in your best interest to purchase the residence after the inspection.

Working with the lender you will then select your loan and have the home appraised.  This process should be fairly simple and straightforward. As long as you are responsive in working together it will make this process painless. Once the paperwork is coordinated and you have determined the seller is the rightful owner and can legally sell the house you are buying you are good to set a closing date. 

Last but not least close on your home.  Sign all of the paperwork (there will be a lot of it) and move into your new home!

C21 Lady of the Lakes is a full-service realtor serving Livingston County and the surrounding areas with all their real estate needs.  More information can be found at http://www.ladyofthelakes.com/.

C21 Lady of the Lakes

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Fighting Cancer With External Radiotherapy

Posted on by Creative Programs and Systems - Updated

There are several questions that come along with a cancer diagnosis. One of the first questions that patients ask is regarding the treatment of their newly diagnosed cancer.  Patients want to know how they are going to rid their body of cancer.  The answer most often, external radiotherapy.

External radiation, radiotherapy is treatment of cancer using a machine known as a linear accelerator to directly aim radiation beams to the cancerous tumors from outside the body.  These beams are meant to shrink and/or destroy the cancerous tumor without harming the healthy tissue surrounding it.  This is different from internal radiotherapy where radiation is delivered to the cancerous tumor within the body.

Radiotherapy works through a process of damaging the DNA that exists within the cancer cells.  A patient’s personal DNA, which is genetic, is the code that controls how a patient’s body will behave during treatment.

Before a patient starts treatment their team of experts will create a plan and introduce it to the patient.  It will include several elements including the short and long terms side effects of radiation.  Most side effects are short terms and will disappear with medication and time. 

Radiation therapy begins with a wide range of tests.  These often include:

  • X-Rays
  • CT Scans
  • MRI’s
  • PET Scans

These scans and images will allow experts to develop a treatment plan that allows the highest dose of radiation to the cancer while trying to reduce the effects to the healthy tissues surrounding it.

When you are set to receive external radiotherapy you will have treatment in a radiotherapy department.  Radiotherapy machines are large and can vary.  The most common machine in delivering radiation is known as a linear accelerator, LINAC.  A linear accelerator uses an electricity to create the beams of radiation.  Patients will not feel the radiation that a LINAC gives off. There are possible side effects however these are rare. 

Radiation therapy works because it can treat the cancerous cells and the bordering healthy tissues without harm.  A high dose of therapy is given directly to the cancer and lower dose to the surrounding tissues.

Radiation is delivered in individual fractions that are smaller than the full dose.  This ensures that the healthy cells surrounding the cancer to recover between treatments.  Patients will have what is known as a series of smaller dose treatments which is known as radiotherapy fractions.

Radiotherapy is intended to relieve the symptoms of cancer including pain.  This is known as a type of palliative radiotherapy, fewer fractions and sometimes just one.  The radiotherapy dose with each radiotherapy fraction is larger but there are fewer fractions.  Overall the radiotherapy dose is lower.  Palliative treatment has a decrease in side effects and is used as a cure for cancer. 

As an independent LINAC service company, Acceletronics is dedicated to delivering the best equipment performance and services for linear accelerators and CT scanners across all major brands and models, as well as new and refurbished LINAC systems for sale.  More information can be found online at https://www.acceletronics.com/.

Acceletronics

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Preventing Complications With Proper Care After LASIK

Posted on by Creative Programs and Systems - Updated

Eye care after laser vision correction is crucial in ensuring the success of your surgery.  Complications can occur with LASIK but are lessened with proper care before, during, and after the procedure.  One of the most important aspects comes just hours after the surgery.  It is recommended to rest for a minimum of four hours after surgery.  Take a nap and rest your eyes.  Some patients choose to wear protective eye shields. 

Eye shields are recommended to use when sleeping for the first few days after surgery to prevent unnecessary rubbing from occurring.  It is crucial to prevent any eye-rubbing while your eyes are healing after laser surgery.  It is important not to rush recovery which is easy to do since most patients experience a return in eyesight quite quickly. 

Post LASIK care has a great deal of importance, it is as important as the surgery itself.  In order to receive the most out of your LASIK experience follow the tips below.

