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Infactual Articles


Most common Kits Used in Drug Testing

Posted in Drug Testing on May 4th, 2007

If you’re thinking of employing a drug test, you should be aware of the different kits out there. Here are some pros and cons of various testing kits, which will enable you to choose the most suitable kind.

• Urine drug tests and testing kits

These are the most commonly used tests. Results show the presence or absence of specific drugs in urine. If a urine test returns positive, it does not mean the donor was under the influence of drugs at the time but that he or she used them recently. Up to ten drugs at a time can be tested with urine samples.

There are three forms of urine drug tests, namely dip form, cassette form and cup form. With dip form, the test is dipped into a urine sample. With cassette form, a urine sample is placed in a cup and is then transferred to the testing device via a pipette. A cup form test allows for the urine to collect and be tested simultaneously.

• Saliva drug tests and testing kits

A saliva drug test kit detects traces of drugs found in the fluids of a person’s mouth. This kind of test simply cannot be contaminated because it is performed under strict supervision. However, the downside is a saliva drug test can only determine current use of drugs – not previous. Saliva tests are often preferable because they are non-invasive and easy to conduct. At least six types of drugs can be tested this way.

• Hair drug tests and testing kits

Hair drug testing is one of the most reliable forms of testing available, because hair stores traces of drugs for long periods of time. Through this form of testing, one can gain a more complete knowledge of a subject’s drug use history – reaching as far back as ninety days. However, current impairment is beyond this test’s detection.

• Spray drug testing kits

Spray drug tests are especially easy and simple to conduct. They are also very reliable and difficult to manipulate or contaminate. However, the types of drugs a spray drug test can detect are limited.

How to Fix Your Credit Report

Posted in Credit Report on May 3rd, 2007

Living with bad credit is stressful but if you want to fix your credit report, there are several steps you can take. First, think positively about the solutions to your money problems – do not dwell on past failures and current debt. Then take the necessary actions to achieve a healthy credit report.

Here are some tips on how to fix your credit report. First, request a copy of your report from a credit bureau (it’s free) and promptly correct any errors you find in it. You wouldn’t want to be denied that job promotion or that loan application because of a simple inaccuracy in your report! When you discover a mistake, write to the bureau and ask them to fix it. You should examine your report at least once a year.

If there are bad marks on your credit report, due to outstanding debts, then repay those debts immediately. The debts with the highest interest should be your first concern. If you find your money troubles to be too great, then turn to a non-profit credit-counseling organization. A counselor can help you develop a debt-consolidation plan and even be a liaison between you and your creditors, negotiating debt reduction. You may be able to reduce monthly payments by as much as 40%.

Also, limit the number of credit card accounts you have. Only maintain the ones that are absolutely necessary. If you eventually develop a healthy credit history, you can take on more accounts if you wish, but even those with a high income will find that multiple accounts are a financial burden and end up trapping them in a nightmare of debt. It’s also important to preserve your total accessible credit on these accounts and to be aware of how much credit you have used so far.

On that same note, do not open multiple accounts at the same time – that will just set you up for an irresistible cycle of debt. The rule of thumb is: don’t open up credit accounts that are unnecessary. Usually, they will end up costing more than you would’ve originally spent if you’d never requested the credit in the first place. Furthermore, don’t think that closing an account will fix your problems. This will not fix your credit report. Taking the above steps to repair your credit score is the best coarse of action and you can do it.

Tips on Buying a Comforter Set For Your Child

Posted in Comforter Set on May 3rd, 2007

A simple and effective way to start decorating your child’s room is by purchasing a comforter set. These sets come with all of the necessities for putting together a child’s bed (comforter, sheets, bedskirt, and pillow cases), and will also serve as the focal point for your child’s room. However, there are some things to consider before deciding on which comforter set to buy. In this article, we’ll provide you with some simple tips on buying a comforter set for your child.

The first tip on buying a comforter set for your child involves money. More to the point - the price you will pay for your child’s comforter set. By their very nature, comforter sets are designed to save you money while creating a look that stands out. When buying a comforter set, it is important that you don’t go overboard and spend an excess amount of money. Remember that kids will be kids, and the possibility of an accident happening in a child’s room is high. By keeping your comforter purchase a cheap one, it will offset any effect that a food or drink spill may have on your pocketbook.

