Car Insurance, Compare Car Insurance Quotes, iSelect, house car insurance.#House #car #insurance


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Compare car insurance

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  • House car insurance

Last month almost 360,000 visitors came to iSelect for help across our range of insurance services.

  • House car insurance

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  • House car insurance

    The right car insurance for you

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    Comparing some of Australia’s biggest car insurance companies.

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    Insurance needs can change.

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    How users rated our car insurance service

    Get the right car insurance with iSelect

    • House car insurance

    Step 1. Get acquainted

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  • House car insurance

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  • House car insurance

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  • Used Cars Calgary AB, Pre-Owned Autos Canmore, Bad Credit Car Loans Banff,


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    Do you have bad credit?

    Rush Autos can help you get approved for a used car loan in Calgary AB regardless of your bad credit. Welcome to Rush Autos.com your source for “Rent To Own” used cars in Calgary Alberta. Are you looking for a Used Car in Calgary AB but have damaged credit? If so, don’t worry we can help you. Everyone is approved at RushAutos.com in Calgary AB. We have a large selection of used cars, used vans, used trucks, used SUVs, used sedans and family crossovers for you to choose from in Calgary. All of the used cars that we carry come standard with a Car Proof vehicle history report to ensure the quality of the inventory that we sell. Don’t let your bad credit hold you back from getting auto financing approval any longer. We can help you get quick and easy used car loan approval today!

    What is Rent-To-Own?

    With our “Rent To Own” auto financing program, we can get you approved regardless of your past bad credit history. Have you had past: bankruptcies, repossessions, foreclosures, or unpaid medical bills holding you back from driving the used car of your dreams? If so then you owe it to yourself to come down to Rush Autos in Calgary and finally hear the words “Yes, You’re Approved!”. We don’t let your bad credit score affect your approval process. Let one of our highly trained In-House financing bad credit specialists get you into the used car of your dreams with affordable payments that fit your current budget.

    Bad Credit is OK, No Credit is OK, and Bankruptcies are OK! Rush Autos is located in Calgary Alberta, however we also offer bad credit auto loan approval to residents in: Calgary, Canmore, Banff, Medicine Hat, Lethbridge, Red Deer, Edmonton, Airdrie, Cochrane, Crossfield, Okotoks, Irricana, Black Diamond, Strathmore, Carstairs, High River, Didsbury, Olds, Nanton, Sundre, Three Hills and Vulcan Alberta.


    Home Loans Home #veteran #loan, #va, #home, #loan, #home #loan, #house #loan,


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    Attention A T users. To access the menus on this page please perform the following steps. 1. Please switch auto forms mode to off. 2. Hit enter to expand a main menu option (Health, Benefits, etc). 3. To enter and activate the submenu links, hit the down arrow. You will now be able to tab or arrow up or down through the submenu options to access/activate the submenu links.

    Home Loans

    About Home Loans

    VA helps Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of our mission to serve you, we provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy.

    VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.

    Benefits

    Purchase Loans help you purchase a home at a competitive interest rate often without requiring a downpayment or private mortgage insurance. Cash Out Refinance loans allow you to take cash out of your home equity to take care of concerns like paying off debt, funding school, or making home improvements. Learn More

    Interest Rate Reduction Refinance Loan (IRRRL): also called the Streamline Refinance Loan can help you obtain a lower interest rate by refinancing your existing VA loan. Learn More

    Native American Direct Loan (NADL) Program: helps eligible Native American Veterans finance the purchase, construction, or improvement of homes on Federal Trust Land, or reduce the interest rate on a VA loan. Learn More

    Adapted Housing Grants: help Veterans with a permanent and total service-connected disability purchase or build an adapted home or to modify an existing home to account for their disability. Learn More

    Other Resources: many states offer resources to Veterans, including property tax reductions to certain Veterans. Learn More

    Eligibility Requirements

    Your length of service or service commitment, duty status and character of service determine your eligibility for specific home loan benefits.

