Precast concrete construction

In the mid-1990s, I was running a civil design department for a large EPC contractor in Southeast Asia. We received an order to build a paper plant.

The main building of a paper plant is the paper machine building. The typical paper machine building is about 300 m long. The building normally has two floors, one at ground level and the other at about 7.5 m above sea level. The paper machine is installed on a base that is not connected to the building. The machine is accessible from the machine room at a level of 7.50 m. This building houses other complex and heavy machinery and has very strict requirements for quality, structural design and stability. The ceiling is high and some of the sections of this building are subjected to temperatures between 50 and 60 ° C. A large bridge crane runs the length of the engine room upstairs. Differential settlement at the base of the paper machine should be less than 1mm and total settlement at any point less than 1.25mm. This building, with all its components and the foundations of the equipment, usually takes 18 months to build.

Our managing director was an innovative man and was constantly looking for ideas to speed up construction. One day, he called me into his office and showed me an article that recounted a company in the United States that had developed techniques to build a paper machine using precast elements. The construction of this paper machine was completed in a record time of 6 months, the article says. We appointed the American company as our consultants and they did the engineering with the help of our engineers in our office. We built our paper machine building in one year reducing the time by approximately six months. This was despite a delay of about three months due to the learning curve and the time required to install a precast plant.

Thus began my twenty-two year association with precast concrete. My old company has built several large industrial plants and other structures since then.

In many first world countries precast elements for bridges, culverts, have been standardized. Precast units are located near major cities that supply these elements to construction sites. This not only reduces construction time, but also design time, since standard elements whose properties are known are used.

There are variations of precast concrete construction, such as sloped construction, module accessories, etc.

I have often wondered why India, with so much construction needed in all construction sectors, has not embraced this technique. Apart from other issues such as the need for repetition, unfavorable taxes, transport requirements or lifting machinery, etc., I think our engineers have not seriously thought about developing this technique.

I would like to share some of my learnings.

1. Planning is paramount: the structure to be built from precast elements must be broken down into elements, in a predetermined configuration. It is like making the pieces of a puzzle that when put together will form the complete puzzle. It can be a combination of standard and non-standard parts.

2. God is in the details: Each element so planned has to be detailed to fit all the elements on all sides and the required inlay for public services.

3. Design the Construction and Build the design: Normal structural engineering practice of designing the final product and leaving the “How?” construction personnel, does not work in precast. The structural engineer must be involved in the precast, assembly, and placement process.

As far as I know, the IS codes do not have specific provisions for precast structures unlike the ACI or BS codes. Some of the clauses of ACI may be replaced by provisions of its supplementary publications. Such provisions should be applied prudently after proper evaluation of the life stages of the item. A leading pre-casting expert once said, “Applying the provisions of the RCC code to pre-pitch would be like playing tennis with a baseball bat.”

The structural design of a precast element is done for various stages of its early life. Multiple level controls are required until the element is placed, more controls are required if it is a prestressed element with partial disunity of the tendons.

4. Joints can cause headaches: Solving and setting up a joint between precast elements can be a daunting task. It becomes a heuristic process to balance structural requirement, functionality against basic consideration such as watertightness, and size of elements to which an element is attached under consideration. Joints must be constructed as intended.

5. Cutting your ears off because they stick out not only damages hearing, but also creates difficulties in wearing glasses – this has been known to occur frequently when architectural requirements are of prime importance. Some architects generally dislike some essential arrangements created for better joints. Removing these “hindering” details can lead to a reduction in the functionality of the joints or elements. Costly workarounds are required to restore functionality.

6. Construction methodology can make or break a project: Many years ago, a large bulk warehouse was being built in India with prestressed precast concrete arch beams as roof trusses for a fertilizer plant. Of the twelve bowstring girders, six broke while being lifted, while the others were erected without a hitch. The designs were double-checked and double-checked and re-checked. This was before the easy availability of the sophisticated finite element analysis that we have today. Finally, someone realized that the bowstring girders broke because a girder, being lifted in tandem by two cranes, went out of plane due to different lifting speeds. A structural engineer designing precast elements must, therefore, have knowledge of the lifting process.

7. Quality is the watchword: the constant quality of production is one of the arguments put forward by the defenders of precast elements. But there have been many misalignments, rejects and failures because only the quality of the concrete is observed and less importance is given to the placement of reinforcement embedments and dimensional tolerances.