The second tip to keep in mind when buying a comforter set is to be aware of any allergies your child may have. Many children may be allergic to natural down, so be sure to know this information before making a decision. There are several high quality comforters on the market that are filled with polyester or synthetic down. This will guarantee your child stays safe and warm with the comforter you select.

Now, the next step in buying a comforter for your child involves the colors and patterns you select. First, determine if you want to get your child involved in selecting their comforter set. There are several options available for both boys and girls, and it may be fun to have them help you pick out the design. At the very least, it will guarantee that your child approves of the comforter you end up selecting. So, what are some of the designs available for both boys and girls? Let’s take a quick look.

If looking for a comforter in a solid color for a boy’s bedroom, the most popular colors tend to be green, blue, and red. On the other hand, girls usually prefer pastel colors such as pink, yellow, and light blue. If looking for a themed comforter, boys usually like cars and trucks, as well as sports and super heroes. For the girls, the more popular comforter choices include flowers, ballerinas, and of course, Barbie.

These tips on buying a comforter set for your child should help you make the perfect bedding decision. The right comforter will provide your child with years of enjoyment, giving their room just the right look while making it a comfortable place to be. And the best part of all? Comforter sets are designed to provide this effect at a very reasonable price, helping to keep everyone in the family warm and cozy all year round.

How to Check Your Credit Report

Posted in Credit Report on May 2nd, 2007

When you are applying for a new credit card, or an extension of a credit or loan, your lender will review your credit report before granting you anything. So it is probably best to check up on your credit report as well. This way you can correct any inaccuracies and fix your credit report immediately. Ideally, you should check up on your report monthly, and even weekly, especially if you have made a large credit purchase.

Consistently checking up your report will help you to eliminate errors and mistakes easily. It is important that you are up to the task and fix your credit report when problems arise because otherwise, you may have trouble applying for a credit card or loan.

The way to go about keeping an eye on your report is to first get a summary of all your credit accounts and the total debt you’ve incurred. This includes the available limits and existing balances. Any inaccuracies you can then quickly rectify.

More importantly, by constantly reminding yourself of your credit report, you can budget and plan for the future. If you want to buy a brand new car or house, you need to make sure you’ll be easily granted the loan required for such expensive investments.

If you’re not willing to check your credit report that frequently, at least look over it thoroughly once a year. At the end of the day, it is up to the creditors to evaluate your report, so you only have control over correcting errors really. When a creditor does finally accept your account, they will then determine how much to pay you based on your credit history.

Credit history matters and things like bankruptcy and disclosure will be major factors. The national credit bureaus are responsible for collecting information for your credit history and they will indicate what accounts are overdue or late – they actually sell this information to creditors. Success for applications of car insurance, apartment leases, cell phone services and the like will all depend on their credit history.

Even if you think your credit history is good, you will need a copy of your credit report. You may find overlooked errors and compelling statements written on the report. Don’t be the last to know what’s in your file – get ahead of the game. Major consumer reporting companies can provide a copy of your credit report free of charge, so there is really no disadvantage to taking this step. If you fix your credit report, you may also end up securing a job promotion or loan application that you otherwise may have lost based on a silly error.

Locate and Find Debtors with a Credit Collection Agency

Posted in Credit Collection Agency on May 2nd, 2007

It can be a frustrating experience trying to collect a debt from a customer who just seems unwilling to pay. Letters sent to their address go ignored, and phone calls are answered with empty promises of payment. While this is certainly a bad scenario, what if a customer who owes you money just disappears? It is possible to locate and find debtors with a credit collection agency, and in this article we’ll explain to you the methods behind their tracking.

When you enlist the services of a credit collection agency, you gain several resources that are not available to most business owners. One obvious resource is time. As a small business owner, time is often a precious and limited commodity. If you are spending all of your time tracking down a customer who has vanished, your business is sure to suffer. A quality credit collection agency will have the time, resources, and people available to locate and find your debtor, while you can get back to concentrating on your day-to-day operations. Now, let’s turn our attention towards some of the ways credit collection agencies can successfully track a debtor.

Reputable credit collection agencies employ several different resources in locating debtors. For example, they have access to many different public databases, both national and international. These databases can help track a debtor’s recent activity (credit cards, utilities), which is instrumental in pin-pointing their actual location.

