Filed under General Interest by emma on October 18, 2009 at 8:46 pm
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Our skin surface is covered with pores with are capable of reacting to water that is falling on then. Once you are aware of the plethora of contaminants present in tap water, your first doubt would be where to purchase a pure water filter. Carbon water filters rely upon the fact that carbon repels water. As a result, the contamination’s that are present in your water are absorbed by the surface of the filtering carbon chalk. Give a man a fish and you feed him for a day, teach him how to fish and you feed him for life with a maytag refrigerator water filter. For the past 100 years all municipal water plants have been adding chlorine to the water in order to disinfect the water and make it germ free for people to drink.
The skin disease has the characteristics like redness, itching and thickening of skin spotted mostly on the elbows, face, knees and arms. Eczema is a very common skin disease that affects millions of people all over the world. Although, not many things can completely eradicate this problem, natural remedies can go a long way to help combat the affects of eczema. Keep yourself well hydrated and that alone will make managing your eczema 50 % more easier with an over the counter eczema treatment. A natural remedy is one that is found in nature, as opposed to being produced in a lab.
Thinking about your situation logically should dictate whether you require a portable air conditioner. SEER ratings allow consumers to compare various cooling systems and the effectiveness to operating costs. There are several things to consider when selecting an air conditioning contractor for your home. If you’re without a heater in the winter, the days and especially the nights can be so painfully cold that no amount of blankets or clothing layers can quite keep you warm enough with central air conditioning cost. Air conditioning is one of the most seasonal sales based electrical products on the market today, with the majority of sales coming in the times before and during the summer holidays.
Filed under General Interest by emma on October 18, 2009 at 8:35 pm
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An Introduction to Home Working
Ask anyone to describe their perfect job and home working would come high on their wish list. Whether home working is an option provided by your employer or a decision you have taken yourself in starting your own business, the thought of just getting out of bed, walk over to a workstation and just start work is very appealing. No commuting to and from the office and working hours to suit yourself.
But is home or flexible working right for you as an individual, or good for your business as an employer? Well there are many advantages and disadvantages. Home or flexible working brings new responsibilities for both the employer and employee. Equally with advances in mobile technology it has never been easier to set up your own business to work from home.
An Increasing Trend
From a business point of view, allowing staff to work at home on either a full or part-time basis can bring a range of business benefits, from increased productivity, greater staff motivation to effective use of your premises. Advancements in mobile technology has contributed enormously to the increase in opportunities for working from home.
The spread of home working using the internet or telephone opens up a new range of possibilities with regards to the way a business works and structures itself. Computers, mobile phones, broadband and mobile broadband all play a role. For the individual, becoming self employed and working from home has also never been easier. If you have a laptop and mobile phone the opportunity is there, it’s just deciding what you want to do. So home working is becoming a way of life for many individuals and businesses, but what is home working?
Some employers will offer selected employees the opportunity to become a teleworker, whereby an employee can undertake their role from home utilising various types of technology, which is installed at the employees home by the employer. The employee will remain in touch with the business and other teleworkers. Some businesses, for example the utility companies who require gas, electric and meter readers, will class employees undertaking this type of work as teleworkers or outworkers.
Some individuals opt for the self-employed work life. The self-employed will operate their business from home, offering a product or service such as web development or business consultancy from home. In these types of roles, the individual can often plan their day to suit their own needs. I know one web developer who often works well into the early hours of the morning as this is when he feels most productive.
Others such as a painter and decorator, plumber or gardener, whilst providing their services away from the home, use home as the office for paperwork such as pricing future jobs and preparing invoices. I know of several painters and decorators who work Monday to Thursday, but use Friday’s to go out and price up future potential work. That is one thing to bear in mind when setting up as self employed, you need to allow time to find or prospect for future work.
Some types of work are more suitable for flexible working than others, the following list is not exhaustive, but will give some guidance:
- Telesales and Marketing
- Customer Services
- Professional services & consultancy i.e. HR Administration & Accountancy
- Certain types of administration work
- Data input
- Creative/Graphics
- Writing, editing, translation and research.
- I.T. Support & Programming
Many of the above have a common theme and that is that as long as you have access to a computer and a phone, you can undertake almost all of these tasks from home.
The shift towards flexible working does not mean employees only work from home. Splitting time between the workplace and home is the most productive solution, as you want employees to attend meetings, therefore keeping them informed and involved. Continued face to face interaction within the business remains a key requirement.
With the introduction of home working regulations, employers now have to seriously consider employee requests to work flexibly from home, especially if they have parental responsibility for children under 16 years old, disabled children or they are carers for other adults with disabilities.
