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No one wants to go bankrupt. It carries serious consequences that will doom your financial future over the short and longer term. This is why many financial advisors will recommend it only as a last option. One of the best alternatives to bankruptcy is entering into Part IX debt agreements with your creditors. The Debt Agreement is an arrangement that is negotiated with creditors and it is governed by government legislation. It is a low-cost alternative that you can take over bankruptcy and is suited for individuals who have lower incomes or who have few assets or no assets at all. It is an option that you can use if your personal debts are below $107,307.20 and you net income is less than $80, 480.40 annually. You can use a debt agreement calculator in order to get information on the amounts that you are likely to pay if you enter into these kinds of negotiated agreements with your creditors.
The debt agreements are generally negotiated by counselors who have the requisite experience when it comes to negotiating these kinds of agreements. These can include the following:
- Private Trustees
- Debt Counsellors
- Debt administrators’
Once the debt agreement has been negotiated, it must be lodged with AFSA or the Australian Financial Security Authority. The authority will subsequently get in touch with your creditors in order to determine if they agree with your debt agreement proposal. If 75% of the dollar value of your debt creditors agrees to the proposal, then it will be binding and you can proceed to execute the debt agreement. You need to have the right information when you are preparing your proposal. For example, you need to have a good estimate of your debt levels. You can estimate your debt using a debt agreement calculator by the Debt Helpline at http://www.debthelpline.com.au/calculators/.
The debt agreement calculator will help you in calculating the amount of repayments that you need to make when you negotiate debt agreements with your creditors. You will know the estimate of the amounts that you need to foot over the course of your loan as well the duration of time that it will take you to clear your debt. Click Debt Helpline for more info.
It is an important tool that will give you very good insights into your credit cards and you will begin to understand why your balances are seemingly not going down in spite of your struggles to clear your debt repayments. All you have to do is enter your debt balance, the amount of your monthly repayments as well as the interest rates which you are paying.
Under income and accommodation, you will input details such as your annual after-tax incomes, centre link income, annual rent and mortgage repayments, annual home insurance payments, annual home maintenance costs, annual land rates, and body corporate costs.
You will also input the annual costs for utilities and personal transport such as gas, electricity, water, phone, mobile, data, health insurance, shopping, registration and insurance, and car loan and cost of fuel. There are also options for kids and unsecured debts amongst other miscellaneous expenses. Based on the comprehensive information that you have provided, the debt agreement calculator will compute your monthly debt repayments and other important financial details such as current debt, monthly repayments, debt agreement repayment, the frequency of repayment, total repaid under debt agreement, the term of debt agreement and debt that is legally written off. It even calculates total savings after the debt agreement. For more information on the debt agreement calculator, check out http://www.debthelpline.com.au/calculators/.
Barrels, metal plates, wooden boards, heavy plastic sheets and glass sheets are heavy and sensitive things to move. With the weight they possess, they are hazardous to human physique should you manually lift them. They need a workhorse, and more hands to perform the task if you have no device to use in carrying them. Apart from being costly, doing so is risky, as well. If one’s physical strength is no longer capable of things you want moved, or the immovable objects seem so unsafe to carry with some lifting device, then a vacuum lifter is the answer.
Vacuum lifters are designed to handle flat, large and non-porous objects. For instance, you want to load or unload barrels and tubes then the vacuum tube lifter is the proper apparatus. Below are some the noticeable benefits the lifters can contribute:
· It is work efficient and will not damage the heavy loads while on handling;
· It works ergonomically and will secure the health of the operator since it does not require too much energy and sweat to operate;
· It helps to render excellent performance, safety in work and process reliability because it is modular and is set on its standard operation;
· It is durable and long lasting because it is made of a sturdy mixture of aluminum, steel and plastic; and
· It is not costly in power consumption. It can operate at low cost due to its energy saving mechanism.
