President of Philadelphia Teachers Union Calls Asbestos Issue a Humanitarian Crisis

By Kim Jarrett |

The Center Square

Pennsylvania state Sen. Vincent Hughes speaks Feb. 13, 2020, at a Philadelphia Federation of Teachers news conference on asbestos and other safety issues at city schools. Facebook / Sen. Larry Farnese

PHILADELPHIA PA–The leader of the Philadelphia Federation of Teachers (PFT) is calling for Gov. Tom Wolf to address the asbestos issue in public schools now by declaring a state of emergency.

Wolf put $1 billion in his proposed state budget for lead and asbestos remediation in the state’s schools. But with two more Philadelphia elementary schools shuttering due to asbestos, PFT president Jerry Jordan said it’s not enough.

“But we must do more, and we must do it now,” Jordan said in a statement on the PFT website. “The facilities emergency in Philadelphia’s public schools is nothing short of a humanitarian crisis.”

The PFT created the “Fund our Facilities Coalition” to ask for $170 million to clean up Philadelphia’s schools. The group cites other issues besides asbestos, including rodent/pest control, water leaks and more custodial staff to keep schools clean. Several members of the Legislature, the Philadelphia City Council as well as U.S. Rep. Brendan Boyle are a part of the coalition that has asked on several occasions for the governor to do something about the schools.

“We asked. We begged,” said State Sen. Larry Farnese, D-Philadelphia, at a PFT news conference. “And now we demand there be a state of emergency called in Pennsylvania because of the condition of our schools.”

Farnese is a member of the “Fund our Facilities Coalition.”

Some lawmakers have suggested Wolf could take money from the state’s rainy-day fund to pay for the remediation. But any money taken from the fund requires approval from two-thirds of the Legislature, Lyndsay Kensinger, a spokesman for Wolf,

told The Philadelphia Inquirer

\”A 10th Philly school has closed this year because of asbestos,\” said state Sen. Vincent Hughes, D-Philadelphia, the minority chairman of the Senate Appropriations Committee, on Twitter. \”We need emergency funding to fix our schools now! Broken and toxic schools must go. This is a public health crisis.\”

The PFT has called on the governor to declare a state of emergency for several months but has praised Wolf’s proposed funding for remediation using the Redevelopment Assistance Capital Program.

“The governor’s proposal to open RCAP applications to lead and asbestos remediation to the tune of $1 billion has enormous potential,” Jordan said in a statement after Wolf’s budget address. “I am extremely encouraged that the governor is taking our voices seriously and has developed a plan to bring relief.”

Ten Philadelphia-area schools have closed because of asbestos issues in the past few months. The latest closings were announced Wednesday night when Philadelphia school officials announced the temporary closures of Clara Barton and James Sullivan elementary schools.

republished by Gloucestercitynews.net with permission of

The Center Square

Now Available, Beard Guyz® Micro-Mist Beard Oil with Pump

Glendale Heights, IL – Beard Guyz®,

a Men’s Care brand from Universal Beauty Products, Inc., has expanded its grooming product lineup for 2020 with a lightweight oil

Beard Guyz® products

that’s applied directly to the beard using a proprietary pump sprayer. Beard Guyz Micro-Mist Beard Oil softens and moisturizes the beard without weighing it down and is

conveniently sized to meet the busy lifestyle needs of modern sporting enthusiasts.

Many beard oil products require the use of hands to apply the oil and shape the beard. Beard Guyz Micro-Mist Beard Oil bypasses this step, allowing oil to be sprayed directly on the beard for a more controlled and even application – no hands, hassle or cleanup required.

“We’re excited about crafting a beard oil that is convenient to apply and provides moisturization in a hands-free manner for sporting enthusiasts,” says Ricky Arias, Brand Manager – Beard Guyz. “Beard Guyz products are designed to help beard wearers look their best for life’s important as well as everyday moments and we think our new oil will do just that, all while saving them precious time.”

Beard Guyz Micro-Mist Beard Oil is available in a 1.0-ounce size for convenient use at home or on-the go. Micro-Mist Beard Oil provides lightweight moisturization and includes a deodorizer.

