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Name: Luz
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Website: www
Date: 19 Jan 18 01:33pm
Appreciation to my father who stated to me regarding this blog, this weblog is really remarkable.
Name: Eulah
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Website: www
Date: 19 Jan 18 01:33pm
Amazing Site, Stick to the wonderful job. Appreciate it.
Name: Fowoke
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Website: www
Date: 19 Jan 18 01:32pm
Corian countertop is extremely popular in modern kitchens due to several advantages associated with it. Like, it is available in so many beautiful colors and patterns that it suits almost all kinds of kitchens. It has a strong resemblance with natural stone granite but it does not have a porous surface. So, it can be cleaned without any hassles. It has a strong resistance towards temperature as high as 100 degrees Celsius.When you see cracks or scratches on the countertops, you feel very disappointed. No need to worry about them anymore as you can repair it at home. Most of the scratches and scorches that you see on the surface of countertops are caused by knives and hot pans. To repair these minor damages, you have to buy one Corian care kit. It consists of abrasive pads with fine, medium and coarse textures. Before any repair work, prepare its surface by cleaning it thoroughly to get rid of the dirt and debris. Then wipe off the water with dry towel.Now, take a coarse abrasive pad that comes with the kit and rub it over the scratches in back and forth motions. Make sure that the rubbing strokes go beyond the length of the scratches. This way you can ensure that the sanded part blends well with its surroundings. While sanding the surface, you have to wash the pad a number of times to remove the sanded dust from it.Wipe off the sanded area with a damp piece of cloth and let it dry for some time. Then use the medium textured abrasive pad to sand the scratches both lengthwise as well sideways. When you feel that the scratches have become smooth, stop sanding and rub off the debris with a damp cloth. Finally, the counter top should be rubbed with finest grit pad so that rough edges of the sanded section merges well with the adjacent area.Cracks tend to develop on the Corian surface, when heavy objects fall on it. There are some tools and materials that you have to procure for this repair job. It includes a screw driver, a piece of plywood, a few wood scraps, a good quality glue and of course, the repair kit for its abrasive pads.The damaged portion of the countertop has to be removed from its base by unscrewing it with the help of a screw driver. Take a piece of plywood whose size is the same as the removed piece of the Corian counter. Pour the glue in drops on one side of this plywood and place that side over the back of the detached piece immediately. Hold them together tightly so that the wood get attached properly. Allow the glue to dry up thoroughly.To increase the strength of the attached plywood, glue up small wood scraps at the ends of the newly attached plywood. Then screw up the piece of countertop back to its place. Put some super glue into the crack and allow it to sink for a few seconds. If there is any excess of glue on the surface of the kitchen counter, then wipe it off. Finally, take a fine grit abrasive pad from the repair kit and rub it over the entire counter so that the cracked area blends uniformly with the surroundings.Corian is a highly durable material. Therefore, the need for countertops repair arises only when it is not well maintained. Actually, You just have to follow a few simple and easy steps to take care of this kitchen countertops. For regular cleaning, use warm soapy water. After every wash, the water has to be wiped off or else, the surface will lose its shine. While using knives, keep a cutting board on the counter to prevent scratches. Always place hot cooking pans on heating pads. Cracks can be avoided if you do not let any heavy items fall on it.
Name: Renshu
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Website: www
Date: 19 Jan 18 01:32pm
Could Social Networks Hurt Your Credit Score?No, as of now, your social media activity would not affect your credit score. However, it may impact the same in the near future.How will you feel if you go to a credit-rating bureau to inquire about your low credit score, and the authorities answer, "We have monitored every move of yours! Your credit score is low due to your Facebook updates, as you have checked-in at 25 expensive restaurants in a month. You have even tweeted that you have run out of cash and will soon require a personal loan to support your lifestyle." You will be flabbergasted to find out how your creditworthiness was based on innocent and fun comments you posted on social networking sites.A couple of months back, one of the leading news vehicles reported that the credit reporting agencies are testing the integration of social media into the financial process in order to source information about an individual's creditworthiness and also establish his online identity. This means that even the harmless information you upload, can work against you in the complicated calculations of your credit score.Imagine someone rummaging through your social networking history including those of your friends. Scary isn't it? Don't worry, currently none of the top three credit rating agencies, i.e., Equifax, TransUnion, and Experian have resorted to include your social networking activities in your credit score. However, in the near future, whether it's your Facebook, Twitter, or personal blogs, every word you may have said--taking the liberty of it being your 'personal profile'--could be thoroughly scrutinized to draw inferences about your creditworthiness and to judge your personality. Let us explore a few more points regarding social media activity affecting credit score.Essential for Effective Risk ManagementPeople, who are in favor of social media activity affecting credit score claim that it can be treated as an effective medium to gain access to the type of personality of an individual, his identity, and creditworthiness. They also say that banks and creditors can manage the risk of lending money effectively, if they know the complete details about the person.Research Under ProgressIf you thought that by only paying your bills on