  • Plan Follow-Up Appointments:  Appointments will be scheduled to follow up with your eye doctor/surgeon during the first three months after the surgical procedure.  After this time period annual eye exams are necessary to ensure the health of your eyes. 
  • Follow Your Doctor’s Orders:  Along with keeping follow up appointments with your LASIK surgeon it is imperative to schedule appointments with your primary eye doctor, ophthalmologist to keep up on changes in your vision.  Annual eyes exams allow future issues to be caught quickly and immediately.

LASIK Healing Timeline

  • The First Week: Rest your eyes.  Use prescribed eye drops to prevent dry eyes, infection, and inflammation.  If you experience any issues, big or small, immediately call your LASIK surgeon.
  • Months After: Continue to follow up with your eye doctor and report changes that occur during the healing process.  Monitoring the health, comfort, and vison changes of your eyes is necessary for preventing complications.

Returning to Normal After LASIK

For many patients they will return to work within a day or two of the LASIK procedure.  The restrictions below are a guide to follow until you are feeling ready to return to normal activities.

  • Don’t drive until your LASIK eye surgeon says your vision has returned.  This normally occurs within a day or two.
  • Wear sunglasses to protect your eyes all the time but especially the first week after LASIK.
  • Use restraint in reading and computer usage for the first days after your procedure.
  • Makeup should not be worn for at least a week after laser vision correction surgery.
  • As stated above do not rub your eyes for at least once a month after LASIK.
  • Exercise should be avoided for at least once a week. Contact sports should be avoided for a month.
  • Patients should avoid swimming, hot tubs, or whirlpools for a week after LASIK surgery.
  • Prevent dust and dirty environment to help eliminate the risk of getting something in your eye while your eye heals.

Rohr Eye & Laser Center offers the most advanced technology available to suit your lifestyle and visual needs.  As a leader in laser vision correction and cataract surgery, our goal is to help you achieve the best vision possible without glasses or contact lenses.  More information can be found online at https://michiganlasik.com.

Michigan Lasik

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Common Mistakes That Occur in Pool Maintenance

Posted on by Creative Programs and Systems


We all make mistakes when it comes to maintaining our homes and our pools are not exempt.  When caring for your pool a simple mistake while adding chemicals can take the pool out of commission for weeks.  Unfortunatly however, mistakes in maintaining your pool occur both big and small.

Large mistakes in caring for your swimming pool turn into valuable lessons to learn.  Pool maintenance education is imperative to prevent mistakes and in turn your pool is safer, cleaner, and more efficient without extra frustration on your end.

One of the biggest mistakes pool owners make is with the addition of a chemical commonly referred to as pool shock, a large dosage of chlorine. When dosages of chlorine are too high your pool water will essentially bleach out the color of your clothing.  Although you technically can’t over-shock the pool it can cause issues with more than your clothing.  Too much chlorine can lead to pitted plaster, vinyl liner discoloration, or brittle tile pieces breaking off.

One way to ensure this doesn’t occur is to dissolve the shock chemicals in a bucket of water prior to shocking the pool.  This allows the shock chemical to disperse more evenly throughout the water and in turn protects the pools finish.  As a norm, in pool maintenance a good rule to follow is to dissolve chemicals thoroughly before adding it to the pools water.

Another common mistake when owning a pool that homeowners make is that they don’t take the necessary time or care when brushing and vacuuming your pool.   A good brushing pushes the build up out into the water and settles on the bottom of the pool and then can be vacuumed up. Take the time to brush behind all those hard to reach places like pool ladders, steps, and stairs.  Corners, crevices, and water lines especially in plaster pools should be scrubbed really well.

Pool chemicals are a huge source of the mistakes made by homeowners when caring for their pool.  Your pools plaster can literally be destroyed if the chemicals in the water are not properly balanced.  Don’t ignore your pools pH and alkalinity levels.  A low pH indicates acidity and a high pH indicates alkalinity, too much of either one is bad for your pools plaster. Too low of a pH can damage the equipment used in the pool such as a pool pump and filter, plaster or vinyl linings, heaters, automatic pool cleaners and more.  Proper water chemical balance in a pool is easily accomplished by testing your pools water on a regular basis and making adjustments as needed.

Pound Pool Plastering offers several options when it comes to servicing your pool including plaster, caulk, tiling, cement decks, plumbing, and coping in both commercial and residential settings.  More information can be found at http://www.pound-pool-plastering.com/.