8. A one rupee increase in production cost can mean one rupee rupee in the end: Due to the repetitive nature of precast cost, a lot of thought must be given to using any “nice to have” component. While looking closely at the most obvious cost elements related to concrete, a small inlay or detail, which is incorporated into the design and casting of an element for probable use, escapes attention. Such inlay that was proposed to be used and has melted into the item has already added to the cost of producing the item. When multiple of these items are thrown in, the expense can be substantial. If such redundancy is not removed in time, you can waste thousands of rupees.

Online Assessments – A Smarter, Smoother Hiring Process

Is there a remedy to shorten the time required to fill a position without negatively affecting the quality of the recruitment? The answer is yes. Today, almost everything is online, and it is no wonder that online assessments have grown to be strategically very important to organizations in their search for the optimal talent acquisition experience.

Approximately 86% of those surveyed in an Employees Today survey understood that online recruiting is less expensive than almost any other recruiting method. About 90% believe that online recruiting is simple and easy to use. Other surveys suggest that more than 80% of the future workforce prefer online assessments, believing the assessments to be reasonable, accurate, and easy to complete. From a hiring standpoint, the use of online job suitability assessments has continued to grow exponentially over the past few years. State-of-the-art improvements have made screening people at job fairs, promotions, and client office buildings a normal feature.

Benefits of Online Recruitment Assessments

Hire the right level of skill:

Along with increasingly intense competition for careers, selecting the “right” person becomes increasingly essential for a recruiter. Online assessments help employers looking to hire the best person for the job by verifying that they are a good fit for the job and have high potential. Implementing an online talent screening process not only eliminates poor job applicants before the interview, but also helps managers fill positions more quickly with the right people.

Affordable and time saving:

The hiring cost includes the following items: job description writing, advertising, employee referral fees, travel costs incurred by employers and candidates, company hiring costs, screening and evaluation costs, interview time for hiring managers, administrative support and other incidental expenses. Running recruitment reviews online reduced a substantial area of ​​costs incurred to select top talent. With Internet access, online assessments can be done anywhere, anytime for multiple people. Additionally, today’s candidate tracking dashboards make it easy to keep track of assessment results and other important candidate data.

The key components of a high-quality online assessment

The primary consideration for an online quality assessment process is the reliability (consistency) and validity (precision) of the assessment itself. A quality talent assessment process will generally include an assessment of cognitive abilities, interests / passions, personality, and interpersonal skills (eg, EQ).

– A cognitive ability assessment is included to ensure the candidate has the level of ability necessary to perform the job. It is counterproductive to hire people who have too much or too little cognitive ability for a specific position. Too much skill results in boredom or not feeling challenged enough in the position. Too little skill results in feeling overwhelmed and stressed on the job. The person feels stretched or overloaded on the role. Both lead to rotation.

– Personality tests are designed to understand the traits and behaviors of job seekers, especially in a work setting or work context. More and more organizations have used the personality profile as an objective way to assess suitability for employment, training needs and development needs. With an increase in the adoption of screening technology to facilitate good hiring decisions, online talent reviews will continue to flourish as they serve a critical need for employers.

Local Farming: Should It Be Supported By Food Retailers?

This week, I spent a couple of hours working on my CSA farm. I harvested two rows of fingerlings before the storms started and farmer Mary LaFrance kicked me out of the field. I am a member of the Lakeplain Prairie Organic Farm; the only certified organic CSA in Wayne County, Michigan. For those of you unfamiliar with CSA farms, they offer a subscription-based service for fresh, great tasting, local and organic food. Subscribers to this service pay a seasonal rate and agree to work a specified number of hours during the course of the growing season.

As a CSA member, you develop a relationship with a local farmer, receive a weekly serving of freshly picked great tasting local food, and build friendships in your local community. You also develop a strong sense of satisfaction in knowing where your food was grown, when it was harvested, and how far it traveled to your plate.

At first glance, you may think that food retailers are in direct conflict with CSA Farms. It is true that if I get all my fruits, vegetables and flowers from my CSA membership, I will no longer buy them from my local store. If that’s the case, why would my local merchant want to promote community-supported agriculture? If you subscribe to the theory of economic abundance, there are enough resources for everyone. With a little cooperative support and some creative marketing, food retailers and CSA Farms can foster economic abundance in their local community.