    Purchase Loans and Cash-Out Refinance: VA-guaranteed loans are available for homes for your occupancy or a spouse and/or dependent (for active duty service members). To be eligible, you must have satisfactory credit, sufficient income to meet the expected monthly obligations, and a valid Certificate of Eligibility (COE). Learn More

    Interest Rate Reduction Refinance Loan (IRRRL): The IRRRL is a “VA to VA” loan, meaning it can only be done if you have an existing VA guaranteed loan on the property. The IRRRL is generally performed to lower the interest and reduce the monthly payment on the existing VA guaranteed loan. Learn More

    Native American Direct Loan (NADL) Program: The NADL program helps Native American Veterans purchase, construct, improve, or re-finance a home on Native American trust lands. Your tribal organization must participate in the VA direct loan program. You must have a valid Certificate of Eligibility (COE). Learn More

    Adapted Housing Grants: VA helps Veterans with certain total and permanent disabilities related to your military service obtain suitable housing with either a Specially Adapted Housing (SAH) or Special Housing Adaptation (SHA) grant. Learn More

    How to Apply

    Purchase Loan Cash-Out Refinance: VA loans are obtained through a lender of your choice once you obtain a Certificate of Eligibility (COE). You can obtain a COE through eBenefits. by mail, and often through you lender. Learn More

    Interest Rate Reduction Refinance Loan: A new Certificate of Eligibility (COE) is not required. You may take your Certificate of Eligibility to show the prior use of your entitlement or your lender may use our e-mail confirmation procedure in lieu of a certificate of eligibility. Learn More

    Native American Direct Loan (NADL) Program: First, confirm that your tribal organization participates in the VA direct loan program. NADL loans are obtained through a lender of your choice once you obtain a Certificate of Eligibility (COE). You can obtain a COE through eBenefits. by mail, and often through you lender. Learn More

    Adapted Housing Grants: You can apply for an SAH or SHA grant by either downloading and completing VA Form 26-4555 (PDF) and submitting it to your nearest Regional Loan Center, or completing the online application. Learn More


    7 Day Service #repair #and #replace #sewer #line, #water #line, #new #water


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    For All Your Residential & Commercial Plumbing Needs

    Local and Convenient

    Looking for a local New Jersey plumbing company with guaranteed workmanship and an unparalleled reputation for putting customers first? Then call on ALL CLEAR for all your Plumbing, Heating, A/C, Drain & Sewer Cleaning needs.

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    The EPA says that one of the most important factors in heating and cooling efficiency is a professional installation. All Clear offers energy-saving solutions, utility rebates, and more. Services include repair and installation of boilers and furnaces, central air conditioning systems, and A/C condensers. We also perform oil to gas conversions for boilers. Call us today for your no obligation estimate!


    Blog Briefing Room #the #hill, #capitol #hill, #newspaper, #dick #morris, #business, #lobbying,


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    ZodiacPAC uses viral meme to oppose Cruz

    A new political action committee opposing Sen. Ted Cruz (R-Texas) is taking advantage of the viral meme alleging that the senator is the Zodiac Killer, who has never been identified.The founders of “ZodiacPAC” say they’re creating the group to.


  • UK s Corbyn: I told Bernie Sanders he gave me campaign ideas

    Blog Briefing Room

    British Labour Party leader Jeremy Corbyn says Sen. Bernie Sanders (I-Vt.) called him the day after the British election last month, and Corbyn gave him credit for many “campaign ideas.””Bernie called me the day after our election here. I was half.


  • Politicians to address budgeting for superhero-damaged cities at Comic Con

    Blog Briefing Room

    A California gubernatorial candidate will speak on a panel at San Diego Comic Con later this month about how he would budget for a superhero-damaged city.It is a topic that will be particularly interesting to constituents who have raised concerns.

    Poll: 73 percent of Democrats would give up drinking for Trump impeachment

    Blog Briefing Room

    Over 73 percent of Democrats would give up alcohol for the rest of their life if it meant President Trump would be impeached tomorrow, according to a survey released on Thursday by a drug and alcohol rehabilitation group.Only 17 percent of.


