Bc Home Quest Uncategorized Have you stopped taking supplements to be healthy? Or do you just think you have?

Have you stopped taking supplements to be healthy? Or do you just think you have?

Ever wonder whether the drugs you ceased taking might still be getting into you?

Yup. (admirable intention!) recycling more, right?

You must have seen the articles on recycled water. As predicted, our world is running out of water… meaning we are recycling more. Secondhand water.. and once again, we just decide not to be concerned about whether it’s better. We choose to just trust the giant corporations that contract to provide this technology.

No longer does it simply fall from the sky – a gift from God.

Now it’s a way to make money. An investment.

And those supplements, pharmaceuticals, drugs we used to take.. well, do we KNOW that they aren’t in our newly laundered water? No! We don’t even think about it!
So here’s the bad news.
Residuals of the drugs and personal care products that we – all of us – consume in our lives every day are excreted – or are washed off us during our daily shower or soak..
Hey, we even dump them down the sink drain. Yes, we are being good little world citizens by cleaning out our containers for recycling. And down it goes, into the aquifer, and the sewer, and back into our recycled water!

Yes, the waste goes through local treatment plants, designed for basic filtration.. but definitely not capable of dealing with the volume and forms of environmental waste that we create in our well-meaning actions.

Some governments see water management as a critical issue and are beginning to monitor Pharmaceutical and Personal Care Products (PPCPs) in water. And yes, they are on the rise.. an estimated increase from 2 billion to 3.9 billion annual prescriptions between 1999 and 2009 in the United States alone.

Associated Press reported that there are 41 million Americans now drinking antibiotics, anticonvulsants, mood stabilizers and sex hormones from a glass of water directly from their tap. Add the newcomers to the list: includes beta-blockers, hypnotics, antineoplastics, bronchodilators, antibiotics, antiseptics, cleaning solvents, sunscreen ingredients, caffeine, blood lipid regulators, hospital X-ray contrast agents and fragrances.
Yes, SOME governments are concerned… Is yours?
If this is the first time you heard about it, chances are the answer is NO.

On private land? Got a septic tank with a settlement trench? Where do you think all these nasties are ending up? Under that patch of grass, or vegetables where you planted because ‘it grows so well there!’ We really do need to consider the possibility of our chemical wastes leaching into streams downstream.

“With advances in technology that improved the ability to detect and quantify these chemicals, we can now begin to identify what effects, if any, these chemicals have on human and environmental health.” (EPA)

Nice quote.. but it just tells us they have no idea of the effects.. just like the 600+ identified contaminants they discovered in drinking water over the last decade.

It appears that Germany is way ahead of us in PPCPs water waste monitoring. Their studies over the last decade confirmed PPCP waste in their treated and untreated sewage. It’s also been found in surface water, aquifer groundwater and drinking water.

A March 2000 report of the American Chemical Society meeting in San Francisco, says water samples taken from forty rivers and streams in Germany identified the chemical residues of over 31 different types of PPCPs.

Yes, PPCPs found in treated and untreated sewage are at concentrations from parts per trillion to parts per billion. Small, yes. But so is the now infamous carcinogenic PFOAs in our water. The point is that these are known as ‘forever toxins’. They accumulate in the body: a big problem if you’ve already been prescribed similar drugs.

There is no legal requirement for water treatment authorities to list or even look for them.

This problem is not restricted to just the U.S., it is a worldwide problem. Researchers in Canada, UK and Australia are also finding this to be true in their systems as well.

We’re just now getting initial analyses of the effects of some of these drugs in our drinking water.

Cholesterol-lowering drugs, estrogens and anticonvulsants on fish in the Great Lakes. All three of these drug types can potentially interfere with the normal reproduction and development in fish living downstream from a typical sewage treatment plant.

If you don’t care about your own health,
perhaps you could spare a thought for our wild nature friends. Oestrogen compounds, even at levels of parts-per-trillion level feminize male fish and may even disrupt the development of their circulatory systems, eyes and urinary tract systems.

We Just Don’t Know!
The long-term effect on humans from sub-therapeutic doses of drugs, (plus other substances not made to be ingested, is still a grand mystery. It’s a major issue in areas where water is scarce, (our last big drought!) when there is more recycling of treated sewage water just to meet drinking water needs. The likelihood of exposure to PPCPs in drinking water, and in the bodies of those of us exposed to this type of water grows exponentially.