Employers and individuals also need to consider what equipment will be required to ensure that an efficient business operation and working environment is set up.
Whatever type of home working you undertake, you will be unable to avoid paperwork and filing cabinets will be of interest to help keep your systems in order.
The Pros and Cons
So what are the advantages and disadvantages of an employer allowing employees to work from home or use their home as a base for at least part of the working week? It’s clear there are a number of benefits to the employer:
- Staff Retention is increased
- Wider pool of applicants to recruit from e.g. disabled people who prefer to work from home.
- Productivity gains through having fewer interruptions and less commuting time.
- Reduced stress and sickness increasing staff motivation.
- Savings on office space and facilities.
- Sales staff closer to clients, rather than being based at the office which could be miles away.
- As with life if there are advantages then there are also disadvantages to home/flexible working:
- Management of staff and monitoring performance
- Possible deterioration of key skills and quality of work.
- Capital costs – training and providing suitable equipment, this could include adaptations to meet Health & Safety standards or meet the needs of disabled workers.
- Difficulties maintaining staff development and upgrading of skills.
- Information security risks
- Increased telecommunication and I.T. costs
- Sense of isolation and communication problems amongst home workers.
- Staff morale and difficulties in maintaining team spirit.
- Home working may not be suitable for certain types of jobs.
One thing I particularly miss is the Monday morning office banter about what you did at the weekend of how your football team has fared compared to others. Often the camaraderie that is unique to an office where you get to know people well over many years is also lost where flexible working becomes an option.
Are You Suited o Working at Home?
Having identified the types of work that is suitable for flexible working, the employer must satisfy themselves that employees are suited to this type of work. It’s likely they will need a number of skills in key areas to allow them to work away from base.
- Time management and self discipline
- Motivation
- Communication
- Technology
We must make it clear that home working is not suitable for everyone and care should be taken, because allowing one person to work from home will set a precedent that others will want to follow. Others will see an attraction to working at home particularly on a lovely summer’s day, rather than being stuck in an office. I must confess that as I write this article, I am sitting in our summer house at the bottom of the garden with the laptop on a glorious summer’s day in June.
An employer you must have a clear idea of how home/flexible working could fit in with the needs of the business. A set of house rules need to be established and maintained, i.e. priority is given to requests from parents of young or disabled children. My wife for example, plans her day around the hours of taking the children to school and collecting them later. She maintains that she is extremely focused on what she needs to achieve within those six hours in between. No distractions or idle chit-chat that will occur in an office environment.
In some cases the employer is legally obliged to seriously consider requests for home/flexible workers. Employee with parental responsibility for children aged 16 or under, or disabled children who are under 18 and receive disability living allowances can request a range of flexible working patterns from their employers, this includes the right to work from home. There are similar rights for employees who are carers of adults.
The introduction of flexible working can also lead to an changes to employment contract terms and conditions. In a majority of cases an employee’s place of work is listed in the written schedules of their employment contract. It’s important that when an employee starts to work from home it may be necessary to review and amend their employment contract.
The following is a list of contractual aspects an employer should consider when implementing a home/flexible work policy:
- Stated hours of work
- Identify core times when employees undertake to work and/or are contactable.
- Extra duties or responsibilities that may need to be assigned in addition to those already agreed
- Identify the terms regarding the supply and insurance of any equipment that may be required, these should clearly state ownership and use, especially that its not to be used for personal use.
- Clearly identify what the employer will reimburse to cover additional expenses the employee may incur, its especially important to identify the calculation method when costs are shared i.e. utility bills and telecommunications
- Procedures to be put in place if either the employee or employer wishes to terminate the home/flexible working arrangement.
Allowing home working the employer should remember that they still have health and safety responsibilities for people who work at or from home; and you are likely to have to provide and maintain equipment for employees to use, these include:
- Workstation complete with suitable task chair
- Filing cabinet, shelves or storage
- PC/Laptop with office software, email and broadband internet connection
- Dedicated business telephone line
- Printer & fax machine
- Stationery and Office Supplies
Whilst working at home you may wish to create a more luxurious environment where executive office furniture will create the feeling of luxury and a pleasant work environment.
IT equipment and software can be expensive so it’s important to ensure it meets your genuine business need and is compatible with your existing systems. Technology changes almost daily and with today’s advances the establishment of virtual teams where employees work together despite working at home can be set up easily and at reasonable expense. These teams could be two employees talking over the phone or you could use more hi-tech solutions like high speed internet, instant messaging, webinar and video conferencing.