  • WATCH LIVE: Trump press conference with Macron

    Blog Briefing Room

    President Donald Trump and French President Emmanuel Macron will hold a joint press conference Thursday at the Élysée Palace in Paris. The press conference comes after a full day for Trump, who landed in Paris at 8:37 a.m. local time and was.


  • Conway s collusion-illusion signs generate memes

    Blog Briefing Room

    Social media users are turning the signs White House counselor Kellyanne Conway used in an interview late Wednesday into memes.Conway used two hand-made signs to help explain her take on the Russia investigation during an interview with Fox News’s.

    Don’t miss a brief. Sign up for our daily email.


  • Plymouth Auction Rooms, antiques, collectables and paintings, valuations and auctions in Plymouth


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    Take a look at some of the highlights at our September Auction
    View more videos

    Welcome to Plymouth Auction Rooms

    Plymouth Auction Rooms is a family run business established in 1992. The team have a wealth of experience enabling them to provide a professional, friendly and efficient auctioneering and valuation service.

    Auctioneer and valuer Paul has some 30 years experience in the auction business and has appeared on BBC television, local and national radio. He is also regularly featured in the Westcountry media with regular newspaper columns and editorial features.

    The auction rooms hold regular sales featuring art, jewellery, watches, antiques and collectors items.

    Enthusiasm for promotion and marketing has yielded many exceptional results including a record price for a pair of Chinese Export pottery parrots at 170,000; the auction of English gold pattern coins, selling worldwide for 330,000; and the sale of a cricket ball from the famous 1933 bodyline series for 10,000.

    Plymouth Auction Rooms is widely respected and recognised as the leading saleroom for works by iconic painter Robert Lenkiewicz with many paintings regularly selling from 10,000 to 20,000.

    A high profile internet presence and an on-line bidding facility has seen Plymouth Auction Rooms evolve into one of the Westcountry s leading auctioneers and valuers.

    SOLD пїЅ32,500 A Geo III gold pattern two pence 1805 proof by William J Taylor

  • SOLD пїЅ20,000 ROBERT LENKIEWICZ (1941-2002) oil on board ‘Self Portrait at the House, Studio, Lower Compton’ signed twice and inscribed in full to verso, inscribed ‘Non Project Piece’ 56cm x 45cm

  • SOLD пїЅ24,500 ROBERT LENKIEWICZ (1941-2002) a fine oil on canvas Self Portrait, signed twice to verso, titled and also inscribed ‘Private Studio’, 60cm x 60cm, in deep moulded black frame and glazed

  • SOLD пїЅ12,400 A Diamond Ring, approx 2.22 carats.

  • SOLD пїЅ20,900 A fine large diamond solitaire ring, recently assessed as approx 3.44 carats, Colour- G-H, Clarity VS, Cut- Old Brilliant, mounted in ten white metal cut down claw setting, with 2.00mm graduated shoulders, each set with four eight cut diamonds, finger size N, gross weight 4.07 grammes, unhallmarked, tested as platinum, note the weight assessed and calculated in mount, girdle showing slight chipping to edge with one natural face.

  • SOLD пїЅ6,000 English ebonised bracket clock by Jonathan Lowndes, London with eight day striking movement with a caddy top and a 6.75 inch dial with cherub spandrels, a signed silvered Roman and Arabic chapter ring ‘J.Lowndes, London’, with mock pendulum and calendar aperture, ring turned winding holes, and strike/not strike lever, with twin fusee movement with verge escapement, the back plate engraved with foliate scrolls signed ‘Jona Lowndes, London’, the case with small hole to right side, possibly for a pull repeat cord, with label to inside back door ‘Percy Webster, Vendor, 37 Gt Portland St’, and the remains of an old paper label to the glazed back door detailing the clock. 39cm handle up, the case stamped 9784

  • SOLD пїЅ54,000 A fine and impressive large Diamond Ring 8.35ct

  • SOLD пїЅ9,100 Rolex, a rare 1940’s/1950’s gents stainless steel chronograph wristwatch, case no 497391, the dial stamped ‘Rolex Oyster Chronographe anti-magnetique’ with an outer telemeter dial (KM), the dial approx 35mm diameter.