What to do Now
It’s pretty obvious that a water filter should be an accepted must-have in your home. It’s just as obvious that installing a water filter no more efficient than the underfunded and dated local waterworks isn’t really going to cut it. Today’s conditions require a far more powerful filer. Previously the only form of home filter that took out all contaminants was reverse osmosis. This method has become far less popular when we realised we need water with beneficial minerals intact. So here’s what to look for. (It won`t be as easy as asking a sales clerk at a big box store!).

1. Look for tests of contaminants. This either comes as a list of media used or a list of actual contaminants removed.

2. Look for the level of removal of contaminants.

3. Look for the period of removal. How much of a contaminant is removed over what period of use. A four-person family drinking 2 litres a day each will consume about 3000L (792 US Gallons) per year. If this data isn’t available – even if the list of contaminants seems comprehensive, it may be because although the filter removes all those contaminants on day one of use, it removes less every day.

Yes, filters like this are available, but you won`t see them in a big box store because they cost a little more.

4. Have a long hard look at your septic system, what you wash down the sink, or toilet, or shower. Try to eliminate using products with very big chemical named ingredients you don’t understand.

To learn more about:

Bottled Water, Detox, Water Health

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Handy Secrets Of Buying A Car – Helpful AdviceHandy Secrets Of Buying A Car – Helpful Advice

The market has made it harder than ever to learn how to save money to get a car with cash. According to -,  even if you have good credit, you can find that the interest rates are high or your credit isn’t that good and that you will need to start looking for ways to pay less when purchasing a car. In this economy it is necessary to save as much money on automobile purchases as possible. You should be able to have the best price in your area when you shop around. When you want to learn how to save money to buy a car with cash, you will need to look at the options available to you and then do it.

One of the first things which you could do when you want to learn how to save money to get a car with cash is to examine your current finances. Are you current bills paying for your car payment? If so, you may want to think about reducing those payments even further. There are lots of vehicle repair and maintenance services thatyou can take advantage of that will help you save money monthly. By having these maintenance services performed on your car, you’ll have the ability to avoid higher repairs later on.

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Another way to understand how to save money to buy a car with cash is to look to a car lease. A car lease is a contract between you and the dealership that you are purchasing the vehicle from. The dealer pays a monthly rental fee, which is typically very low compared to other kinds of car leases. Because you are paying less monthly, it will make it easier for you to save money to get a car with cash. If you will need a specific car now but don’t have sufficient funds immediately to buy it, a car lease could be the ideal answer.

People who are looking to buy a car with bad credit may also find car loans from lenders that specialize in this type of financing. These loans are more restrictive than other kinds of loans. This is because they require you to have a certain amount of equity in your car or truck before any kind of deposit will be made. This ensures that the dealership is only going to lend money to someone who has a great credit rating. Most people who fund themselves through this method are those who own a car thatthey are no longer using.

An auto loan can be found through any of the banks in your area. Many banks offer online applications for car loans, which can make it much easier to apply. You should have excellent credit to qualify for an auto loan, so in case you have poor credit it is probably best to search for a different alternative. When you fund yourself via a bank or other institution, the dealership usually supplies a credit check as well, making it much easier to find financing.

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Some folks prefer to finance their car purchases via an auto broker. Brokers do not actually loan money, but they do find buyers for the cars that you are interested in. These brokers are not associated with any one bank, so they often work at lower interest rates than banks would. Some people choose to go with a dealer when they fund themselves through an auto loan. Many traders have a credit department on site where you can apply to get a loan with little to no formal background.

Understanding how to save money to buy a car with bad credit can help you get a more expensive car. If you find the right financing, lots of people can afford to buy newer models with reduced interest rates and affordable monthly payments. You’ll also find that the monthly payments will be smaller than if you were paying on your own. Some folks would rather buy older vehicles since they’re known to operate efficiently and keep the inside nice. You can still buy an efficient car with bad credit, and some research on the internet can give you information on how to do so.

If you have less than stellar credit, there are still options out there. The key is understanding how to qualify for the best auto loans. When you receive a loan for an auto that is well below the value of the automobile, it is called a used auto loan. If you need cash fast, this may be the way to go, but if you are searching for a excellent long term loan, you may want to try applying for a conventional loan first, then an auto loan, then a used car loan, then another used car loan, and so forth.