Cross-marketing with your local CSA

CSA Farms often supplements its profits by reserving a portion of the farm for direct sale to local retailers. Taking advantage of these freshly picked, locally grown organic produce, these stores not only provide a better product for their customers, but also support local farmers. Don’t keep these locally grown produce a secret:

  • Label your locally grown produce with the farmer’s name, location, and photo, if available.
  • Invite local farmers to your store for a “Meet the Farmers” day.
  • Pass out recipes that promote seasonal produce and provide information about the farm where they were grown and harvested.

Letting your customers know that you support local farmers builds goodwill in the community and keeps dollars flowing between friends and neighbors. Products that are not native to your growing region will also be in demand and must be supplied by your retail store. And remember, your local farmers need to buy too! Support them and they, in turn, will support your business.

Co-sponsoring educational events

Many CSA farms offer classes in canning, freezing, and preserving fruits and vegetables. Co-sponsoring a CSA educational event is a great way to show your support for the community while reminding residents that you can meet all of their shopping needs that are not available through your CSA. The strawberry preserves members are learning to make still require sugar, fruit pectin, and canning jars! Advertising the event with posters in your retail store further shows your support for the community and your local food network.

Kids: Your Next Generation of Local Food Consumers

My CSA farm, Lakeplain Prairie, has a special garden area just for kids. Not only do CSA parent members have the opportunity to complete their service requirement 24/7, children have the opportunity to learn about gardening. Two things kids love is playing in the dirt and being active. Letting them plant, care for, and harvest their own garden does both. The underlying benefit for parents and food retailers is that they are learning. Children will experience a sense of pride and enjoyment growing and cultivating their own fruits, vegetables, and flowers. They also tend to be more willing to try the produce they grew on their own, leading to healthy eating and less risk of obesity. And remember, today’s little farmer is tomorrow’s busy consumer.

As a food retailer, supporting local CSA farms makes good business sense. Cross marketing, educational programs, and involving children are ways to increase retail sales. Long-term benefits to your retail business will come from fostering community goodwill, consumer food health, and a strong local economy.

Rocio Illumini – Twinkle Twinkle Little Star, Sawrovski’s Like Diamonds, That’s What They Are

Rocio Illumini is an exciting new brand of high quality rhodium plated silver jewelry, with each collection named after the stars, this elegant brand is made with ENLIGHTENED (TM) Swarovski Elements. All collections have been created by British designers for exclusive distribution by CL Edwards & Sons.

The included range of jewelry set called Rigel, Alcor, Aquila, Eridani, lalande, Polaris, Capella, Cassiopeia … Each design is designed to unleash the star in yourself. With the fantastic sparkle unleashed by the use of illuminated sawrovski in each design, you will shine like a star on any occasion wearing Rocio Illumini.

Jodie Prenger, who plays Oliver Musical’s ‘Nancy’ fame, has been seen multiple times wearing Rocio on multiple occasions.

Alberto Platz – Swarovski

“Since the launch of ENLIGHTENED (TM) – Swarovski Elements 2008 brand, Rocio Illumini has been the first fully developed jewelry brand in Europe designed with our ingredients.

A high-quality brand that will initially appear in select retail stores in the UK and Europe, including full point-of-sale displays and luxury packaging that will establish a new era in branded silver jewelry. “

So hot on this year’s holiday sparkle list should be the Rocío range. It brings more than a little sparkle to this year’s party. Sparkle and shine in style this holiday season with a little Rocio Illumini. With a complete set of necklaces, earrings, rings, and bracelets available in all 8 designs, you can be in heaven with all of your swarovski jewelry. Enlighten is probably the best word for this range and you really won’t believe they are not diamonds, the cut on these lab created stones is fantastic.

Rocio is available at more than 150 special outlets in the UK. But you can also buy online.

Online Learning Management Systems: The Software Options

With e-learning on a stellar rise, more and more organizations are evaluating how best to introduce or enhance their learning management systems for online courses, virtual universities, and learning portals. Online learning can enable companies to train staff more effectively, from tackling front-end staff development to enhancing the skills of the training department. Companies are also increasingly recognizing the value of social media tools in the workplace and many are considering the best way to introduce discussions and portals online.

A wide variety of software packages are available to enable companies to manage their e-learning system; These include proprietary solutions, in-house developed systems, and open source software. The most appropriate option depends on a variety of factors including: internal skills for initial setup and ongoing administration, the desired sophistication of the learning management system, accessibility, and the number of users (proprietary companies often charge per ‘ seat ‘or by user).