“With beards becoming more popular every year, the grooming landscape is changing,” says John Fitzgerald, Senior Director – Marketing/Men’s Division at Universal Beauty Products. “Our customers require solutions with the versatility to meet their grooming needs in any situation and time of day. We believe that our Micro-Mist Beard Oil meets and exceeds expectations for convenience and quality.”

Beard Guyz® Micro-Mist Beard Oil is available starting February 2020 at select retail outlets throughout the United States, including Bed Bath & Beyond® and Giant®, as well as at online retailers including

Amazon.com

and

beardguyz.com

###

About Universal Beauty Products, Inc.

Universal Beauty Products, Inc., located in Glendale Heights, Illinois, is a leading manufacturer of personal care products. With over 10 brands, Universal Beauty Products offers an extensive portfolio of grooming, beard, hair and skin products. The Men’s Care division includes Beard Guyz®, focused on men’s beard care, and Van Der Hagen®, focused on the flourishing grooming market. The company headquarters operates a 200,000+ square foot facility that includes research and development laboratories, sales, marketing, manufacturing, customer services, administration and warehousing and is committed to producing performance-proven products.

How can you fax from a wireless printer without a phone line?

Gloucestercitynews.net (February 20, 2020)–

Do you know you can use your wireless printer to send and receive faxes? Online fax services allow you to manage your fax communications with different types of printers. Nowadays, special printers are available with faxing capabilities.

These printers come with fax hardware and a fax button to send faxes. For this reason, it can be easy for you to fax the essential documents. If your printer doesn’t have faxing capabilities, you can use an online fax service.

CocoFax for Wireless Faxing

CocoFax allows you to manage

wireless faxing without a telephone line

and a fax machine. You can use your wireless printer without a phone line. If you have a printer with faxing capabilities, things can be easy for you.

In this situation, you will need a telephone line (a landline) to plug into your printer. These printers come with a socket for a phone line. To receive faxes on the same printer, you have to turn it on 24/7. You can miss your faxes with a turned-off printer.

With the use of CocoFax, you can use the power of an ordinary printer. You can manage your fax communications without a fax machine and a phone line. CocoFax is famous among millions of people around the world.

CocoFax successfully features on the top platform, such as Forbes, Top 10 Reviews, TechRadar, PCMag, CNET, etc. With this online fax service, you can protect your important documents. For its HIPAA compliant faxing, it is famous among insurance companies and several other businesses.

Power of Wireless Faxing

CocoFax is a reliable service to send and receive faxes without a phone and fax machine. If you want to use your wireless printer without a phone line, create your account with CocoFax. You will need a fax number, and CocoFax can provide you with a number.

Visit the

CocoFax website

to register your email ID and create a CocoFax account. It enables you to access your 30-day free trial, CocoFax dashboard and a free fax number. Make sure to use an internet connection on your device and a web browser.

Why do you need a CocoFax account?

CocoFax is necessary to translate information from your cell phone or computer to a fax machine. You will get a fax number to send and receive faxes. There is no need to purchase hardware because CocoFax can handle everything.

Send Faxes

Step 01:

Get your CocoFax account and a free 30-day trial to check the features of CocoFax before buying it. You are allowed to select your fax number.

Step 02:

Prepare the documents that you want to fax. If you have hard copies, put them in a document feeder of the printer to scan each document. Save all scanned copies on your smartphone or computer. Skip this step if you have soft copies of your document.

Step 03:

Open a web browser on your device and login to a CocoFax account. You will be able to access a dashboard. Tap on the “Send Fax” button on the corner and prepare new fax in a popup window.

You have to type in the receiver’s fax number and subject line. Remember, the subject line will become a note on the initial page of fax documents. Feel free to create a cover page for your faxes. Upload all scanned documents that you want to fax.

Step 04:

Tap on the “Send” button and you are done. CocoFax will dial the fax number of the receiver to deliver this fax to his/her fax machine. You will get confirmation of the successful delivery of faxes. A fax transmission can be unsuccessful if the fax machine is off or busy.