  • SOLD пїЅ7,200 Rolex, Deep Sea. Sea Dweller, a fine gents stainless steel wristwatch, 12,800 feet/ 3900 metres, well kept with original box and papers, ref number on the card is 11660, V52830, 2009.

  • SOLD пїЅ4,860 A Jaeger LeCoultre, a gents 18ct gold Reverso Grand Sport wristwatch, with black leather bracelet with original box and book in excellent condition.

  • SOLD пїЅ2,800 Rolex, a gents stainless steel Submariner, Oyster Perpetual, wristwatch, 1000ft/300 metres.

  • SOLD пїЅ3,000 Rolex, a gents Explorer II Oyster Perpetual Date Chronometer wristwatch.

    This fine English carriage clock by Brockbank & Atkins Sold for пїЅ5,500 this month.

    SOLD пїЅ54,000 30th November 2016.

    SOLD пїЅ10,800 Rolex Gents Explorer II 2006.

    LOT 369 10th May 2017 SOLD пїЅ8,400.

    RECORD PRICE FOR ENGLISH CARRIAGE CLOCK AND CHRONOMETER THIS MONTH

    Although it was a diamond ring that took the top price this month at 16,000 it was the sales of rare clocks and instruments that generated the real excitement. A rare 19 th century chronometer by Barrauds of London sold for 6,500, from a fine collection of carriage clocks 5,500 was achieved for an English model by Brockbank Atkins, two longcase regulators sold for 3,000 and 4,600. No watch sale is complete without a good Rolex or two; in fact we had 13 on offer with the top price for a Daytona at 8,000.


  • Sell My House Fast – Home Buyers, Since 2002 #sell #my #house


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    Need to Sell your House This Week? You’re in the right place. We buy houses fast. Since 2002.

    House Buyer Network is North America’s largest home selling solutions service. Our professional, experienced home buyers have processed more than $100 billion in property since 2002 and in 2017 we’re off to a great start helping home sellers just like yourself.

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    Can I stop foreclosure by selling my house?

    In most cases, yes, selling your home will allow you to avoid foreclosure and protect your credit. Read our article Stop Foreclosure for more details.

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    Personal Finance Disclosure #congress, #democrats, #republicans, #independents, #house, #senate, #political #donation, #crp,


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    Personal Finances

    In some ways, lawmakers’ finances look a lot like those of many Americans. They include diverse portfolios of stocks, bonds, mutual funds and real estate. They have bank accounts, credit cards and mortgages. The difference: Politicians generally have more money. In fact, in 2013, for the first time a majority of lawmakers had an average net worth of over $1 million. Also, unlike most people they represent, they must make their investments public. Another difference: Politicians, during the course of their official duties, routinely have access to non-public information. The STOCK Act, which passed in April of 2012, sought to clarify ambiguous insider trading regulations. Read more about the STOCK Act and explore the Personal Financial Disclosures (PFDs) below.

    Personal Finances

    Find Your Representatives

    Richest Members of Congress, 2014

    Poorest Members of Congress, 2014

    Show Poorest Members

    Estimated Wealth* Over Time

    Charts require JavaScript and the Flash plugin.

    2004-2014 Change in Wealth

    *Estimated wealth is defined as the average of the maximum debt figure subtracted from the minimum asset figure and the minimum debt figure subtracted from the maximum asset figure. This graph displays the median of the estimated wealth of each member.

    The above tables are based on 2014 filings, the latest personal finance disclosure information available.