Open source differs from shareware or freeware and can be defined as “both the concept and the practice of making the program’s source code openly available. Users and developers have access to basic design functionalities that allow them to modify or add functions to source code and redistribute it. Wide collaboration and circulation are critical to the open source movement1 “. Such software can be entirely managed by an end-user organization or you can use a third party like HowToMoodle to provide training, hosting, and customization. Many organizations begin their experience with such software with the help of a third party and use the training they obtain to improve the skills of their own staff. They can then choose to manage ongoing administration and use third-party consulting to help them explore more complex facets of the system and its application to their particular training environment.

Choosing software with a strong and active user base helps ensure that the software vendor continues development and ongoing support. For example, the open source software Moodle has more than 48,000 registered sites and the user base has doubled in size in the last year alone. Moodle sites include Dolland & Aitchison, the UK’s largest retail optometrists. They used it to develop tailored training for staff in their 400 stores and support centers after they couldn’t find a ready-to-go package that offered the sophistication in interpreting the training results they needed. The Chartered Institute of Housing has members in more than 20 countries and chose Moodle for its new online master’s course.

When calculating the cost of open source software to the owner, the biggest savings will be the license fees associated with closed source software. The organization is not limited to a particular vendor and gains much greater control, speed of change, and flexibility than would otherwise be possible.

Open source software is no longer just an option for IT nerds. Moodle is a truly intuitive and easy-to-use application that is constantly being added and refined by the team of developers and community contributors from around the world. Closed software is traditionally developed through small beta testing, while open source software benefits from continuous peer review and improvements through its user community. Active and mature open source software incorporates improvements much more frequently than proprietary software, but still follows a published roadmap.

In 2004, open source software for managing e-learning and creating online courses, activities, and communities was a completely new proposition for businesses. Early adopters of Moodle included colleges of higher education that traditionally had good levels of IT expertise internally, but found it difficult to find a ready-to-use system that suited their complex curriculum and customer base. Now the breadth of sectors we deal with is staggering: from the Royal Navy to charities. Open source software is gaining popularity year after year and remains completely free to download and use due to the absence of license costs. Even the European Union’s competition commissioner recently urged the European Commission to use open source software2.

We offer some tips for using open source software to develop a learning management system:

– Think first about the learning outcomes and then what tool will help you achieve them with your students.

– Focus on the activities, try to think beyond the content.

– Don’t think that using open source software means that all the burden falls on your internal team, consider using consultants to train your staff or to help you provide the vision to make your learning management system great

– Choose open source software that has a large and active user base, a sizeable development network, and the choice of external trainers / consultants

– Consider sophisticated open source software that enables learning

management system that will be configured to closely match the objectives of your


– Check how ongoing research and development will be funded or carried out on your proprietary or open source system. There is concern in the industry that proprietary system providers are increasingly merging, which could lead to a monopoly situation. Could you link this mission-critical app to a single company whose business goals you don’t fully understand and can’t influence?

– Think about what other systems you may want to integrate with your learning management system (eg human resources, finance). Open source software is an open system that makes it easier to integrate with other software applications than proprietary applications, and someone else in the open source community may have already produced a free middleware patch.

1. Lakhan S, Jhunjhunwala, K, (2008) ‘Open source software in education’ Educause Quarterly. No

2. Tait N (June 10, 2008). ‘Kroes seeks open source software for EC’ Financial Times.

First published at, November 2008

What is depreciation? Accounting for non-accountants

If you asked four people what depreciation is, you would probably get four different answers:

  1. The amount of attrition of the assets,
  2. An allowance to help replace assets,
  3. Device of an accountant to reduce taxes, or
  4. One way to allow inflation.

All four would be wrong. Accountants aren’t known for explaining things well, which may explain the misconceptions above, but I’ll try to explain it so that:

  1. You will understand something more about your accounts,
  2. You can impress your bank manager and others with your accounting skills,
  3. You will understand why depreciation is on your accounts and budgets, but not on the cash flow statements.
  4. You can better understand and prepare budgets and
  5. You will be able to understand the accounts of companies that you might consider buying or investing in and make better decisions about them.

My explanation of depreciation begins with expenses and assets:

Anything you spend money on, in your business, is what we call debit:

  • You pay your phone bill so that you have a phone expense.
  • You pay for a new car to have an asset, the car.

