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Installing Roof Deck Protection – Deck Armor

No appear type of roofing system your home has, it remains a great idea to have your home inspected vehicle a year to store it working very well. You may own a home with steel roof, shingle roof, or possibly a shake home. It is easy to pick which type of roof own by such as it involving. If you are still unsure, a skilled person can a person determine sort and assist a in order to keep on top of proper maintenance.

In with the top and bottom rails are the so-called balusters or pickets which normally use the 2x2s. Shopping lists or pads actually be screwed straight away to the metal roof 0.6 C Deck without a new bottom track. Balusters and posts are offered in different designs while the colonial, twisted, tapered, plain, square and Victorian.

And should you be the snorer, bring some ear plugs to give away. Seriously, I’ve been in dorms where i thought this was done and everyone was really appreciative. The guy knew he snored but just the same wanted the dorm room deal, so he certain he didn’t keep everybody else awake. And so it worked.

The roof deck (usually plywood or 1x slats) could be inspected for damaged wood that could be replaced for strength and also giving the actual roof system’s nails lots of holding force.

Now, precise measurements are needed to be added with a bonus margin of around three times the actual sizes on each side. The frame pieces would be cut down on from a 1 inch by inch of metal decking with offset metal snips which can trim straight or angled drops.

One day, the roof will work as new normal, and Soon we will be glad because [I really hope]. I’ll see purple trim and peony bushes, and I am going to think of my neighbor and the kind of of position of royalty she thinks. That blazing purple will be my inadvertent reminder to relax, require things so gravely, so you can look instead to every in my life, not the things: the joy of a child, the love connected with a spouse, or perhaps the loneliness associated with a neighbor.

There’s pointless to trade in a restful environment as a high-quality metal roof. A great insulating blanket, you will keep your home as peaceful as you want it in order to become. Thanks to the durability and excellence of metal roofs, you shouldn’t have to be concerned about any repairs for quite a long time. Make sure that there is an asbestos removal company come out if have not already, though, to ensure that your home is really as safe as possible. When that’s done, you can rest assured that your house is wonderfully peaceful and completely hazard-free.

HDFC Credit Cards are nothing short of getting called ‘Wow’ due to distinct offers, privileges, etc

HDFC Credit Cards are nothing short of getting called ‘Wow’ due to distinct offers, privileges, etc. These cards cater to a large segment of people from dining & shopping freaks to avid travellers & cinema goers. The purchasing power of these cards makes everyone become their fan. But all that happiness and pleasantries vanish when you fail to pay on time and let penalty & taxes add to the bill the next cycle. If the pattern continues, the bill would mount beyond your paying capacity very soon. However, if you go online to make HDFC Credit Card Bill Payment, you can not only be free from all those charges but also enjoy a greater degree of comfort. There are several online payment methods that you can use to pay your HDFC credit card bills. Let’s glance at all one-by-one.

Auto Payment – Best Method for Those Riddled with Hectic Schedule

You can activate an ‘Auto Pay’ to get your card bills paid on or before the due date. The best thing is that you can do it online by logging on net banking of either HDFC Bank or other banks. While doing so through HDFC, you won’t have to add card details as that would be already there. You can straightaway register to Auto Pay by clicking on the same. But, if you are logging through other banks’ net banking, you would need to add HDFC card details such as card number and name as written on your card. So all those tied up with a hectic schedule can just opt for this route to pay their bills on time.

HDFC Credit Card Payment through Debit Card

You can pay your credit card bills via debit cards online. There are many payment gateways through which HDFC credit card bills can be paid. You just need to enter the credit card number, e-mail ID, payment amount, select the bank from ‘Drop Down’ and click on ‘Pay’ to see several payment options emerging on the screen. You can choose a debit card, enter its number and expiry date before making a payment. After that, you need to give a request for One Time Password (OTP), which will be sent to your registered mobile number. Just enter that in the space prescribed and pay.

HDFC Credit Card Payment through NEFT

You can add the card for NEFT, which stands for National Electronic Fund Transfer, by sharing the details correctly. So, when the bill gets generated, you can login to net banking and transfer the bill amount via NEFT.