    Feel free to distribute or cite this material, but please credit the Center for Responsive Politics. For permission to reprint for commercial uses, such as textbooks, contact the Center:

    Personal Finances

    Friday June 16, 2017 |

    The Trump presidency is less than five months old, but has been a quick study at one longstanding D.C. tradition: the Friday-night dump. Administrations often release promised documents once journalists have left the office for the weekend, hoping that any damaging info would get lost in the news cycle turnover. Today, the U.S. Office of Government Ethics has followed suit and released a

    Wednesday May 04, 2016 |

    While patients in Massachusetts await affordable doses of the blockbuster hepatitis C drug Sovaldi, Rep. Joseph Kennedy III has financially benefited from the success of the drug’s manufacturer, Gilead Sciences, according to public financial disclosures and campaign finance records. And he s not the only lawmaker profiting from investments in a company that has drawn unwelcome

    Wednesday January 06, 2016 |

    Year after year, OpenSecrets.org data shows that Congress is a millionaire’s club. That’s true even though members make “only” $174,000 a year, largely because many of them are wealthy before they re elected. In fact, salary isn’t the top source of income for a large group of these lawmakers: Their pay is outstripped by the interest


    What are the – In-House – Call Center in the Philippines? #in


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    What are the In-House Call Center in the Philippines?

    AIG, JPMorgan expanding BPO operations here despite crisis

    BY PAOLO LUIS G. MONTECILLO
    MARIA ELOISA I. CALDERON
    BusinessWorld
    September 24, 2008

    THE LOCAL outsourcing operations of troubled US insurance firm American International Group (AIG) and financial giant JPMorgan Chase Co. will continue expanding here despite mounting concerns of a slump in the world�s largest economy.

    AIG-Business Processing Services, Inc. (BPSI), which has operations in the Philippines handling all customer service requirements of its parent, said it does not expect demand to slow down. The company is hiring 1,700 more workers for a third business process outsourcing (BPO) site.

    Despite the downturn, there is still a huge opportunity since AIG is still the largest insurance company in the world, AIG-BPSI Chief Executive Officer Chris Duncan-Webb told executives at the Asia CEO Forum in Makati.

    In a separate briefing, JPMorgan said it was expanding its BPO operations here to serve its American credit card clientele.

    Chase, the New York-based financial giant�s brand for its credit card services, yesterday opened its 14,050-seat call center facility, which will be housed at the New Quad Building in Fort Bonifacio in Taguig City.

    The launch marks the first phase of JPMorgan�s expansion plans in the country, five years after it tapped the Philippines for its offshore backroom operations. JPMorgan has been housed at the Philamlife Tower in Makati City since 2003.

    Last week, the US Federal Reserve extended a lifeline worth $85 billion in loans � designed to help AIG meet its obligations and prevent its collapse � in exchange for an 80% stake in the company.

    Fed officials said they had to act because of AIG�s extensive involvement in financial markets.

    Through its insurance, risk and asset management businesses, AIG has dealings with thousands of companies all over the world, so a bankruptcy would have had huge global repercussions.

    As a result of the US home loan mortgage crisis, AIG has lost more than $18 billion since the year started. Its share price has fallen by more than 90%.

    On the other hand, JPMorgan did not sustain as much damage from the US subprime mortgage mess by avoiding bad mortgage investments and focusing instead on its commercial and retail banking businesses.

    AIG�s Mr. Duncan-Webb said the company had set up its third BPO site in Muntinlupa City, which is expected to more than double the company�s employees.

    BPSI, which has 1,200 workers now, is planning to add 1,700 more employees when the site opens in December.

    He said the company had prepared the site ahead of the need, in anticipation of higher demand from its parent in the next few years.

    Mr. Duncan-Webb said the Philippines has an incredible future ahead of it, even with its small operations in the global BPO sector.

    He said the country is a good investment site for the long term. The company, he added, is confident that demand for its services from AIG would not slow down.

    He also said outsourcing services have evolved into knowledge-based services from regular call center operations.

    Mr. Duncan-Webb said AIG would find it hard to bring the outsourced services back to the US, where labor costs are higher.

    The insurance firm is a Fortune 500 company that has over a trillion dollars in assets and around 74 million clients in 130 countries.

    Meanwhile, JPMorgan said its expansion attests to its increased optimism in the Philippine economy.

    Over the years, JP Morgan will be a top employer here. This marks only the first phase of our expansion in the Philippines. The best is yet to come, Barry E. Marshall, JPMorgan senior country operations officer, said at yesterday�s ribbon-cutting ceremony.