Pound Pool Plastering

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Making Your Home Accessible With a Wheel Chair Ramp

Posted on by Creative Programs and Systems

Making your home more accessible for handicapped aids like wheelchairs is a must for many of people with either disabilities or for the elderly. Typically the first step to make in a lack of mobility situation is to install a wheelchair ramp.  Having a ramp installed on your home will improve a person’s life tremendously by entering and exiting the house freely and independently with little to no help from other members of the family.

There are many options for installing or building a wheelchair ramp that can be quite easy to accomplish and have a few options to consider. One choice you can decide on is to take the route of DIY and have the family join together for a weekend project or option #2 is to hire a professional to install one for you. No matter your choice of individual you decide to complete the job, there are some key elements to building and designing the ideal wheelchair ramp for you.

Choosing a ramp that’s right for you

Each accessibility ramp is unique and choosing one that is the right fit for your needs is most important. There are many factors to consider when finding the perfect wheelchair ramp for your home. First question to ask your self is; what type of mobile aid(s) will the person use? Also, there is a chance that the mobile aid that the person is currently using could evolve and change over time. Maybe they currently use a cane or walker but as the years go on, a person may need to switch to a wheelchair as they continue to age.

The next question to consider is; what entrance of the house is the accessibility ramp going to be installed on? Some homes will have obstacles that need to be taken into consideration such as landscape features that will need to be built around. It is also important to check with any zoning requirements in your area through the township or HOA that may require special requirements. Next, deciding on the material you want to use in the construction of the ramp needs to be chosen. Your budget and preference on whether function is more important than curb appeal will help in these decisions. Also Depending on the material chosen, this may or may not make it harder to move at a later time if the ramp is not intended on being a permanent fixture on the home. Lastly, a question to ask yourself about your unique ramp is; how much time do you want to put into construction? It is sometimes best to consult a professional contractor to complete the ramp installation.

Designing the Ramp

The design and requirements of your ramp will be unique because of the factors such as layout of the home or yard and the height needed for ramp. A short ramp would do perfect for a situation with only a couple steps or less than 3 foot incline but if your home is higher off the ground, a ramp will need to be designed with platforms so the incline is not so steep. Platforms are flat landing areas that help break up a ramp to allow the incline to only reach 30 inches. The Recommendation from ADA (Americans with Disabilities Act) that platforms are minimum 60 inches square in order to allow a user enough space to turn in a wheelchair as needed. This also allows a person to stop moving and take a break when needed. Platforms also assist in navigating around obstacles or allow ramps to fit in smaller areas.

The width of the wheel chair ramp is another important aspect to measure for your design. It is recommended by ADA a minimum of 36 inches in between hand rails. This specific measurement should allow even manual wheelchairs the ability to fit comfortably. A reminder to measure in between the closest part of hand rail not at the base otherwise it could cause a person in wheelchair to hit their elbows on the railing if too close.

Guidelines are put into place by ADA to insure that the utmost safety is guaranteed. If working with a contractor, be sure they are building your ramp to be ADA compliant in order to successfully build and design a ramp with safety in mind. If installing a ramp at a business and is not ADA compliant, you can expect it to lead to fines in future as well. Some of these guidelines include: no- skid surfaces, handrails on both sides for any ramp longer than 6 inches, platforms installed if ramp is over 30 feet, and at least a 2 inch flange on bottom sides of ramp to prevent slipping off.

Ramp Materials

Two materials that you can choose from when building your ramp is either wood or metal. Of course with every option, each has their advantages and disadvantages. In the end, no matter the material you choose a ramp should be secured strongly to the ground and anti slip surface added. Taking a closer look at wood ramps, they are typically used in a permanent setting and if built correctly they can last for many years and add true value to your home. The surface of the decking is very important to ensure it is non slip. If ramp is made with a bad type of wood, it will quickly become very slippery in wet weather for everyone using it not only for the disabled. Make sure to do your research on companies who produce ADA-compliant composite materials such as Trex Accents that help increase traction on its surface.