Receive a Fax

Process of

receiving free faxes online

can be easy than sending. You will get all faxes on your registered account with CocoFax. Check dashboard of CocoFax to find received faxes in an inbox. Make sure to use the same ID (registered with CocoFax) to send and receive faxes.

Conclusion

Wireless faxing becomes secure and easy with the help of CocoFax. You can send faxes without a phone line and a multipurpose printer. Create your CocoFax account to get access to its dashboard. You will get a free fax number to receive your faxes.

Scan hard copies of your documents with your printer because you will need soft copies to send via fax. The dashboard of CocoFax enables you to send faxes with the help of wireless technology.

The essential guide on how to understand and excel an engineering course

Gloucestercitynews.net(February 20, 2020)–Engineering is among the careers that are most respected in the world. It provides for a fulfilling journey that involves creativity, innovation and most often, attractive salary packages. There are several branches of engineering that one can choose to follow, for example, electrical engineering, civil engineering, computer engineering, and many others. Regardless of the field of engineering one picks, the course is filled with complex math and scientific principles all through the learning journey. Therefore, it is important for one to work out a

foolproof plan to guide him or her through the course of study

. Although the uphill task of complex projects and assignments has been solved by websites that provide

engineering homework help

, the following are simple useful tips to guide engineering students in understanding engineering courses and to succeed in their academic careers.

1. Find people who inspire you, learn their ways and routines

If you are interested in a specific engineering discipline, find people who have been successful in the industry and make them your idols. You can easily find out information on them from the internet, not just about them but for just about any other prominent person in that specific field. Use the internet to look into what\’s helped these people and their organizations become so successful. Then emulate their good traits in your personal, academic and professional life. You will be surprised how much inspiration you can get by just studying these people.

2. Involve yourself in as many projects as possible

Try to participate in every experiential learning opportunity that your schedule allows. This way, you\’ll get to learn something unique with every experience. You will also have more to show your examiners during your final year projects, not to mention the portfolio you will already have to present to your potential employers when you graduate, unlike other students who will only be able to list their coursework. In addition, you\’ll be far more likely to master the knowledge you\’ve been getting in classes because you\’ll be applying it and, in the process, boosting your communication and interpersonal skills.

3. Learn the value of networking

When it comes to excelling on campus, whom you know and interact with is almost as important as what you gain in class. Attend several other lectures on your campus and introduce yourself to the lecturers. Familiarize yourself with your school\’s alumni association to get a list of alumni from your field of study to find those who may wish to connect with you. You can make use of E-mail, use LinkedIn or other social media tools to connect online. However, remember there’s no substitute for a traditional, face-to-face meeting, it is always the best.

4. Work in teams

Whether it\’s a class project of creating a solar-powered car, participating in a sport, or writing essays for the school paper, get involved with your peers because most things require a team effort to produce great results. Throughout your career after graduation, you\’ll work in teams, so the skills you develop in school will help prepare you to lead teams when you graduate.

5. Seek informal leadership roles within your class

You\’re always a leader, whether you\’re officially in charge of the members of your group school project or not. It sounds counterintuitive, but you can lead from any position in a team by influencing how people work together and how they make decisions. You will learn how to recognize and deal with various situations from any position in a team, you\’ll be seen as a leader even when you take on your first job or internship. The obvious advantage of taking leadership positions is that you will always be the first to receive any information from the institution or your lecturers. You will be better suited to enjoy more resources from the class.

6. Identify your flaws and correct them

As with any course majors, engineering students need improvement. If you are part of a group, try to create a way to get feedback from your peers, group leaders, and professors. When you have concrete feedback on how you are faring, you can work to improve your academic grades and even other skills including communication and leadership. Furthermore, you\’ll learn how to receive and give constructive criticism. That\’s absolutely necessary for your future career.

7. Take a business class

As a student engineer, it\’s not enough for you to be technically proficient. You need to learn to be business savvy. A business class will also help you read and understand organization charts, you will know how to negotiate contracts, and be familiar with other functions that every engineer needs to know. This will also help you in the future to understand what to do when an accountant, lawyer, or manager gets in the way of your work. A business course will definitely take you a long way.