HDFC Credit Card Statement

Do keep an eye on the statement to know the bill amount and how it has arrived. If at all you find any discrepancy, report it immediately so that the concerned card issuer can take necessary actions to resolve the issue. The statement, in addition to showing the bill amount, also provides details on the reward points you have earned so far. The reward points you earn will be valid for 2 years from the date of accumulation. You can redeem these points against movie tickets and exclusive products at top retail outlets,

Vikas Das, a noted finance expert, has come with his views on HDFC Credit Card Bill Payment methods. So, read and understand the methods. For More Details: website Best HDFC Credit Card Bill Payment Methods to Stay Away From Default

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Women step forward in push to nurture African climate scientists

By Busani Bafana

BULAWAYO, Zimbabwe, Jan 13 (Thomson Reuters Foundation) – As a child, Kenyan meteorologist Saumu Shaka helped out on her parents’ small farm growing maize and pigeon pea – and learned how the weather can hold food producers hostage.

“Looking back, the yield has declined over the years,” said Shaka, 28, who works with the Kenya Meteorological Department.

A decade ago, her parents would get 25 sacks of maize from their six hectares in Taita Taveta County, southeast of Nairobi.

Today that has dwindled to five bags at most, because of erratic rainfall that can also spur crop-destroying pests.

As climate change fuels extreme weather and threatens harvests, Africa needs more scientific expertise to help small-scale farmers adapt, especially women who tend to be hit worst, said Wanjiru Kamau-Rutenberg, director of Nairobi-based group African Women in Agricultural Research and Development (AWARD).

According to the United Nations´ Food and Agriculture Organization (FAO), women represent nearly half of farmers in Africa and produce up to 80% of basic food crops.

They are also largely responsible for preparing, storing and processing food.

But in many cases, the FAO says, they have limited rights, mobility and access to resources, information and decision-making power, making them more vulnerable and less able to adapt to climate change impacts than men.

“This means women´s continued underrepresentation in climate change research is no longer acceptable,” said Kamau-Rutenberg, noting that few have opportunities in science education.

AWARD is leading the One Planet Fellowship, a new initiative that will train 630 African and European scientists to use a gender lens to help African smallholders adapt to climate shifts, unusually offering Africans the opportunity to serve as mentors.

Under-investment in African scientific research capacity means “we still don´t even know the specific ways climate change will manifest … in Africa,” said Kamau-Rutenberg.

In September, the three-year career development programme welcomed its first cohort of 45 fellows from Kenya, Tanzania, Nigeria, Zambia, Malawi, Benin, Ivory Coast, Senegal, Togo, Mali, Ethiopia and Burkina Faso – over half of them female.

The aim is to “set an example and dispel the myth that there are no African women scientists ready to step into leadership”, Kamau-Rutenberg added.

AWARD collaborates on the initiative, worth nearly $20 million, with the Bill & Melinda Gates Foundation, France´s BNP Paribas Foundation and Agropolis Fondation, the European Union and Canada’s International Development Research Centre.


As one of the inaugural fellows, Shaka is seeking home-grown solutions to the challenges faced by farmers like her parents, who are battling to grow enough food on a warming planet.

Her research focuses on cost-effective “climate-smart” agribusiness techniques to help young people boost jobs and food security, which she will promote on social media platforms.

African scientists “have firsthand experience and solutions that are practical and applicable to their societal set-ups within their individual countries”, she said.

Women scientists, moreover, are better able to understand the specific challenges in designing community-tailored solutions to help fellow women, said the senior meteorologist.

Droughts and floods, for example, impose a health burden on women, who have to walk long distances in search of water and stay alert to the risk of waterborne diseases, she noted.

Pamela Afokpe, 27, an AWARD fellow from Benin, said “in-continent” experts could relate to the needs of African farmers more easily.

Afokpe, a vegetable breeder with East-West Seed International, is working to get more farmers growing indigenous leafy vegetables in West and Central Africa by helping them access high-yielding varieties resistant to pests and diseases.

Up to now, a limited number of African experts have contributed to the landmark scientific assessments published by the Intergovernmental Panel on Climate Change (IPCC), which synthesises research and guides policymakers.

Out of 91 lead authors of the 2018 IPCC special report on limiting global warming to 1.5 degrees Celsius, only eight were from Africa, as were just a tenth of the 783 contributing authors.

South Africa´s Debra Roberts, co-chair of a working group for the IPCC ongoing sixth scientific assessment report and the first female co-chair from Africa, said the panel’s work showed tackling climate change required all of society to respond.

“Women have different lived experiences and views on the problems and solutions,” she said.

“We need to hear those voices if we are to be able to identify context-relevant solutions from the scientific literature. There is no one-size-fits-all,” she added.