    Our investment in this facility showed that we�ve done well, said Michael J. Looney, JP Morgan card service operations executive.

    JPMorgan plans to grow its call center manpower to 24,000 in the long term, starting off with 2,000 by yearend. It now has 1,300 workers.

    It depends on where customer demand is, Mr. Looney said in an interview. We will need more staff as we grow the business, he added.

    The credit card arm of JPMorgan has around 50 million customers in the US. While admitting that it has been a more challenging year � with more Americans defaulting in their loan payments and the widening credit squeeze in the US dampening consumer demand � Mr. Looney was bullish about growing their credit card portfolio.

    We�re not immune to [defaults]. But we�re well positioned to weather the crisis, he said.
    JP Morgan has veered away from subprime mortgage-related investments, shielding it from the financial crisis that had led to the collapse of America�s financial market pillars like Lehman Brothers.

    The Philippines wants to corner a 10% share of the projected $130-billion BPO market by 2010. Business process outsourcing was a $3.3-billion industry as of 2007, with 120 companies employing at least 200,000 workers.
    __________________

    eCost Philippines Services LLC is a in-house contact center/support center of eCost.com (http://www.ecost.com ) a popular on-line store in the USA and Canada. It is a subsidiary of PFSweb, Inc. (http://www.pfsweb.com ) is a leading business process solutions company based in Plano, Texas USA and has facilities across the USA, Canada and Europe and has recently established office here in the Philippines via its Manila site located in the Ortigas Central Business District.

    An exciting career opportunity to join a US based company via its in-house start-up contact center bpo facility here in Ortigas, CBD

    Seasonal Inbound Customer Service Representative (Project Based 3 Months Employment)
    (National Capital Reg – Ortigas Business District)

    * Customer Service Representatives are the foundation of the company. Their main responsibility is to interface with our client s customers to provide customer service or make sales. Interaction with customer may be via a number of different mechanisms, including: phone, e-mail and web chat.
    * Customer Service Representatives will work in a professional environment, using PCs and the telephone to communicate with customers. They are required to be extremely flexible in their work hours, including working during U.S. daytime hours (night in the Philippines).
    * All Customer Service Representatives are required to work on a shifting schedule. This entails working eight (8) hours a day (excluding lunch break), 5 days a week, including Holidays. Rest days may or may not fall on Saturdays and Sundays and/or Holidays.

    * Candidate must possess at least a Vocational Diploma / Short Course Certificate, Bachelor’s/College Degree or Post Graduate Diploma / Master’s Degree in any field.
    * Required language(s): English.
    * At least 1 year(s) of working experience in the related field is required for this position.
    * Applicants should be Filipino citizens or hold relevant residence status.
    * Preferably 1-4 Yrs Experienced Employees specializing in Customer Service or equivalent.
    * Pleasing, Cheerful and Customer Oriented Personality
    * 50 Temporary/Contractual Employment (At least 3 Months Employment) positions available.

    * TRAINING STARTS NOVEMBER 17, 2008

    Above Industry level compensation
    One of the Highest Night Differential in the Industry (30%)
    Comprehensive Medical Insurance (HMO)
    Comprehensive Life Insurance (GLI)
    Meal Allowance
    Rice Subsidy
    Performance Evaluation Increases
    Opportunity for Career Development
    Company sponsored Team Building Activities
    Employee Recognition Programs
    FUN ENVIRONMENT

    Or for faster processing you can walk-in at eCost Philippines Services LLC office located at Unit 2, 4th floor Tycoon Corporate Building, Pearl Drive Ortigas CBD, Pasig City between 3PM-3AM (Monday to Friday).


    Time To Replace Your Plumbing #my #house #plumbing


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    Do You Need to Replace Your Plumbing?

    If your pipes are older than these guidelines, it doesn’t necessarily mean they need to be replaced. Well-maintained pipes may last longer, and poorly maintained ones or those in areas with hard water (meaning it has high mineral content), may fail sooner, says Passaic, N.J. plumber Joseph Gove, who supplied the lifespan estimates.