Providing all this kit and equipment it is important to ensure your business insurance cover is extended to cover home workers, as their home insurance is unlikely to cover this, however they should check with their insurer and extend their policy to cover working from home.It is also a good idea to find out who would be responsible for a claim should you have an accident at home, during working hours.
Workers who adopt home working should check with their local council and mortgage company the position regarding using their home as a work base, and whether they may have to pay business rates for the portion of their home they use as an office. Some self employed businesses will involve use of a vehicle which will need to be parked up at certain times of the day. For example painters and decorators and builders are likely to utilise a transit van or pick up truck in the work. You should therefore ensure that neighbours will not be offended by having the vehicle parked in the street or to block light out of their homes. If you are to park a vehicle at home, let the neighbours know, it may save a lot of hassle later.
The employer needs to ensure that employees take care of business equipment and information in their possession, it’s important to establish procedures to be followed if any item is damaged or lost, especially data and intellectual rights.
We all agree that home working offers a wide range of benefits to both the business and employees, but it needs to be carefully managed to be successful. Procedures should be put in place for managers to monitor and assess home workers, this is the most significant managerial challenge an employer will face. It can be helpful to measure their effectiveness in terms of output rather than the hours of work. Agree set goals and deadlines for particular projects, and ensure these are being met, give feedback promptly and sensitively if things go wrong.
Ensuring home workers have access to training can prepare and help employees develop the necessary skills they need.For staff who work alone a sense of isolation is one of the main factors most likely to make home working fail, therefore it’s important to ensure procedures are put into place to make people feel part of the team, these should include:
- Frequent two-way feedback sessions about work and work related issues
- Regular scheduled visits to the workplace
- Inclusion in social activities for home based workers.
- Clear procedures to be followed and contact lists for when things go wrong.
When the employees job is home-based from the start, make sure their initiation is undertaken at your premises, this helps the home worker focus and be productive if they have a chance to establish a clear idea of the people they will be working for. The most successful home workers are those who have worked from the business premises previsouly.
Seeking the advice of office fit out contractors to make good use of space, will help an employer to maximise the office space available.
A Brief Health & Safety Obligations Check List for Home Workers
If you use your home as your main business workplace, you must carry out a health and safety risk assessment to identify any possible hazards to yourself, workers, visitors and other members of your household.
Possible hazards include:
- Using work equipment at home, including electrical appliances
- Your workstation set-up
- Handling loads
- Hazardous substances and materials
- Psychological hazards, such as stress or loneliness
- Fire
- Slips, trips and falls
- Excessive noise or vibration
Slips, trips and falls are one of the most common causes of injury in the work place. Even something we take for granted on a daily basis, such as walking up and down the stairs, should be regarded as a risk to safety. Evaluate whether a hazard is significant and if it is, whether you have taken enough precautions to make the risk as low as you reasonably can.
You need to consider:
- Your home and those who live there – including vulnerable persons, e.g. children, the elderly, and new and expectant mothers
- The work done in your home
- The equipment in your home
- Emergency procedures
- First aid provision
Five steps to a health and safety risk assessment
- Identify any hazards.
- Decide who might be harmed and how.
- Assess the risks and remove them or, otherwise, reduce them as far as is reasonably possible.
- Record your findings.
- Check the risks regularly and take further steps if needed.
Conclusion
With advancements in mobile technology, working at home has become far easier to do. It can offer a very balanced way of life and the rewards can be significant. In the current economic climate, many who have been unfortunate to suffer redundancy or reduced hours are considering setting up their own business to work from home. Having worked in the corporate world for over twenty years and just suffered redundancy, it is certainly something to consider.
But working from home needs to be considered carefully. Is it right for you? Is it right for your employer? What impact will it have on my homelife? Many advantages, but also many disadvantages and bear in mind the health and safety requirements and risks. Your health is important so choosing the correct office furniture to meet your needs is a must for any home worker to ensure you have the proper facilities for home working.
For years a friend of mine worked from home with his desk in his living room and eventually he realised that he could never get away from work, which is as important as doing the work in the first place because we all need time away from work.
If you are lucky enough to really love your work the temptation can be to do it all day long. Eventually this can lead to burn out and can also take away some of the pleasure of working, even if it is something you really love. Therefore it is important to have balance in your life, even more so when you work from home. Some suggestions to help to achieve this are to make sure that when you have lunch, for example, remove yourself from the work space and don’t eat at your desk, get some separation from the work when you are not doing it.