Credit collection agencies also hire a wide variety of professionals who specialize in finding debtors. Investigators and tracing agents are just two examples of people who are instrumental in these efforts. These people are capable of literally “tracing” somebody’s steps, following them from the time your business knew their whereabouts to ultimately tracking them down. The methods they use vary, but can consist of phone inquiries, field visits, and the assistance of the debtor’s friends and family.

Credit collection agencies have helped thousands of businesses locate and find debtors. But what happens if they are unable to find the person who owes your business money? Most credit collection agencies will not charge your business unless they actually find your debtor and receive payment for the debt. This fact makes using a credit collection agency a very sound decision.

As you can see, it is possible for you to locate and find debtors with a credit collection agency. One word of caution: If you are thinking about employing a credit collection agency, it is crucial that you do your homework to ensure that you are getting the best assistance possible. There are unfortunately some poor agencies out there, which will charge your business “nominal” fees, or may even charge without locating your debtor. You can easily find out if the credit collection agency you are considering is legitimate by contacting the Better Business Bureau. They will be able to verify that the agency is competent and professional. After that, the agency you choose will hopefully have success in locating your business’ debtor.

Benefits of Employing a Debt Collection Agency

Posted in Debt Collection on May 2nd, 2007

If you are a small business owner, you know how important customers are to your success. By making timely payments on the goods and services you provide, customers help give your company the resources vital to growth. Unfortunately, there will probably come a time when a customer fails to pay off a debt, and you will be forced to seek payment by any means necessary. One such way to receive overdue payments is through using a debt collection agency. In this article, we’ll take a look at the benefits of employing a debt collection agency.

A debt collection agency is basically any company hired by a business to collect money that is owed. These companies should be employed as a last resort, but they can be very helpful if needed. One major benefit to employing a debt collection agency is time; more specifically the recovery of time crucial to operating your business. If you are busy writing letters and making phone calls to a customer who owes you money, you are certainly losing productivity. Debt collection agencies have the people available to handle all aspects of getting your money, so you can return your focus where it belongs – on your business.

Debt collection agencies also send a message to the customer that you are serious about recovering the funds. When faced with the prospect of a constant barrage of phone calls at home and work, most people elect to pay off the debt. In addition, the threat of having their credit score negatively affected usually yields payment. But despite these negative consequences, there are still people who refuse to pay. How can a debt collection help in this case?

Depending on the size of the outstanding debt, and if there is still no sign that a customer intends to pay, you do have the option of going to court. A debt collection agency will be able to handle the legal aspects of the proceedings, which can be a huge advantage. However, it is important to consider all sides of the case before deciding to proceed. Court will likely be a costly proposition, and unless the debt is large enough to warrant legal action, it may be best just to bite the bullet and take the loss.

One final benefit of employing a debt collection agency is the fact that these companies only get paid if they can recover the debt. This makes a debt collection agency a low-risk option in your attempt to recover back payments. If they are unable to get the customer to pay, you have atleast saved the time that would otherwise have been lost. And if they are able to secure the payment, you will only have to pay them between 4% and 10% of the debt. This creates a win/win situation for both you and your business.

For a small business owner, the benefits of employing a debt collection agency are undeniable. In a perfect world, your business will avoid ever needing to use such a company. But it’s nice to know that a debt collection agency is standing ready, just in case.

Choosing Laminated Wood Flooring

Posted in Laminated Wood on May 1st, 2007

Laminated wood flooring is the hottest floor-covering product in America. Created in Europe, the product has now been in use for over 20 years. Laminated wood flooring is an interlocking system that is installed on top of an existing substrate. This type of laminated wood flooring has been used in the renovation of older buildings throughout Europe.

This floating laminate installation can be used on any hard, flat surface and is easy enough to be a do-it-yourself application. “Floating” as used here means that the new floor is not attached to the floor underneath and the joints are glued together.

Choices of laminated flooring

A water-resistant glue is recommended by most laminate flooring brands. The glue is used on every plank, between the tongue and grooves. The amount of glue used varies by brand. Pergo laminated wood flooring requires enough glue to completely fill the groove; the excess is squeezed out when the tongue and groove are interlocked. This particular laminated brand has a unique PerCore base layer that soaks up the glue.