Mortgage Interest RatesMortgage Interest Rates

Home Loan Interest Rates

 

Thinking of buying or building that perfect home?  Before you sign on the dotted line some research into home loan interest rates will be needed.  This will give you a much better chance of obtaining some interest rate savings. Or you can try South Florida mortgage loans.

 

To begin finding the best home loan interest rates you will want to study the current rates and rate movements or trends.  Home loan interest rates generally reflect the over all picture of interest rates.  They basically will follow Wall Street Securities with their rise and fall.

 

Home loan interest rates combined with your individual financial status would then determine how much you can borrow.  This would have an impact on how much house you can buy.  Higher interest rates would mean you may have to settle for a bit smaller home than you originally had planned.

 

One of the things that you may consider to lower home loan interest rates is to consider if you are willing to pay points or not.  A point is 1% of the total loan amount.  It is the up front fee that would reduce your monthly interest rate and the total amount of interest over the length of the loan.  By paying points you are essentially buying your way to a better rate and trading between paying now vs. paying later.  Paying points should only be considered if you plan on keeping the loan for at least four years.  The reason this is suggested is gives you time to get back the upfront money with the lower monthly payments.

 

Another factor to consider in regards to Hard money loans in Tampa is home loan interest rates length of loan.  A typical 30 year mortgage will have a higher interest rate than that of a 15 year mortgage.  The 30 year mortgage will have lower monthly payments but you would pay thousands of dollars more in interest rates over the life of the loan than that of a 15 year mortgage.

 

Also a higher down payment would have a positive effect on home loan interest rates.  This down payment would typically need to 20 percent or more.  This would furnish you with more equity in you home giving you a much better interest rate.                                                                                                                                                                                                                                       

 

Most lenders offer a variety of options to help assist you with home loan interest rates.  When shopping around make sure you are looking at comparable points and rates amongst the different lenders.

 

One of the final things in regards to considering with a home loan interest rates is, do you want a fixed rate mortgage or an adjustable rate mortgage.  A Fort Lauderdale mortgage loans fixed rate will allow you more money, is fixed throughout the life of the loan.  This kind of loan the interest rate stays the same.  The other a variable rate has the possibility of going up or down bed By paying points you are essentially buying your way to a better depending on the current market.

 

Do your homework on home loan interest rates, choose between one of the many programs offered and then decide on how much a down payment you can afford.  In the long run this research will pay off handsomely for you.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           


Affordable Auto Insurance in Chicago: Best Agencies & Discounted PremiumsAffordable Auto Insurance in Chicago: Best Agencies & Discounted Premiums

Intro to Auto Insurance in Chicago

Chicago is a bustling city with millions of people driving on its roads every day. This makes auto insurance an essential need for anybody that wishes to drive in the city. Accidents can occur at any moment, as well as having insurance ensures that damages and also injuries are covered.

The state of Illinois has minimal insurance demands that all drivers have to satisfy. These include property damage liability and also bodily injury liability coverage. Nevertheless, customers have the option to buy added coverage such as accident or uninsured motorist bodily injury coverage.

Factors such as age, credit rating, driving record, and also place can influence the price of -. Drivers with a clean driving record might be eligible for less expensive rates compared to those that have actually been associated with accidents or gotten traffic infractions. Insurance companies likewise take into consideration the risk associated with insuring individuals based on their location within the city.

The reason Chicago drivers need car insurance

Chicago is the 3rd most populous city in the United States, with a population of over 2.7 million people. With a lot of drivers when driving, it is necessary for Chicagoans to have car insurance coverage that protects them monetarily in case of a crash. Insurance companies supply various kinds of insurance coverage to meet different requirements and spending plans.
Illinois has minimum needs for auto insurance coverage, that include liability coverage, uninsured motorist coverage, as well as underinsured vehicle driver protection. While these minimum requirements may be enough for some drivers, others may want much more comprehensive coverage options. The cheapest car insurer isn`t constantly the very best choice since they may not provide sufficient service or protection.

