A simple Google search for Californian water contamination reveals the tip of the iceberg.

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• California has many, many water quality challenges. Local challenges are many. They are caused by both human actions and naturally occurring processes. Some contaminants come from past activities, such as mercury from mining, but many sources of pollution are ongoing. Additional pollutants continue to be identified.
• Small communities face chronic water quality problems. Almost 400 small rural water systems and schools can`t even provide safe drinking water. In some areas, nitrate—produced by nitrogen fertilizers and manure—has polluted local groundwater basins. Chemicals such as arsenic and chromium-6 are also a challenge. Treatment to remove contaminants is costly for small systems that do not benefit from economies of scale. Solutions for at-risk communities statewide would require additional expenditures of $30–$160 million annually -and this may grow as requirements are tightened.
• Salt buildup is a major water quality concern for cities and farms. It`s one of our most common pollutants. Salt occurs naturally in some soils but it`s also found in fertilizers, animal waste, and urban wastewater.
• Water quality has declined with the extended drought. River flows and reservoir releases help maintain water quality for aquatic species. During the present drought, low flows and extended heat have raised water temperatures and caused lower oxygen levels in rivers and streams. At Alkaway we have always understood that it`s the little guys who are at most risk. They don`t have the money to instal costly water purification systems, so they do the best they can, buying an off-the-shelf water filter that -especially in rural situations, only filters things they don`t need filtered – like chlorine and lead. A well or rainwater home has special requirements and here at AlkaWay we configure our water filter systems for just this need. Here at home we rely on both well water and rain water. We use a combination of high level sediment filter to catch the high sediment levels in the rainwater that feeds the kitchen, then our UltraStream to remove all the other contaminants that land on our roof, blown in from polluted, sprayed farmland. In this way the integrity of the UltraStream is preserved, giving high performance over a long time. Sediment is easily trapped prior to the UltraStream in a recyclable ceramic filter. This saves money on filter replacement while maintaining the very high level of filtration given to the UltraStream owner. If you don`t want to wait for the government to send you a water filter but understand you can`t get an off-the-shelf solution… Check us out. Talk to Leon in USA Talk to Angela in Canada Talk to Callum in UK Talk to JJ in Singapore and Malaysia Talk to Michael in Australia Talk to Leon in NZ

Home Equity Lines of Credit Are for Good Credit

Not have good credit can increase the difficulty that a homeowner encounters when seeking a home equity line of credit. Not having good credit can be the reason for a poor credit score. What is a credit score? 

The credit score varies between the values of 300 and 850. The credit score is the creation of the Fair Isaac Corporation. Lenders who arrange for a home equity line of credit use the credit score in order to set the interest rate that will be charged the homeowner. Homeowners with a low credit score will need to pay higher interest payments.

A score above 700 is assurance of good interest rates. The credit score also serves as an indicator of whether or not a lender should accept a homeowner’s application for credit. Decisions on credit limits for the homeowner are likewise based on the homeowner’s credit score.  The credit score is a function of the homeowner’s past line of credit. In the U.S., three different agencies keep a record of each consumer’s line of credit. Those agencies are Experian, TransUnion and Equifax. If a homeowner with a low credit score wants to raise that score, then the homeowner must contact each of those three agencies.  Learn more about mortgage rates in Orlando by visiting Loan Trust.

The effort to overcome a record of bad credit and to raise a credit score requires the contesting of false claims that money is owed. If the homeowner can prove that the claim for money is spurious then the homeowner has an opportunity to raise his credit score. This action should be taken if the homeowner who plans to seek a home equity line of credit has a score less than 640. Such a score would be a sign of bad credit.  The contesting of a credit score is not like a shot in the dark. A survey of credit reports in the U.S. showed that 80% of such reports contained mistakes. Thus, a homeowner could have good reason to question the credit score that is being used to determine the interest rate on a home equity line of credit. The credit score for a couple, a pair that are joint homeowners, is based on three credit scores from the person with the most sizable income. This is the score that the homeowner needs to make correct.

Such correction may require a written statement to each of the above-mentioned agencies. Those agencies will then contact the homeowner and indicate if more information is necessary. If the homeowner is lucky, then the credit score will be increased and the interest rate for the desired home equity line of credit will be lowered.  Once the homeowner has a good credit score then he will want to avoid slipping back into that region of bad credit. This means that the homeowners must avoid the sort of spending that carries them to the borders of their credit limits.  To find out more information about current mortgage rates visit Loan Trust Home Loans.