Remember that just because you work from home it doesn’t mean that work has to take over your life completely.
Filed under General Interest by emma on October 17, 2009 at 10:42 pm
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On the 17th day of February in the year of 2009, the television transmissions involving analog signals came to an end. As a result all who desired to continue watching their favorite television programming had to convert to digital television. Those who failed to do so were doomed to observe nothing but a black screen. Millions of people rushed out to purchase new televisions that were specially designed for the new digital signals. Unfortunately, many of these individuals discovered that acquiring a clear reception was a bit challenging. Here, you will be introduced to the top 3 tips on improving reception with digital television.
1. If you are implementing the use of an indoor antenna in order to acquire a signal for your digital television, it may be necessary to move the antenna to a higher area in the room. Naturally, the cable that connects the television to the antenna will need to be longer so you may have to purchase this.
2. When purchasing the cable that will connect to the indoor antenna, it is important to understand that you should only purchase what is absolutely necessary. The cable carries the signal and the longer the distance that the signal has to go, the lower the signal strength will be. While a coaxial cable is appropriate for the task, ensure that it has a connector that is referred to as a “barrel”.
3. If you use an outdoor antenna to improve the reception of your digital television, remember that the overall aim of the unit is essential. If your digital TV has an onscreen adjustment feature, or an actual audio feature, be sure to use it in order to ensure that your unit is pointing in the area of the maximum strength.
It is not difficult to improve the reception on a digital television set. It can be challenging, but if you implement the use of an indoor or outdoor antenna, using the top 3 tips listed here can be highly beneficial. Before long, you will be capturing all of your favorite channels clearly.
The author of this article runs a web site devoted to folding camp chair and folding chair back and folding chair in a bag.
Filed under General Interest by emma on October 17, 2009 at 9:11 pm
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This article will provide information on how to get tinnitus relief as well as debating what Tinnitus is and some of the causes. Some folks believe that Tinnitus is something they should put up with for the rest of their lives. This is simply incorrect and hopefully you can take something from this article that will contribute to you beating this horrible condition.
Tinnitus is the perception of sound in the ears or head without there being an external source of sound. This may be due to many things including head wounds, neck injuries, jaw misalignment, build up of ear wax and ear infections to name only a few. This makes it tricky to find a cure thanks to the vast amount of causes.
Many treatment drugs have been researched and used for tinnitus care ; date there’s still no drug which is especially designed for treatment of tinnitus. Folks suffering from chronic tinnitus, may be benefited from some drug treatments. Drugs that are employed in the treatment of tinnitus include antidepressants, antihistamines, anti-anxiety, and anesthetics and anticonvulsants. It’s correct that many patients have been successful in managing their ear tinnitus symptoms, but it’s also a fact that drug treatment can have serious side-effects on the healthiness of the patient.
There are numerous alternate strategies available for treatment of tinnitus like use of herbal preparations, homeopathic remedies, and mineral and vitamin regimens. Folks have also profited from cranio-sacral treatment, magnets, acupuncture, and hypnosis. Massage treatment and energy-work, for example reiki, is also found to be advantageous for some people. Again, it is important to not note that different tinnitus treatment techniques work for different folk therefore you should be careful in your choice before adopting any tinnitus treatment strategy.
There are some techniques to get relief from Tinnitus and the best way is to use a masker. This works by playing sounds that make it tough or impossible to spot the ringing in your ears. This may help enormously in treating Tinnitus as it assuages the strain brought on by constant ringing.
As a substitute for a masker you could use a desk fan or a radio that isn’t tuned in to a station : the sound of white noise is a great masker. Relaxing is also a good way to get respite from tinnitus so try and put some time aside each day to relax or meditate that will relieve any stress you have which in turn will help in beating Tinnitus. Tinnitus relief is straightforward when you know how and now you do, go and relax and do not give up!
The data provided is for researching purposes only. No advice is implied. With all health problems it is advisabale to consult a doctor when considering medical advice.
Filed under General Interest by emma on October 17, 2009 at 8:56 pm
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In today’s world of excessive crimes involving children, more and more parents are utilizing wireless cameras as nanny cams. These technologically advanced electronic devices can be used to evaluate the actions of both your children and those that care for your children while you are away from the home. Many are so advanced that you can actually pull up the camera on your computer at work and view real time feeds of what is occurring at your home. If you are interested in integrating nanny cams throughout your home, you will benefit from the top 3 tips for using wireless cameras detailed below:
1. The first step to choosing wireless cameras to observe what is occurring in your home when you are away is to determine if they include the feature of being able to watch live feeds from a remote location. This will allow you to ensure that the children are doing what they are suppose to be doing and will also allow you to make certain that the person in charge of your children is acting appropriately.