When taking a look at metal for material of choice on your wheel chair ramps aluminum is a top contender. A primary advantage of metal as your material is the ease of installation. Some installs can be done in an hour and also easily removed and transported to a new home if and when needed. If needing a more complex design, metal ramps are great options for this as well and can be custom designed with platforms. The overall appearance of a metal ramp is much pleasing to your curb appeal but there are some that have been designed to look less medical looking.

Prebuilt or Custom Wheelchair Ramps

There are several companies through medical supply or home improvement stores that can assist when choosing a pre-built ramp that is ready to be installed and can be easier route for many compared to building new from scratch. On the other hand, if deciding to build and design your own wheelchair ramp it can be a cost savings on materials but will take more time than installing a pre- built option. Another great advantage of a custom ramp is that is can fit an individuals needs and overcome any special challenges. Hiring a professional contractor to help with your ramp needs will save you time and make this project much less stressful from start to finish.

Glen Miller the Home Doctor is a licensed general contractor servicing Livingston County and the surrounding areas.  Glen offers a wide range of services including home maintenance plans, age in place remodeling, kitchen and bathroom remodeling, finished basements, and hardwood floor refinishing.  More information can be found online at https://www.glenmillerthehomedoctor.com/.



Glen Miller The Home Doctor

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A Fresh Financial Start

Posted on by Creative Programs and Systems


Each year when the New Year rolls over, we all begin to think of New Year’s resolutions and how we want to improve our lives from the previous year. We start to set goals for our future to improve certain aspects of our lives whether it is health, personal hardships, or financial difficulties. We sometimes take a step back and realize life did not take us down the path we were expecting to be on and instead of sitting back and relaxing on a beach somewhere we are stuck with piling personal debts from student loans, credit cards, home foreclosure and are now feeling the sting of bankruptcy. Making the first steps after bankruptcy can sound difficult but you can and will bounce back from it and below are some tips on how to get started.

Let Go of Your Shame and Negativity

When hearing the word “Bankruptcy” we instantly are given such a negative image of this situation. Growing up, we are taught what obligations and responsibilities we have and as adults, we pay our bills no matter the circumstance. Unfortunately, life is never that simple and the honest truth is that it is not always possible to repay all of our debts even when trying our best to do so. If thinking that bankruptcy is your only answer, you are not alone. The fastest growing group of bankruptcy filers is people older in life. A study done in May 2011 by University of Michigan Law School found that 1 in 8 adults in the U.S. which is about 13% of general population have thought about filing for bankruptcy.

Even when people know that bankruptcy is a common practice, people still can’t help but feel guilt and disappointment when filing. The best advice is to turn those negative emotions into a more purposeful thought and think of bankruptcy as a learning experience. Truly take the time and look at what you could have done differently to prevent this situation from occurring. The next step is to accept your failure and free yourself by forgiving your mistakes and start to move on.

Recovering From Foreclosure

Studies done by AARP’s Public Policy Institute shows a record amount of homeowners above the age of 50 that went through foreclosure or at least 90 days or more overdue on house payments from 2007 through 2001. One of the biggest issues after losing your home is a good chance you have probably drained most of your savings as well. Some people may never want to own a home again and are content just renting the rest of their life but one way to bounce back from foreclosure is to start rebuilding your savings account or rainy day funds. These accounts typically have $500- $2000 saved in them. The reason of having this type of account is to help deal with emergency or unexpected expenses like a car or home repair that suddenly needs attention. Without this type of savings, you would be forced to use payment options like credit cards to pay everyday expenses that will in turn make you overuse them and hurt credit even further.

Setting Up an Emergency Fund

An Emergency fund differs from a rainy day mainly by being a larger amount saved in a separate account. This account should accumulate anywhere between $3,000 and $10,000 or above if can afford it. The reason for this larger amount saved is for this fund to assist you longer term if something should occur in a personal dilemma such as losing your job or medical issues arise for example. An emergency fund can also help you in a financial disaster such as a bad business investment or loaning money to a family member that never got repaid. These funds should have enough money saved to be able to keep you afloat for 3 to 6 months by paying all your current bills in that time frame. Of course it will take time and energy to make a savings such as this but is a important goal to have in mind.