We pay for both, but accountants treat them differently. Why is that?

The reason is time.

  • Any expense that “runs out” a year from now is an expense – your phone bill is sold out and now you have nothing to show for it. It is an expense.
  • Any expense that is not spent in a year (your car lasts more than a year, hopefully) is called an asset. At the end of the year you still have a car to prove it.

Expenses go to Statement of income* and reduce profit and therefore taxes. The income statement shows your income and expenses.

Assets go to Balance sheet* and have no effect on profits. The balance sheet shows what you owe and own at any given time.

Now, what about assets?

So you buy your car and its cost is entered on the Balance Sheet, along with the land, buildings, plant, equipment, and other assets. The balance sheet shows you what assets you own … but not how much they are worth. These assets stay on your balance sheet until your accountant does something with them … and what he does is depreciate them.

As you know, all assets except land wear out and eventually cease to exist. So we keep the land on Balance at its original cost, until you sell it. We do not depreciate the land.

All other assets will wear out or “wear out” in some way, a bit like your phone bill, but for much longer. Of course, when you buy a car, excavator, trawler, or computer, we don’t know how long each will keep. The best we can do, in the beginning, is to guess how long it will continue to be productive for you. The attitude of accountants is that an educated guess is better than nothing at all.

We could assume that a building will last 50 years, so we will transfer 2% of its cost from the balance sheet to the income statement each year. After 50 years, we will have transferred all of your cost and we will have a balance sheet value of $ 0.00.

We could assume that your office furniture will last 10 years, so we will transfer 10% of your cost from the balance sheet to the income statement each year. After 10 years, we will have transferred all of your cost and we will have a balance sheet value of $ 0.00.

Depreciation is the cost of an asset, distributed over its useful life. The amount we transfer from your balance sheet to your income statement each year is what we call depreciation.

So now you can quote the accounting definition of depreciation, can’t you? It is the cost of an asset, distributed over its useful life. Talk like this and people will think you are an accountant!

I’ll make it easier with numbers:

You buy your car for $ 30,000. He estimates that it will last you 5 years, so we depreciate it at $ 6,000 per year, one fifth per year.

After the first year, its book value is $ 24,000 (cost $ 30,000 – depreciation $ 6,000)

After the second year, your book value is $ 18,000 (last year’s book value $ 24,000 – depreciation $ 6,000)

Every year, $ 6,000 goes off your balance sheet and into your income statement, and because it’s an expense, it reduces your earnings by $ 6,000.

Earnings and cash flows are not necessarily the same

The above explains why you can have big profits and a falling bank account … or big losses and a rising bank account … or both profits and bank balances go up or both go down.

There is no connection between earnings and bank balance (or cash flows); depreciation is one of several reasons for this. Depreciation is simply a book entry, it is just a transfer between financial statements.

So in the first year, your bank account was decreased by the cost of the car ($ 30,000) and your profit was only decreased by the depreciation expense of $ 6,000.

In the second year, the car had no impact on his bank account, but it took another $ 6,000 (depreciation) from his earnings. And the same for the next three years.

The same is true when you are preparing your budgets: depreciation expenses are in your earnings budgets but not in your cash flow budgets.

Buying businesses and making smart investment decisions

The above may seem like a lot of intellectual ideas.exit quine that has no particular relation to your real life … to anybody’s real life, really!

However, one thing you may have learned here (or elsewhere) is that the book values ​​at which assets are shown on balance sheets have no relevance to the value of those assets. Book values ​​are simply the mathematical balance of what is left after some depreciation is removed. And since depreciation is the best guess in the first place, nothing to do with it in terms of asset value should be relied upon.

If you are investing in a business, don’t trust asset book values ​​at all. Book values ​​mean absolutely nothing to you. If you do not know how much they are worth, do not look at the accounts, find an appraiser to value the assets for you.

What i’ve left out

Depreciation is a broad topic and my goal has been to explain its main function. It would be irresponsible if I did not warn you that there are things that I have not explained to you:

  1. Why don’t we depreciate most assets by the same amount (for example, $ 6,000) each year,
  2. What you (or your accountant) do when you sell an asset that has depreciated, and
  3. The numerous rules of the Bureau of Taxes on depreciation.

If you have more questions about depreciation, give me a call.