Over the IPCC’s three decades of operation, there have only been three female co-chairs, two of them on the current report, she noted. “We have a long way to go still,” Roberts told the Thomson Reuters Foundation in a telephone interview.


Women also need to be involved in the practical design of climate solutions, such as expanding off-grid solar power and clean cooking, which can reduce drudgery and minimise health issues linked pollution, said agricultural experts.

As forest loss and climate change make resources scarcer, women have to go longer distances to gather fuel-wood, which puts additional pressure on their time, health and personal security, said Katrin Glatzel, a research fellow at the International Food Policy Research Institute in Dakar, Senegal.

In Mali, a public-private partnership has provided 1.6 million people with more efficient stoves, reducing pollution by half compared to a traditional three-stone fire, she noted.

Glatzel said it was important to include and empower female scientists and farmers in the switch to cleaner, modern energy, so that their concerns could be addressed.

A 2019 survey by charity Practical Action in rural Togo found women prioritised energy for pumping drinking water and processing crops, while men favoured mobile-phone charging and heating water for washing, she noted.

In northern Benin, meanwhile, a solar-powered drip irrigation system means a cooperative of 45 women now fetches water one or twice a week rather than daily, she added.

Bringing women on board with technological innovation for rural energy services is key “to ensure that end products meet their needs and those of their families”, she said. (Reporting by Busani Bafana; editing by Megan Rowling and Laurie Goering. Please credit the Thomson Reuters Foundation, the charitable arm of Thomson Reuters, that covers humanitarian news, climate change, resilience, women’s rights, trafficking and property rights. Visit website


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Learn The Differences Between FICO Scores And Credit Scores

Many people often interchange the term FICO score and credit score. With the creation of three major credit bureaus; Equifax, Experian, and TransUnion. Three organizations come in existence, but it’s only one that is the credit score body.

FICO stands for Fair Isaac Corporation introduced the scoring formula to the credit market with the purpose to come up with the same way to measure data in credit reports by assigning a grade to the data.

Roughly 70% of all lending establishments consist of mortgage companies, banks, and credit card companies depend on the Fair Issac Corporation version to qualify their applicants. A lot of mortgage lenders stick with this version when deciding on home approvals. But probabilities are that a lender that you approach for a loan is using your Fair Issac score to qualify you as opposed to your in-house credit score.

Each of the bureaus has a business plan with Fair Issac Corporation to provide a version of the scoring model for their services thereby allowing them to have individual, unique versions of your credit report.

For instance, when you match your score in the three credit bureaus, Equifax could be 640, TransUnion 675 and Experian 625. When you resolve to pull your credit scores online make sure you are receiving your Fair Issac version and not any other, mostly because this will be the one that best represents your credit merit in the market. Just know that almost all home lenders usually use your FICO to grade the terms on your mortgage loan.

What is a Good FICO SCORE?

Working as a credit repair company for the past few years, we have been asked this question quite some time. The most straightforward answer is 720 and above. Of course, a good FICO score doesn’t promise you the best rates on a mortgage or even a car. A lot of our clients that ask us this question do certainly have good credit, and they know it. By asking us “what is a good FICO score” the client is subliminally telling us “hey friend I get the best rates so don’t get it difficult.”

For the most part, these clients are right; a good FICO score does commonly mean the best rate. Nevertheless, putting a loan together we have to gaze at all pieces of the pie. We have quoted borrowers with excellent credit rates that made them want to slap us. A good FICO score opens the gate for programs that people with lower credit scores can’t even consider. However other pieces of the pie can bump your rate upwards.

For instance, what if you have a good FICO score but cannot show that you have enough income to come up with the money for the loan? What if your home is over the conforming loan sum and considered a massive mortgage? What if you are on fixed pay and living off of your retirement funds? The bottom line, we can help a person with brilliant credit into a loan like this, but their rate will be over the average price you usually see posted online.

Some mortgage packages and car loans have the lowest credit score and once you touch that plateau all the rates are the same. Meaning, if another person has a 640 credit score and you have a 720 credit score, and both of you apply for the same mortgage the other person rate will be the same as yours under conforming guidelines. Some car loan guidelines work the same way. The difference between the two scores is you may qualify to buy the car or house without a down payment where the other person may have to put 5% down.

So What Is A Good FICO Score Now?