Factors such as credit score, age, driving record, kind of vehicle driven as well as traffic patterns can influence rates for drivers in Chicago. Usually rates are greater than national averages as a result of high traffic locations around Lake Michigan as well as other factors discussed above; nevertheless there are ways to find lower rates by shopping around amongst auto insurance companies who supply price cuts based upon safe driving routines or bundling policies along with house or life insurances which might lead to significant financial savings in time without compromising top quality service from insurers using these kinds of benefits!

Minimum insurance guidelines in Illinois

Illinois state legislation needs all drivers to bring a minimum amount of auto insurance. This is to guarantee that in the event of a mishap, there is coverage for any kind of bodily injuries or building damage sustained by others entailed. The minimal requirements include $25,000 each as well as $50,000 per accident for bodily injury coverage as well as $20,000 for property damage coverage.

It`s essential to note that these minimal requirements might not be enough to totally cover expenditures in the occasion of a major accident. It`s recommended that drivers take into consideration buying extra coverage options such as uninsured motorist or comprehensive coverage. Furthermore, factors such as driving history, type of vehicle possessed and credit score can affect insurance rates.

Those with poor credit may deal with greater insurance premiums than those with good credit as a result of regarded risk levels. Individuals that have been entailed in accidents or have actually gotten traffic violations will likely see greater rates contrasted to those with clean driving records. Insurance discounts are available for risk-free driving routines and certain professions such as instructors or participants of professional sports teams.

When choosing an auto policy in Illinois it`s important to thoroughly consider one`s profile and also needs prior to picking a strategy. Comparing different providers` offerings can aid find affordable auto insurance while still preserving ample coverage levels must a mishap take place resulting in medical bills or other expenditures connected to bodily injuries or building damages brought on by oneself or an additional driver when traveling without adequate Coverage options.

Factors Affecting Auto Insurance Rates in Chicago

Chicago drivers are always on the lookout for the cheapest rates when it pertains to auto insurance coverage. Insurance providers take into consideration various factors before offering an auto insurance premium, including age, driving record, as well as accident rate. Married drivers have a tendency to get reduced premiums contrasted to single ones due to the fact that they are regarded as more liable behind the wheel.

Fault drivers likewise experience greater insurance costs than those who have actually not been at fault in any kind of accidents. Insurance agents advise full-coverage insurance plan for those searching for thorough defense versus liability per accident and also damages triggered by natural disasters or theft. The annual cost of auto insurance can be broken down into monthly premiums that differ depending upon the policyholder`s place, kind of vehicle, and also other personal information.

When shopping around for auto insurance quotes in Chicago, it is vital to supply proof of insurance before supporting the wheel. Drivers can now lug their electronic insurance card rather than a physical duplicate as long as it is accepted by their provider as well as state authorities. Teen drivers usually encounter high premiums as a result of their lack of experience when driving and also raised probability of accidents.

To conclude, comprehending all facets of your car insurance policy is critical when trying to protect affordable rates while maintaining sufficient protection. It is essential to contrast various policies from multiple providers prior to picking one that fits your needs best. By doing so, you can ensure that you get the cheapest auto insurance possible without compromising high quality defense while driving in Chicago streets.

Understanding Auto Insurance Coverage Options

Chicago is the third-largest city in the United States and has a history of accidents on its active roads. This makes car insurance in Chicago a need for all drivers. The minimum insurance needs in Illinois include liability coverage, which covers bodily injury as well as residential property damage to others if you are at fault in a crash.

Property damage coverage is likewise required by legislation, which covers damage to fences, buildings, or various other structures triggered by your vehicle. The minimal limit per accident for both these coverages is $25,000. Nevertheless, it is very important to keep in mind that these limitations might not suffice to cover damages in case of a significant accident.

Auto insurance rates vary based on individual factors such as driving record and also age. An 18-year-old male without driving experience will certainly have higher premiums contrasted to a person with a clean driving record who has actually been driving for years. Protective driving discounts are available for those that finish defensive driving courses approved by their insurance firm. While average prices can give a suggestion of affordability, there are still a variety of factors that affect car insurance prices beyond just the city average.

Generally, recognizing car insurance coverage options can help drivers make informed choices about their car insurance needs while navigating Chicago`s hectic streets. Cheap Auto Insurance in Chicago might be possible through cautious study and window shopping amongst different insurers using Auto Insurance in Chicago yet eventually it is necessary to make sure ample liability each insurance coverage offered potential risks connected with high-traffic locations similar to this busy Midwestern city.