* From time to time, the people who control the accountants come out under different names for the same old things. I would never dare to suggest that it is to confuse people, but I have come to realize that each new name of an old thing is progressively bigger and bigger each time.

For instance:

What we used to call a Statement of income now has to be called Financial performance statement. What we used to call a Balance sheet now has to be called Statement of financial position. Anyway, I guess it keeps someone happily employed!

How to implement a contingency plan

A contingency plan is developed to prepare a company to face abnormal situations and mitigate the impact of sudden disasters. The plan describes the procedure to be followed in the event of failure of one or more critical systems.

The implementation of a contingency plan depends on the size of the organization and the resources available during the crisis. The plan must be designed, reviewed and accepted by management. The plan must be shared with key members of the organization. Companies should periodically execute the steps outlined in the plan as an exercise, to be prepared when the need arises.

The company must have a contingency team that takes charge of operations and implements the plan for each type of risk identified. Equipment failure due to natural disasters and sabotage can be covered by insurance. Personnel implementing the contingency plan should know the contact details of the individuals or service providers who should be contacted during the emergency situation, for assistance in troubleshooting the problem and getting business operations back on track. normal.

Communication and notification are an important part of implementing a contingency plan. If a major business location is affected by fire or flood, the plan might be to move employees and equipment to another location. To implement this plan of moving operations to a new location, a good communication plan must exist. If the problem arises during working hours, the evacuation procedure should be followed and emergency help lines should be used for assistance. The persons responsible for the implementation of the contingency plan must be able to contact all employees through a previously agreed way (phone / email / SMS) and inform them to report to work at the new location until the old one can be functional. again. External suppliers, distributors and customers should also be notified of the change in location and who to contact to resume operations and contact details.

Contingency planning is important when executing a project. If a key team member is out of action, there must be another team member capable of stepping in to perform important tasks. If the project follows good knowledge sharing practices and has good documentation, it will facilitate the induction of new support staff (developers / testers) for help. It is important to communicate to the client that the absence of the usual person will not affect the project delivery schedule. If the project runs into issues that are likely to affect budget or timing, the person (s) implementing the contingency plan should know what to communicate to the client. The person must also know how and when the information should be sent to convince the customer that steps have been taken to mitigate risks and control the situation. The implementer must follow up and send status updates to keep management and the customer informed during a problem situation.

Early warning systems should be in place to notify / escalate problems to the relevant person (s) in charge. Analysis, evaluation, coordination, prioritization, and preparation are the key elements in implementing a plan. Contingency plans should be updated regularly and the lessons learned from each incident should be incorporated into the plan.

Possible bag

The definition of what a “Bag of Possibles” is is possibly “What you want to carry in it.”

In the early 1800s, this Possibles bag was just a flat rectangular bag with a flap that had to be carried under the arm or packed in the saddlebag. As things progressed, the Mountain Men or Fur Trappers attached a strap so that the bag could be carried over the shoulder. These bags would contain pipe tobacco, medicines, and other essential items that these men may need to use on their outings into nature.

Native Indian women created several possible bags to carry a variety of items. These Possible Bags would come in various sizes and would be beaded with a strap.

The Possibles Pouch has become quite different from the early days because now they come with belt loops and are worn on the belt. Mainly these have been adopted by the Bushcraft Fraternity due to the need and requirement to carry additional items to help them survive in the wild.

Some of the items included in the Possibles bag are the first aid kit, fire equipment, cutting tools, and cordage.

This list is endless and each person has their own specific items that they would carry in these Possible Bags. These bags are typically made from leather by wet forming or by the box wall construction method and sewn with linen thread to achieve a more authentic look.

Using linen thread has its drawbacks, as the seams will rot over time, especially if the Possibles bag is constantly getting wet. Modern threads like Tiger Thread are used more widely because it is a man-made fiber and does not rot over time. Another material to use is the artificial tendon, which is composed of several threads and these are divided to use them to sew the bag of possible and, again, it does not rot.

Possibles bag closures again range from switches made from Antler or Buffalo Horn to Brass Sam Brown Studs to Buckles or a simple leather thong that goes through the holes to keep the flap closed and the item inside dry.