Get Help From the Professionals

Investment mistakes whether it is watching your 401(k) change drastically or you invest in a friends/ family’s business that doesn’t make it will always take a toll on your confidence. If you are uncertain and nervous on how to manage your assets, it may be best to consult with someone who specializes in this field like a financial planner. A professional can help evaluate your needs and develop a plan to guide you through your financial plan and set new goals after a setback has occurred.

Repairing your credit after divorce

Divorce’s can be very draining on an emotional standpoint as well as financially. Once the worst part is over, you can start to move on from this set back as well. To start fresh from a financial view, you will first need to reestablish your credit in your own name. You can find where you stand credit wise by obtaining a credit report from three of the credit bureaus- Equifax, Experian and TransUnion. Secondly, it is best to get rid of any joint credit accounts with previous spouse and be sure to pay all new bills on time to sustain your credit rating. Some people may not have very much credit in their own names so it may be a good idea to look into a secured credit card. These types of cards need to be paid cash up front for the credit line. It can be somewhat surprisingly how quickly after filing bankruptcy an bank will allow regular unsecured credit cards mainly because lenders know that a user can not file for bankruptcy protection again for several years.

 Bohikian Law Group specializes in bankruptcy services including chapter 7 and 13 bankruptcy.  More information can be found at https://bohikianlaw.com.



Bohikian Law

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Preserving Your Water Softener Brine Tank

Posted on by Creative Programs and Systems

Hard water is known to contain higher than normal levels of calcium and magnesium.  This causes issues with lime scale build up that interferes with household and daily functions.  Issues range from clogged plumbing to soap’s ability to clean properly.  For most homeowners the installation of a water softener system is vital in bringing higher quality water to the household.  Most water softening units will continue to function for years with little maintenance.  Regular check ups and cleaning does help to improve their lifespan.

One important aspect in maintaining your water softening equipment is caring for the systems brine tank.  In order to properly maintain the tank, the salt levels should be checked and if low replaced on a monthly basis. Salt is essential in the ion exchange process that takes place in water softeners.  As the system regenerates the hard water will flow through resin in the softener and the hard ions trade place with the soft ions on the resin beads.  This creates soft water.

Your specific softener should come with a manual that instructs you on the perfect level for the salt in your brine tank.  Generally, the tank should be kept half way full and three inches above the water level.  High levels of salt can improve the overall efficiency however should be reduced is the salt sticks to the sides of the unit.  If salt is allowed to build up in the brine tank users should carefully separate the salt to avoid thick bridges from forming. 

It is also important that you put the proper water softener salt into the brine tank.  The manual should explain if your system best operates using granular, tablet, or block salt.  Granular is the most common as it easily dissolves.  On top of different types of salt there are grade variances as well.

  • Water Softener Rock Salt: This is a cheaper source of softener salt and therefore contains more impurities.  These impurities often decrease the efficiency of the softener, dirties the tank, and requires more regular cleaning and maintenance than other salt grades.
  • Water Softener Solar Salt: This option is purer than rock salt.  For most water softeners this salt option is chosen by homeowners
  • Water Softener Evaporated Salt: This option is the highest quality grade of water softener salt that can be purchased.  It is also the most expensive.

If a salt bridge occurs, it is important that it is broken up and not allowed to “build up”.  A solid layer of brine known as a bridge occurs when the salt in the brine tank binds together preventing loose salt on top from mixing with the water below the bridge. This of course prevents the softener from properly functioning.  These bridges can be broken up using a large broom handle and tapping it around the tank several times. If the layers are not easily broken with a long handle a homeowner can pour hot water over the bridge.  If bridges become a common issue in your water treatment system you can try using less softener salt which would allow the salt to drop between refills.  Cleaning out the brine tank also helps.

Another common issue with salt inside of brine tanks is that the salt can become a mushy pile at the base of the tank.  This causes the water to rise around the salt instead of mixing in with it.  A large broom handle can be used to break up the mush mound.  Mush should be scooped out, dissolved in a bucket of hot water, and then poured back into the water softener tank. 

The experts at Reynolds Water Conditioning have a solution to your homes unique water quality needs including: arsenic, bacteria, chlorine, rotten egg smell, fluoride, hard water, iron, lead, acid, tannins, radon, and more.  More information on our water treatment solutions including water softeners and conditioners, water filtration and purification, reverse osmosis drinking water, and iron & odor removal can be found online at https://reynoldswater.com.



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