8. Take a design class

The world of engineering goes way beyond problem sets, laboratories, and complex theory. You may need to take a visual design course to learn to represent ideas graphically. You can supplement the design topics in your coursework by taking a cognitive science course to learn how to interpret the engineering problems in the world and understand them better. While you are at it, you can take a literature course to develop your knowledge and which will help you write and communicate more effectively.

9. Make your holidays productive

Lecturers place tremendous value on practical experience when making student assessment s to grade them. Ensure you seek out internship opportunities actively and early in your academic career. Try to demonstrate through your internships a series of evolving learning experiences; also use the internships to build your portfolio of actual projects you are involved in. Students who can show a commitment to using their summer to continue to learn are always viewed more seriously by lecturers and future employers

10. Pick the right company

As an undergraduate student, you might feel alone when confronted with hard decisions about the courses to take, or even balancing school work and your personal life. You won\’t feel alone if you develop a healthy circle of friends. Just as a company has a board that guides the organization, you can stock your friends\’ list with peers from your engineering class or other academic fields to act as a support structure for you. You can as well as have former teachers and knowledgeable family friends to also be there for you during your academic career.

image courtesy of unsplash.com

New Pharmacist for Shore Physicians Group

mvitale

February, 2020

When it comes to medications, the best-trained healthcare professionals on the subject are pharmacists, who can be a valuable asset in primary care, especially with patients who are on

David Totten is the new pharmacist for Shore Physicians Group. (Courtesy Shore Physicians Group

)

Medicare.

That’s why Shore Physicians Group in Somers Point recently added pharmacist David Totton, PharmD, to its staff to support primary care providers in completing Medicare patients’ Annual Wellness Visits and provide comprehensive medication management.

Totton, who received his Doctor of Pharmacy from the University of the Sciences, came to SPG this fall after completing a year-long residency at Shore Medical Center.

Totton works collaboratively with physicians, advanced practice nurses and physicians assistants to provide Annual Medicare Wellness Visits on schedule, an essential part of preventative care. Totton spends an hour with each patient reviewing their family and medical histories, scheduling important preventative screenings and vaccinations, updating their list of current providers, and of course – reviewing their medications.

As part of the Medicare Wellness Visits, Totton provides comprehensive medication management as needed in partnership with their physician. Patients who are on multiple medications from multiple specialists or experiencing symptoms that could be related to medication side effects are just some examples of those who are benefiting from Totton’s expertise.

Chief Administrative Officer of Shore Physicians Group Mark Stephens says the addition of Totton to SPG makes perfect sense.

“An estimated 40 percent of people aged 65 or older are on five or more medications, so it makes sense to have a pharmacist on their healthcare team. If we can help eliminate some of those medications or better manage their side effects, we can help patients save money, feel better, and be healthier in the long run. Our providers are thrilled to have David on board,” Stephens says.

Totton is seeing patients at Shore Physicians Group’s primary care offices at 401 Bethel Road in Somers Point, 4 Roosevelt Boulevard in Marmora, and 2605 Shore Road in Northfield. To make a Medicare Annual Wellness Visit appointment, contact your SPG primary care provider.

To learn more about SPG, visit

www.ShorePhysiciansGroup.com

Why You Should Vacation to Luxury Safari Lodges in KZN

Gloucestercitynews.net (February 18, 2020)–South Africa is home to some of the most vibrant wildlife, immersive landscapes, and interesting people in the world. Zulu means “heaven” to the local people, who have named themselves the “people of heaven.” This is why the

luxury safari lodges in KZN

have become some of the most sought-after business and vacation retreats in the world.

For romance or recreation, these luxury safari lodges offer the unique opportunity to commune with the landscape of KZN in style. Their many guided tours, luxury accommodations, environmental conservation efforts, and community outreach programs guarantee any of its select guests the vacation of a lifetime.

Here are just a few of the luxury safari lodges available in KZN.