time, you will be able to maintain a healthy credit score, then you are completely wrong. In a press release, Equifax stated that they are exploring the possibility of clubbing unstructured data (along with data from the social media) with structured, attributable data in order to develop analytical models that will help to assess the risks in better way and verify the person's identity. This means that any time in the near future--slowly but surely--your social networking profiles will provide a basis for your creditworthiness.Are Banks and Creditors Already Doing This?It is said that some banks are trying to tap into your personal social media information in order to decide your creditworthiness and determine your credit risk. Lenddo, a Hong Kong-based microlending company, states that it is the first credit scoring service, which utilizes your online social network to assess your credit. It asks for access to your Facebook, Gmail, Twitter, Yahoo, and Windows Live accounts. In a strange twist, if you fail to repay, your loan status will be notified to your family, friends, and community. Also, it will affect yours and your friend's Lenddo score.Profiles for ProfitIn the year 2012, The Federal Trade Commission (FTC) fined Spokeo, Inc.--a data mining firm--for $800, 000 in civil penalties for compiling social media databases on millions of people. It used this information to sell it to background screeners, recruiters and HR managers without ensuring the accuracy of the data, or even informing the individuals that their details were getting used. Many data mining agencies earn a lot by investigating their clients without verifying the authenticity of the information. If a similar thing happens in case of credit records, it may lead to wrong information and inaccurate credit scores.Inaccuracy of InformationAccording to a study conducted by the FTC on the US credit reporting industry, it was found that 5% consumers had errors on one of their three major credit reports, which could cause them to pay more for products, such as auto loans and insurance. In an industry, where there is already so much of inaccuracy, it will be very difficult to maintain accuracy of the credit score generated by integrating information from social media, as well. A person may tweet that he is on the verge of insolvency, out of sheer fun. Taking it seriously, and making this work against the person's credit may not be correct. Integrating Social Media in Credit ScoresImagine how difficult it would be to quantify and incorporate your social media behavior. For example, you may have updated a Facebook status about being cashless at the end of the month. On what parameters will this piece of information be integrated into your credit score? You may have updated this status after setting aside your savings for the month. However, you might not have had enough cash to spend until you receive your next salary. This does not mean that you do not have the capacity to repay. It will be very difficult to take all these things into consideration. It may also lead to interpreting your social media activities literally, rather than in its true form. Legal IssuesResorting to involvement of non-traditional and unstructured data may create trouble with the Fair Credit Reporting Act (FCRA). Every individual has a right to see his/her credit report, whether it is being used in a negative manner or not. He can also go further to understand when and why a certain determination was made against him. This is known as notice provision. Many companies, who were using background check applications--which violated FCRA's notice provision about personal and credit-related data--have received warnings from the FTC. Apart from this, there will be several other legal issues related to privacy. Hence, applicability of social media for credit score seems a little impractical. Integration of Structured and Unstructured InformationStructured data has a predefined data model, while an unstructured data lacks traditional database. It is very easy to numerically calculate structured data. However, it is not possible to count unstructured data in terms of numbers. For example, updating your status on your Facebook account saying that you had 10 donuts may be structured data. However, if you post a status saying that you went to a donut outlet, or tried making donuts at home, then it may be unstructured data. It further raises several questions. Does it mean that if you are liking the pages of expensive sports cars and designer wear, you are filthy rich? And if you have moderate choices, does it imply that you are not well-off? In order to first integrate both these data together and then with your credit score, a smart and foolproof calculation or algorithm will be required. Otherwise, there will be too many inaccuracies and errors.Beware of Your Social Media UpdatesThe following social media updates can raise red flags.Updating your status on Facebook about your visit to the local bars.Tweeting that you just blew your entire salary on shopping.Liking crime-related pages on Facebook.Tweeting that you forgot to pay your bills, yet again.Checking-in too many restaurants on Facebook in a month's time.Tagging yourself and your friends at a drinking party on Facebook.Tweeting, out of sheer fun, that you are on the verge of insolvency.Your Facebook profile information saying that your hobby is getting 'high'.Tweeting your frustration about a speeding ticket.Your timeline showing that you change jobs too frequently.Updating your Facebook status that you would really like your loan officer to die!A similar kind of plan to study data mining of social networking websites by Germany's largest credit reporting agency was met with a huge public hue and cry and was not pursued further.Even though the credit rating bureaus are not adding your social media behavior to your credit file currently, they may resort to this practice in the near future. As you know, what happens on Facebook, doesn't remain on Facebook itself; it spreads to the world. So, for now, your Facebook posts may not hurt your credit score. Nevertheless, you must be completely cautious of what you upload on social networking websites, as it may hurt your credit score in the near future.
Name: Lane
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Website: www
Date: 19 Jan 18 01:31pm
I delight in the content on your site. Kudos!