Credit scores operate from 450 – 850 on the FICO scale. After a few years of pulling credit, we have never seen either statement, we have seen close though. If your credit score that starts a “4” is perhaps not going to get credit, there are exclusions, but by in large we are right. Usually, 500 – 599 is considered to be poor credit, D paper, sub-prime paper, these borrowers may get the loan but they will pay very much for it.

FICO scores range from 600 – 660 are grade as “c paper” up to “b paper.” These borrowers can expect to pay a higher price on credit cards, car loans but not necessarily when it comes to mortgages. When your FICO score reaches 680 – 720 you can always expect to get the same rates as the person with the best FICO score.

If you have a credit score ranging from 721 – 850 you will qualify for the best rates, all of the packages and perhaps get your bootie kicked by whoever is extending the credit.

I’m Robert Hughes CEO of Priority Tradelines LLC ; comes into the business in the credit repair from 2011. I help those peoples who having issues to deal with Tradelines score, to embark the credit score at its own height. Protecting your private information is first priority and fixing report points as quick as we can is our pleasure.

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Credit Card Fraud – Types & How to Prevent

The attacks on credit cards target the number, expiry date and other important information like CVV on the card. If the card has been charged fraudulently, the cardholder must take some quick actions in order to minimise the damage.

Types of Credit Card Fraud

Physically Stolen In case of this, the card can directly be used for transactions and in order to control the damage, the customer needs to report the lost/stolen card right away.

Skimming Using electronic devices and machines that read and duplicates the information is called skimming.

Phishing Stealing the information through deceptive e-mails is called phishing. In phishing, the theft is done by making the e-mail look like an official one with fake company logos and website addresses. The same can be done telephonically with fraudsters disguising themselves as bank officials and asking for the card details from a customer.

How to Prevent Credit Card Fraud

One should never reveal their details or information to any telecaller and should never reply to any suspicious e-mail. The fraudulent e-mails and calls are very commonly occurring instances nowadays. In these cases, the customer must contact the bank or report the number.

One should always report a lost/stolen card right away in order to prevent the Consequence. The blocking will prevent any further misuse. The banks have a dedicated helpline that provides its customers, the much needed support in these cases. The customer should inform the bank as early as possible in such cases.

One should always monitor his statements from time to time. If he notices any transaction that was not initiated by him, he should report it to the bank and get the card blocked as early as possible.

The cardholders are also recommended to install virus protection on their computers and use caution while shopping online or paying bills online. The suspicious looking payment pages and online shopping sites should not be used for online shopping.

Banks can prevent such cases by monitoring the charging behaviour of the customer on the card. If they notice something unusual, then the card needs to be blocked till a proper verification with the customer.

The merchants can help preventing such fraudulent cases by issuing receipts for the transactions without the full card number on them and by not storing the information in their computer systems. They can also request for additional information and perform geolocation validation.

It can also be minimised with the latest technological features for payments like 3-D secure, EMV, Point to Point Encryption etc.

I am Siew Kuan an avid reader and a prolific writer and work for An Investment Banker by profession and a writer by passion. Mostly I write on subjects related Financial stuff.

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I’m ready for a robot nanny to rock my baby

id=”article-body” class=”row” section=”article-body”> The Snoo promises to rock your baby to sleep. Note: This is not my baby.

CNET This story is part of CES 2020, our complete coverage of the showroom floor and the hottest new tech gadgets around. My 3-month-old son wails like he’s being tortured as I strap his arms down in what looks like a kiddie version of a straitjacket. There’s a twinge of guilt that rises up within me, but I power past it as I tuck his legs into the swaddle and zip him up, securing him to the bassinet. But this is no ordinary bassinet. I press a button at its base, and white noise cranks up as a mechanism beneath sways him back and forth. Pacifier in mouth, he coos in opposition.

But within minutes, he’s fallen asleep.

That’s right, I’ve outsourced my bedtime duties to what amounts to a robot in the form of the Snoo bassinet. And yes, I constantly question whether I’m a good parent.

If you don’t have kids, the name Snoo will fly over your head. But bleary-eyed, exhausted parents with babies have surely heard about the $1,300 bassinet that promises to rock your kid to sleep for you.

The Snoo was just one of a myriad of baby tech products making an appearance at CES 2020 in Las Vegas last week, and it’s no longer alone. 4Moms, known for its own high-end, polished baby products and its MamaRoo swing, showed off its own smart sleeper, which launches in February for $330. They were joined by an array of other baby tech at the Sands Convention Center’s startup area, known as Tech West, underscoring just how entwined technology has become with every aspect of our — and our children’s — lives.

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