Thanda Safari

In the welcome video on its website, Thanda Safari describes itself as a “love story” between its royal guests and the wild but beautiful Zulu environment. It stands as a shining example of South Africa’s luxury lodges, where pleasure meets preservation.

Offering an array of accommodations, the Thanda Private Game Reserve is known worldwide for its luxury and hospitality. Its decadent common areas and main suites are safe for children and its private meeting areas provide secluded space for business meetings. Its self-sustaining tented camps provide exclusive access to nature unmatched by other reserves.

There’s a reason its suites were voted the World’s Leading Luxury Lodge at the 2011

World Travel Awards

Experienced environmental advisors and trackers conduct safari tours on the Thanda Game Reserve in order to educate its guests and give them the experience of a lifetime. Its educational programs seek to preserve the future while reconnecting with the past.

Partnering with many government organizations in a concerted effort to save the endangered rhino population, Thanda Safari embodies preservation, even as it offers its guests unmatched luxury accommodations.

Thula Thula

People visit the Thula Thula Private Game Reserve for a more personal touch. It is family-owned and operated and represents the oldest private game reserve in KZN, a treasured sanctuary for many of the endangered big game populations in South Africa, including leopard, rhino, and elephant.

Thula Thula is the former home of the famed conservationist Lawrence Anthony, whose book “The Elephant Whisperer” continues to inspire conservation efforts around the world. Thula Thula represents his integrity, his connection with nature, and his work.

Famed for its colonial decorative style and fine dining, the luxury suites are perfect for family vacations and honeymoons alike. For a more rugged experience, their tented camp situates you right in the bush with viewing decks, outdoor facilities, and authentic South African cooking.

Experienced guides will lead you on game drives and local outreach where you will be given the opportunity to experience the local people hands-on. There are luxury spa accommodations as well as cooking classes. Thula Thula is a feast of variety for those that want a connected, diverse experience in KZN.

Rhino Ridge

The Rhino Ridge Safari Lodge prides itself on connecting its guests with a true experience of the wilderness of South Africa. Its bush trails are to be experienced for those wanting a guided tour of nature’s great wonders, including one of the highest concentrations of white rhino in the world.

Though it is self-proclaimed “The Home of the Rhino,” Rhino Ridge also boasts

bird watching

that encompasses half of the entire region’s diverse species (over 400, according to its website). Its expert trackers guide guests on walks through the bush and gorges of the reserve, offering a connective experience with nature unlike any other.

Even though its natural experiences and rhino conservation are at the forefront of the mission of the Rhino Ridge Safari Lodge, its luxury accommodations are no less significant. Contemporary architecture that situates you within viewing distance of the gorgeous watering hole and game herds of the Hluhluwe iMfolozi Park is sure to provide you with the luxury accommodations you seek, no matter if you’re on safari with your family or on honeymoon with your spouse.

The Takeaway

Few places in the world can boast as diverse a combination of decadent accommodations and community outreach as KZN. Its luxury lodges have something for every vacation, from world-renowned restaurants and spas to suites fit for royalty.

Its educational and community outreach programs connect guests to the surrounding Zulu people. Its guided safari tours put you within reach of some of the most breathtaking wildlife and natural vistas in the entire world.

Luxury safari lodges in KZN have something for everyone. They may represent the awe-inspiring vacation experience that you never knew you needed.

Aramark Cause Coffee to Benefit Boys & Girls Clubs of America

Aramark volunteers participated in a beautification project to support the Boys and Girls Club Nicetown location, in Philadelphia, during the company’s global day of service, Aramark Building Community Day, last September. Today, Aramark announced it is donating a portion of sales from javia®, its private label coffee, and Reserve by javia, its new, premium line, to Boys & Girls Clubs of America. (Photo: Business Wire)

PHILADELPHIA–(

BUSINESS WIRE

)–Each year, Aramark provides over one billion cups of coffee and 400 million cold drinks to workplaces around the country. This year, Aramark is donating a portion of sales from javia®, its private label coffee, and Reserve by javia, its new, premium line, to Boys & Girls Clubs of America.