The inner workings of credit repair

Credit problems can affect anyone at any time. Whether bad credit scores stem from a layoff, wrongful termination, new or old medical conditions that cause big bills to pile up, divorces, improper money management, or other reasons to increase a credit score, it can be a daunting task. even for the most dedicated people. Credit problems can not only affect the interest rates on your loan, but they can also prevent a person from getting a job that also bases a person’s character on their credit worthiness. When an individual finds himself in this situation, there are a couple of possible solutions. One, to do the time-consuming research to find the rules and regulations in order to fix your credit yourself, or two, contact a reputable credit repair company that has already received the training and acquired the skills. to negotiate through lines of credit and repair them.

What the repairs do:

The process begins by reviewing your credit history on your credit reports. Once a thorough evaluation has been conducted, we can determine the best course of action in your individual circumstance. Credit repair is not for everyone, and not all negative items can be removed from a credit report. Some items on a credit report may require settlements with an agreement that the specified item is changed to a positive line on the credit report, while others take less drastic action and only require removal of negative items. Contacting a credit repair company is the first step in getting started repairing your credit.

How does it work:

There are negative legitimate errors on your credit report.. A professional who repairs the credit can contact the companies and correct these errors.

Credit Report Errors That Cannot Be Verified. If a specific item cannot be verified on the credit report, a business closing, or the purchase, our specialists can correct these errors by having the credit bureaus contact the lenders. Once they receive no response from the original creditor, the items must be withdrawn.

Lenders willing to work with companies.. The company contacts individual companies and negotiates a deal with them in order to create positive feedback on people’s credit scores. Not all companies are willing to negotiate with many companies, so this route does not always work.

Do I need to repair my bad credit?

You should ask this question before beginning the derogatory mark removal process from your credit. While companies can help almost anyone with any type of credit repair, it costs money. If in your specific situation there are only one or two small lines with problems that do not affect your credit score, then the companies are not very useful or if the payment amounts of the negative lines are very small, it may be easier and cheaper pay. out on your own. However, if you have a few or more lines with negative results or larger amounts owed that will require negotiation to reduce your total settlement cost, it is in your best interest to contact a specialist today.

Here’s how to increase your credit score from 480 to 700

You can increase your credit score from 480 to 700 by following some of the steps listed below.

Your credit score is your financial gateway to getting the things you want in life. Your credit score is used for the following; When you buy a car, you rent a car, you rent an apartment, you buy a house, you buy college loans, you buy the newest computers and electronics, and it is also used by insurance companies when you need insurance.

Credit scores range from 300 to 850 and any score below 500 is considered a higher risk for lenders. Trying to maintain a score above 700 will improve your chances of obtaining a loan for larger purchases, such as a car or home. With a higher score, you can get better interest rates and better terms for your loans.

Get a 3-to-1 credit report

Go to to get a free copy of your credit report. You want the 3-to-1 so you can see the full report from all 3 credit reporting agencies. Check your report for inaccuracies, such as someone else using your credit or anything that shouldn’t be there. This could be identity theft and should be reported immediately.

Make sure each of your creditors has reported their information accurately. If you find there are errors, compose a letter and mail it to the credit reporting agency along with any evidence to support your dispute. You want to remove this inaccurate information from your credit report as soon as possible.

Consolidate credit cards

Transfer balances from cards with higher interest rates to cards with lower interest rates. This will lower your credit score by getting rid of too much debt.

Inspect your finances

Gather all your finances. Find a place where you can squeeze in, say, an extra $ 100.00 each month. Take this money and apply it to the credit card with the highest interest rate each month until you pay it off. Then take that money and pay off the next highest interest rate credit card, and so on.

Avoid the upper limit of credit cards

Having a credit card to the max can lower your credit rating. A good benchmark only has 30% of the maximum amount available on the card. If you have a credit card with a balance of $ 1000.00, keep the amount on that card around $ 350.00 to improve your credit score.

Pay your bills on time

Make sure you consistently pay all your bills on time. Paying your bills on time is one of the main things credit bureaus use to calculate your credit score. (35% of your score is based on payment history)

Pay more than the minimum due on each credit card, paying only the minimum due is a sign that you could be late on your payments and can be a high risk.

Close unused credit cards

Simply destroying your cards doesn’t work. You must call the credit card company and request that your account be closed so that it no longer appears on your credit report. This will help increase your credit score.

Refrain from requesting more credit

Each inquiry is reported to the credit bureaus and multiple inquiries can negatively affect your score. If there are no inquiries for a 2-year period, lenders are more willing to extend credit, confident that you won’t overreach and miss your payments.

Using these helpful tips can help you build your credit over time.