Pickering brand laminate flooring, meanwhile, requires only a 1/6-inch drop of glue on the groove. Formica flooring requires a 1/8-inch bead in two places on the groove or tongue. All of these laminated flooring brands give you the same results, with different installation methods – Alloc flooring has a patented system that doesn’t require any glue.

Laminate flooring has four main elements that are bonded together. First, a durable, decorative surface made of resin-based melamine/aluminum oxide is affixed to a moisture-resistant wood core. A backing is then added to the core’s bottom side. On top is an aluminum oxide layer, providing stain resistance.

By using existing counter-top practices and adding more protection to the top layer, laminates have evolved into the perfect floor covering. Some manufacturers say their laminate floors are as much as 20 times harder than any laminate counter tops, thanks to a dense, resin-filled wear layer that’s resistant to stains, scratches and even cigarette burns.

The most common styles of laminate wood flooring have a wood-grain appearance. But some manufacturers offer laminate flooring in realistic stone and marble patterns. Laminate floors are produced as long, rectangular planks, usually around four feet long and 8 inches wide. Some manufacturers offer square tiles and double wide planks, as well.

5 Best Packages on Disney World Vacation

Posted in Disney World Vacations on May 1st, 2007

For vacationers, a trip to Disney World is always enticing, but now more than ever, people are clamoring for Disney’s vacation packages. Compared to past rates, which were criticized for actually being higher than the cost of buying components of a package individually, today’s vacation deals are not only convenient – but economical too.

There are several different vacation packages to choose from for 2006. The 2006 Magic Your Way Vacation Package is the most affordable and it includes accommodations at the Disney Resort, the Magic Your Way Base Ticket (which grants entrance to one theme park per day and can be upgradeable to a “park hopper” ticket as well), and a Magic Plus option or with an extra cost, a No Expiration option.

Likewise, if you (or your travel agent) books a package online, a Disney Photopass will accompany it, and is essentially a voucher for a 5” x 7” photo of you and your fellow vacationers, snapped by a professional photographer. Other goodies that you can qualify for online include a meal voucher for Planet Hollywood Dining and Merchandize. The voucher can be exchanged for an entrée and non-alcoholic beverage from a select menu.

Another vacation deal is the 2006 Magic Your Way Package Plus Dining and it includes accommodations to Disney owned and operated hotels and the opportunity to experience several unique dining locations across the Walt Disney World Resort. Every day, at participating Walt Disney World restaurants, you can receive one table service meal with an appetizer, entrée, dessert, and non-alcoholic beverage, one counter service meal with entrée, dessert and non-alcoholic beverage, and one snack (ice cream, popcorn, medium soft drinks, etc).

Disney’s Magic Your Way Premium Package is a fancier, deluxe package and includes just about everything: hotel accommodations, breakfast, lunch, dinner, and unlimited access to golf, miniature golf, water sports and other recreations. Also, purchasers of this package are admitted to Cirque du Soleil’s exciting La Nouba, and various park tours and the like. As well, children from four to twelve years old can participate in selected resorts at the Disney Children Activity Center.

The grandest package of all is Disney’s Magic Your Way Platinum Package. In addition to the benefits of the premium package (like hotel stay, breakfast, lunch, dinner, recreation, and a ticket to Cirque du Soleil), you will also receive a spa treatment, extra recreational opportunities – including private golf lessons, a reserved seat to the exciting fireworks show Fantasmic!, unlimited childcare in the Child Activity Centers, a ride on the Fireworks Cruise, itinerary planning services, in-room child care, the Platinum Plan keepsake, and turndown service.

For groups of eight or more, there is a special package called Grand Gatherings. There are extraordinary benefits offered here that small groups simply can’t take part in – special events can be booked, like the International Dinner and Illuminations Desert Reception, Safari Celebration Dinner, Good Morning Gathering, and Magical Fireworks Voyage.

Nevertheless, an important thing to know is that standard full-price Disney vacation packages presented by tour operators are convenient, but there are no “bargain” prices. More often, Disney World packages are to be purchased through Walt Disney Travel Company or the WDTC.

How to be Successful with Internet Dating Services

Posted in Internet Dating on May 1st, 2007

More and more, single men and women are turning to the Internet to meet possible partners. I mean, why not? The many testimonials by those who successfully engage in Internet dating is encouraging enough to inspire singles to explore all the possibilities online.