Reserve by javia and javia coffees have been designated as a “Good Cause Coffee,” where a portion of sales is donated to local non-profit organizations. Now in its fifth year, the “Good Cause Coffee” campaign has donated $500,000 to various community centers across the country.

Aramark became a corporate partner of Boys & Girls Clubs of America in 2019, and this year will focus the “Good Cause Coffee” dollars on supporting their mission of helping all youth achieve great futures. Boys & Girls Clubs of America, which had its beginnings in 1860, help keep kids and teens safe after school by providing a positive environment where they can learn, play and grow. The organization’s goal is to enable all young people to reach their full potential as productive, caring, responsible citizens.

\”We are so excited to be the beneficiary of Aramark’s ‘Good Cause Coffee’ this year,” said Chad Royal-Pascoe, National Vice President, Corporate and Cause Partnerships, at Boys & Girls Clubs of America. “These donations will help us reach more youth and give them access to the tools and resources they need to succeed in life. We are so thankful to Aramark and their commitment to great futures.”

There are more than 4,600 Boys & Girls Clubs across the country that serve over 4.7 million young people. Many of Aramark\’s employees volunteer at these Clubs through

Aramark Building Community

, the company’s global volunteer and philanthropic program. Going forward, Aramark is exploring ways to work with the Boys & Girls Club, to integrate health and wellness and workforce programs – which are the focus of Aramark Building Community – into activities at the Clubs.

“Our Refreshments team is pleased to offer a high quality, whole bean coffee program, with Reserve by javia, along with our traditional javia coffees. We’re delighted to be able to energize not only workplaces, but also a very deserving cause,” said Jim Frost, President of Aramark’s Refreshment Services division. “As North America’s leading office coffee provider, we’ve made it part of our mission and promise to give back to the local communities in which we live and work.”

Aramark’s commitment to people is a core part of the company’s sustainability plan,

Be Well. Do Well

, focused on positively impacting people and the planet. Aramark’s people priority is to facilitate access to opportunities that will improve the well-being of the Company’s employees, consumers, communities and people in its supply chain. Building on current work, Aramark continues to help people develop careers and livelihoods; access, choose and prepare healthy food; and grow communities, businesses and local economies. Aramark also offers various Fair Trade Certified™, Rainforest Alliance, Certified Organic and Shade Grown coffee brands that are committed to sustainability.

About Aramark

Aramark (NYSE: ARMK) proudly serves the world’s leading educational institutions, Fortune 500 companies, world champion sports teams, prominent healthcare providers, iconic destinations and cultural attractions, and numerous municipalities in 19 countries around the world. Our 280,000 team members deliver innovative experiences and services in food, facilities management and uniforms to millions of people every day. We strive to create a better world by making a positive impact on people and the planet, including commitments to engage our employees; empower healthy consumers; build local communities; source ethically, inclusively and responsibly; operate efficiently and reduce waste. Aramark is recognized as a Best Place to Work by the Human Rights Campaign (LGBTQ+), DiversityInc, Black Enterprise and the Disability Equality Index. Learn more at

www.aramark.com

Pennsylvania Suing Delta Auto for Consumers

HARRISBURG – Attorney General Josh Shapiro announced today that his Office has filed a civil lawsuit against extended automobile warranty company Delta Auto Protect to get money back for consumers and repair shops which fell victim to its car repair scam. Delta is operated by Omega Vehicle Services LLC and its managing member Charles Seruya.

The

lawsuit

alleges the company advertises and sells vehicle service and repair contracts to thousands of consumers in multiple states from a virtual office in Exton, PA, but refuses to honor the contracts it sells and, after accepting payment from consumers, refuses to cover the necessary repairs promised under contract.

“Many customers of Delta Auto Protect of Exton have complained to my Office, and they’re not happy,” AG Shapiro said. “From phone calls to emails and letters, consumers have let us know how unresponsive this defendant has been to them. This rude and illegal treatment of customers is unwarranted. We are listening, and we are taking action to get their money back.”

The Attorney General said he wants restitution for Delta customers who:

Paid for warranties and didn’t get the coverage they were promised,

Paid out-of-pocket costs to repair their vehicles, and

Tried to cancel their policies but didn’t receive refunds.