    So, no matter what kind of pipes you have and how old they are, you need to keep an eye on them.

    Spend Oh-So-Wisely on a Kitchen Remodel

    Remove Lead and Polybutylene

    There are two other types of water supply pipe that should be removed immediately no matter how old they are.

    Lead pipes, used in the early 1900s, have a life expectancy of 100 years, but they can leach lead into your drinking water, a serious health hazard.

    Polybutylene pipes, used from the 1970s through the 1990s, are extremely prone to breakage.

    Watch for Signs of Trouble

    If your house is more than about 60 years old, make it an annual ritual to look at any exposed pipe—in basements, crawlspaces, and utility rooms—for telltale signs of trouble. Check the tubing for discoloration, stains, dimpling, pimples, or flaking, which are all indications of corrosion. If you find irregularities, bring in a plumber to do an inspection.

    You’ll want to keep a watch for leaks too, of course. Even small ones that are easily repaired may be indicators that the time for whole-house replacement is approaching. After all, the original pipes in your home are the same vintage, they’re made of the same material, and they’ve been subjected to the same water supply and usage patterns.

    “So if you’ve got sporadic leaks in some places, they’ll start showing up throughout your system soon,” says Philadelphia plumber Joseph Emanuel. “It’s time to change your water lines.”

    Also, when you fill your bathtub, look at the color of your water—especially after a vacation when it has been sitting in the pipes for a while. If the water looks brown or yellow, what you’re seeing is rust, a sign of decay inside the pipes. Consider replacement soon.

    Best Opportunities to Replace Pipes

    Ultimately, you’ll need to rely on a trusted plumber to advise you whether it’s time for a pipe replacement. And it’s always good to get a second and even third opinion before you embark on a replacement project. But there are a few ways you can mitigate the cost and hassle of the job.

    Replace what’s exposed. For a home with plaster walls, wood paneling, or other features that make it difficult to gain access to in-wall pipes, consider at least replacing pipes that aren’t buried in the walls. Although it’s a big job, replacing exposed pipes in a basement, crawlspace, or utility room is fairly straightforward, because the plumber can easily get at the pipes.

    And depending on the configuration of your house, the plumber may be able to access the vast majority of your system this way. For a 1,500 square-foot, two-bathroom home, you’ll pay between $2,000 and $6,000 or more to replace just the exposed plumbing.

    Replace when you renovate. Whenever you remodel a portion of your house, take the opportunity to inspect—and if need be, replace—any plumbing lines that you expose when you open up the walls and floors. This includes not only the plumbing in the kitchen or bathroom that you’re remaking, but also any pipes passing through the walls to feed upstairs bathrooms.

    Because the pipes are exposed during the project and because the plumber is coming on site anyway, the added cost may be only $250 to $1,000—a bargain, considering you’ve eliminated a hard-to-get-at problem area when you have the chance.

    PEX Limits Demolition

    If you have inside-the-wall supply pipes that require replacement, your plumber may be able to limit the wall demolition he needs to do by using an alternative piping product: Cross-linked polyethylene tubing, also known as PEX, is a flexible plastic hose.

    It can often be snaked into walls in much the way electricians feed their wires behind the wallboard or plaster with relatively minimal surgery—not an option with rigid copper pipe.

    PEX meets building code nearly everywhere, comes with a 25-year warranty, and puts a smaller hit on your budget than copper. Replacing all of the plumbing in a 1,500 square foot, two-bathroom home with copper piping costs between $8,000 and $10,000.

    But using PEX would cost just $4,000 to $6,000, according to Gove. That’s because of lower material and labor costs. “If it takes you two days to re-plumb a house with copper, you can do that same house in a day with PEX,” says Emanuel.

    Still, some environmental groups worry about as-yet-unknown health risks of plastic water supply lines. And since PEX has only been widely used in the U.S. for about a decade, it doesn’t have enough of a track record to indicate how long it will last—in other words, how long it’ll be before the plumbing has to be replaced again.

    If this is a concern to you, consider an alternative pipe material.