Designs, Functions, and Uses
While a vacuum lifter has modular design, a lot of fundamental modules, load beams, operator grips and siphoning plates will allow customization in accordance to your style and needs. Through the suction or siphoning plates, the suction force implemented will serve as the reservoir. So with a compatible crane plus a chain hoist, lifting in up and down motion is potentially possible. Know more about Millsom Materials Handling here.
Lifter manufacturers nowadays have offered a variety of uses to match different needs. There are horizontal grips that are designed with heavy airtight for pieces weighing 2,000 kilogram, at the maximum. On one hand, there is horizontal handling, too, for smooth and airtight objects bearing no external source of energy. There are sack vacuum lifters Australia market provides, as well, that perform just like the multi-purpose lifters for heavy wooden flats and boards. It operates in vertical grip for objects at 90 degrees from horizontal motion, or from left to right direction. And for glass sheets, windows and any other objects with glass components, a vertical grip is recommended for easy lifting.
Moreover, narrow objects like beams, boards and planks with width not less than 120mm, a horizontal handling is required. For coils, there is a vacuum lifter to handle its slit strips with the design set to properly position the coils into the de-coiler mandrel.
With numerous benefits and advantages of a vacuum lifter, working in heavy industries with heavy work piece is no longer a hindrance. The invention is to suit the blue collared workers to work comfortably, efficiently and with safety in mind. Please visit this site http://www.millsom.com.au/products/vacuum.
The value of the global market for inkjet printers will leap to over $67 billion in 2017, up from about $33 billion in 2011, according to findings of a market study published at the Smithers Pira website. These statistics are simply saying that the total market valuation of inkjet printers will double between 2011 and 2017. And this trend is expected to be cascaded through the rest of the sectors, such as repairs, maintenance and peripheral products, that constitute the printing market. Therefore, talking matters printer maintenance, prospects point towards the emergence of a robust market with highly rated repair companies capable of handling sophisticated printers from leading global brands such as Hewlett Packard (HP) and Canon. It is particularly interesting that HP inkjet printer repair outlets are fast emerging as a result of the brand’s popularity in its target markets. With that, people conveniently get Inkjet repair advice from the experts at HP & Canon from service companies.
The repair market for HP Inkjet printers
Demand for HP inkjet printer repair services is expected to rise with the increase in unit sales of the printers. Whereas the growth of volume sales is always sweet music to the ears of manufacturers, sometimes it can present the challenges of executing warranties to customers, distribution franchises, and printer repair outlets. For example, like the rest of HP products, HP Inkjet Printers usually have standard factory warranties, typically 12 months, but the company offers its customers the option to buy warranty extensions. In the U.K., for example, HP customers can extend warranties for the company’s printers at a fee of about £8. An extended warranty would allow you to freely access HP shops, or the company’s appointed dealers, for HP inkjet printer repair services for factory-related defects. You can always check the status of your warranty by keying in the serial number of your HP inkjet printer into a web-portal at the HP Corporate website. Alternatively, you can seek for inkjet repair advice from the outlets that specialize in printer repairs. The idea behind such an approach is informed by the realization that HP inkjet printer bears unique product specifications that may require experts that fully understand its technical composition.
Sometimes, you may be tempted to underestimate the significance of advice when shopping around for credible printer repair outlets. But when dealing with HP inkjet printers, you should always remember that these are sophisticated equipment that require specialized care. Seeking inkjet repair advice from the experts at HP & Canon could go a long way in saving you the pains of moving your printer from one repair workshop to another while trying your luck in finding technicians capable of eliminating the printer’s defects. The more the technicians at different repair outlets unscrew and play try and error with your inkjet printer, the more it acquires more defects. At the end of the day, you might end up spending the double the amount of money you would have spent had you consulted credible printer repair experts. Moreover, the search for inkjet repair advice from the experts at HP & Canon comes with extra benefits of building networks with industry experts that can always guide you by phone or correspondence whenever you encounter problems with your HP inkjet printer. For more details, just visit http://gom.com.au/blog/inkjet-repair-advice-from-the-experts-at-hp-canon/