Shapiro said he is also seeking restitution for repair shops that didn’t get paid.

The lawsuit says Delta advertised “24/7 customer service” to entice sales, but when consumers and the repair shops called about missing payments, the company dodged them, re-routed their calls, left them endlessly “on hold.” They also failed to return messages.

In some instances, Delta placed a condition on payment that required a consumer to remove their negative reviews of the company. Multiple consumer complaints allege the company failed to pay refunds for contract cancellations.

“I’ve been calling this company almost every week for the past year and it has failed to pay for the repairs on my car,” said Carolyn Ames, a customer from Germansville, Lehigh County. “Delta is impossible to reach. If I do get through they hang up and they never return my calls. I’m so glad to know Attorney General Shapiro is standing up for consumers like me and is taking action to get my money back.”

AG Shapiro is urging any consumers who believe they were victimized by the defendants’ business practices to

submit a complaint

with the Office of Attorney General’s Bureau of Consumer Protection, calling the Attorney General’s Consumer Protection Hotline at 1-800-441-2555 or emailing

scams@attorneygeneral.gov

This complaint has been filed in the Philadelphia County Court of Common Pleas by Senior Deputy Attorney General Karen C. McRory-Negrin.

# # #

What You Need to Know About Vampire Energy

(February 15, 2020)–)–Have you ever wondered why all your energy saving efforts seem not enough? Is your electric bill still hiking up? Well, you might have something lurking in your home. This monster is leeching

energy from your sockets and money from your pockets.

How Does It Work?

Vampire energy, also known as standby loss, idle current, or ghost load, refers to the energy being unnecessarily leeched by gadgets or appliances when you leave it plugged in. These products are consuming energy even when not in use. On average, one household can waste more than £86 each year. It is a terrible waste of electricity and money.

Who Are the Culprits?

Secure Your Finances Before Obtaining a Car Loan

image courtesy of unsplash.com

(Gloucestercitynews.net)(February 15, 2020)–Getting a car loan requires you to be responsible. You need to pay the loan each month for three to five years. There\’s a chance that your car could get taken away from you if you fail to pay the required amount. Therefore, you must secure your finances first before you obtain any loan. If you are looking for first-class service and a quick response to your loan request look no further than

Omacl Loans.

Make sure you don’t have any existing major debt

You can’t get a major loan if there’s an existing loan that you still keep paying. Unless you have a huge monthly income, keeping up with two significant loans that require monthly payments would be tough. You can wait until you already finished one loan before getting another, or at least be close to completion.

Check your income source

You should only take on paying a monthly car loan if you have a stable income source. Otherwise, it will be a burden. You will keep worrying about where you’re going to get the amount to help you pay the loan for the following month. If you have a secure job, you can pursue this transaction. If you’re still on probation, or you only recently started your job, you need to think twice.

Understand the terms

Not all car loan companies are the same. Some of them offer reasonable terms. You need to understand what it entails for you to secure a car loan. If you can find

no deposit car finance

, it might be great news. You can drive your preferred car without the need to pay anything first. However, the monthly fees might be a lot higher than usual due to the lack of initial payment. If you already understand the terms, you will know if you chose the right car loan company.

Compare the cars

It also helps if you know the car models. You can check if an option is good enough considering its price, or if there are other better choices. Take your time to review the options using different standards. Once you find the car model that you want, it will be easier to proceed with any transaction.

A no-deposit deal could be the perfect choice

You might have second thoughts about the idea of obtaining a no-deposit car deal. You think that it’s too risky. The truth is that you can still get a great deal if you compare the terms first. The monthly fees might be affordable enough. Even the fees for delayed payments aren’t as terrible as you think. The reason why you have an unfair view is that you only heard what other people said about this loan. Upon further research, you will realize that it could be the perfect deal.

Once you conclude that you will pursue this deal, you need to start gathering the requirements. You also need to ask different car loan companies for quotes. Confirm the information found online and start submitting the documents for approval. Once you get approved, you need to be responsible for the monthly payments.