For beginners, it would be best to search online for the most popular Internet dating services – there must be a reason why they’re popular. They’ll also have a much greater number of members for you to meets.

Here’s some basic things to remember for a successful Internet dating experience:

Try to have good pictures of yourself on your profile. In online dating first impressions are important – without it, no two people would ever meet.

It’s always a good idea, if possible, to post a variety of pictures to your Internet profile, some in casual dress, perhaps one in suit or maybe a picture showing you enjoying a hobby. These pictures will reflect the type of person you are, encouraging other members to contact you for a potential date. Don’t forget to smile, and please refrain from posting nude photos – you don’t want to give out the wrong signals.

Once you find someone you like, you’ll have to send an initial email. These emails should be short, clever and, if you can, make it funny The moment you make a potential date, the better your chance of getting a date.

A great place to use humor is in the subject line. Your potential date is more likely to read your email if it catches their attention. You could try a humorous remark about something in his or her profile, but be sure that your humor isn’t insulting — instead of getting a date you may get yourself an online enemy. Also, refrain from commenting on their picture unless your remark is complimentary.

In you e-mail, comment on things that you have in common, things you could only know from reading the profile of your potential date. This will help make them less nervous about meeting you. After all, if you have nothing in common, you’ll have nothing to talk about, leading to an awkward and uncomfortable first date.

Additional things to remember

1. Never use “smileys” or winking emoticons unless you’re a girl and you want to show interest.

2. Feel free to ask for a phone number after a couple of rounds of messages. But respect the decision of your potential date if they don’t give you their number right away – they may feel they need to know you better first.

3. Once you get you potential date’s phone number, be polite and respectful. respectful. Use light humor in your initial conversations to put them at ease.

4. It’s not advisable to spend too much money on your first date, as it’s really a “look-see” to find out if you find each other attractive in person. Some people may look great in their online photos but, face-to-face, you may not be attracted to them. Meeting for coffee is a good first date option, since you won’t be expected to spend too much.

5. On the other hand, if your date does look as good in persona as they did in their picture, don’t hesitate to compliment their looks. People enjoy hearing that they’re attractive, and it will put them at ease.

6. Make sure you also check out the profiles of dating-site members without pictures accompanying their profiles. Many very attractive individuals don’t post a picture, hoping to avoid getting a lot of e-mails from players. Justbe sure to get a pictures from them before you meet them for a date.

The Pros And Cons Of A Home Equity Line Of Credit

Posted in Home Equity Line Of Credit on May 1st, 2007

Do you own the house you are living in? If you do, your home might be your greatest asset. But if you have unfortunately agreed to a loan that is based upon the equity you have in your home, you could be taking a chance with your most precious asset.

Homeowners, particularly minorities and the elderly or anyone with poor credit should be very careful in borrowing money based on their home equity. This is because there are exploitative and abusive lenders that target and take advantage of these type of borrowers. This may put their homes at risk. There are certain things you need to understand in taking care of your credit, and hopefully protect you from exploitations.

Never agree to a home equity loan if you know that you don’t have enough income to make the payments. You must think of this in advance so that you are sure you’ll be able to meet your bills and the payments for the equity line.

Check all documents that have been handed to you and make sure that you don’t sign anything you haven’t read or understood. Some lenders and borrowers use this style in order to take advantage of clients, especially those who are not very familiar with written contracts and agreement terms. Make sure that you have understood all the terms and conditions. Don’t sign anything until you do.

If your lender or anyone pressures you to sign, that is usually a clue that something strange is going on. Another thing you should avoid in these types of loans is one that comes with products that you will not need.

You should ask particularly if the credit insurance is requisite to a condition of the loan. If you find out that it isn’t, and the charge is included in your loan but you want to remove it, you can ask the charge to be detached from your loan documents so that it will not add to your bills. If you think you need additional security, go and look around for the best rates.

You must keep the records carefully, including everything you’ve paid, all the billing statements and cancelled checks. If you notice that some of the charges are inaccurate, speak up and have it changed.

You also need to check the contractor’s references to find out the time the work should have been completed. You should get more than an estimate just to make sure everything falls in place.

Again, you should read all the items very carefully and if you need an explanation of the terms and conditions that are not clear to you, stop and ask. You can talk to someone that you can trust and see if he or she can make sense of it for you. Another good resource is an attorney or a knowledgeable member of the family.