2. The next tip is to ensure that the wireless cameras that you incorporate into your home are those that make recordings. You should avoid those that use VHS tapes. It is best to select cameras that record using DVR technology. This will provide you with a more detailed view and you will not have to worry about the issue of natural video degradation.
3. Ensure that the wireless cameras that you use are not visible. They can be placed in picture frames, radios, televisions, plants, and more! If the sitter or children know that the camera is in place and recording, they will likely act unnaturally. You will want to capture their natural behavior at all times.
Using wireless cameras as nanny cams is a wonderful safety feature that no home with children should be without. Follow these simple tips to ensure that you get the best recordings possible, as well as the most natural.
The author of this article runs a web site devoted to antique table lamps and lamp parts and rock lamp.
Filed under General Interest by emma on October 17, 2009 at 8:50 pm
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Southern California is a pretty well-known vacation destination and there are a great many hotels to be found. Some travelers are on business trips and are looking for mid-price hotels with easy access to the local freeways and airports.
We’re talking mostly about vacation travelers here, and for them you’re looking at a much wider range in quality and price. In either case, here is a good website intended to help you find good hotel deals. The site offers information about places to visit in Southern California and a lot of other useful material, but certainly will help both business and vacation travelers. The site is handy in that airline flight information and reservations are also presented.
Another good site with helpful insight into hotels near major tourist attractions is the SoCal Vacation Guru. It does not specialize only in lodging options but also covers other aspects of a trip to Southern Calfornia, discussing Disneyland, Universal Studios, beaches, etc. You will find a wealth of local advice and information to enhance your vacation stay.
If you are interested to hear what others are thinking about travel in general, you might visit Travel Talk. Here you will see input related to the whole range of subjects related to travel. You can find subjects ranging from trips to India to driving trips by yourself to careers in the travel business.
Filed under General Interest by emma on October 17, 2009 at 8:28 pm
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Still sitting on the fence about Forex Megadroid? Below are 3 simple reasons to try out this AI robot-
1. “Unlike other forex robots, the Forex Megadroid is able to use current market information to predict the best stock moves in the forthcoming two to four hours. This is made possible with its Reverse Correlated Time and Price Analysis, a feature unique to this program. The number one advantage of this technology is that it is able to adapt to the changing market trends and thus lower any risk of losses.” – portion of article from Ezinearticles, By Adam Jones
2. “Forex Megadroid Robot was invented by the two veteran traders of Forex, Albert Perry and John Grace. They combined their 38 years of experience, and then introduced new technology “Reverse Correlated Price and Time Analysis” (RCPTA) in Forex Megadroid Robot. The addition of this idea to the artificial intelligence techniques made the robot skilled of forecasting the near-future almost accurately. The tested results of forecasting are found to be 95.82% correct.” – portion of article from Ezinearticles, By Helen Wilson
3. “Furthermore this robot is able to predict the future Forex condition with the help of Reverse Correlated Time and Price Analysis or RCTPA. It allows the robot to adapt to the prevailing conditions which is not present in any other Forex robots. If you are using Forex Megadroid as a tool for trading you will also have an access to Automatic Money Management System. This will help you customize in order to set the sizing of your positions that depends on the risk level that you specify” – portion of article from Ezinearticles, By David William
In addition, this program protects the customers with a 60 refund policy. Therefore, if within 60 days that you find this Forex Megadroid not performing, you can ask for your money back!
Filed under General Interest by emma on October 17, 2009 at 8:20 pm
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She placed the electronic components onto a fixed PCB Circuit Boards to give them the mechanical backing that is needed for the appropriate manufacturing. We then laminate a copper sheet onto the exterior of the PCB which permits the components conductivity of the electric current through the system of circuits seated on the board surface. Circuits take in a all kinds of components that is discrete and integrated components. These are connected according to specifications with the connections using a molten metal solder for the best overall function.
If for any reason a wrong connection is made, the technician will simply undo this (unsolder) with the molten metal solder.
WHen dealing with a integrated device a tests required by the ICP as soon as the board has been populated.
Some types of PCB’s comprise a dielectric material at their core. Multilayer boards, can use a number of di-electrics, joined together with adhesive, the dielectric layers are removed from the copper plating.
Multilayer
Circuit Board Assembly can include both single sided and double sided designs all on the same board. With todays production systems, multilayered PCB’s could reach a extensive number of of layers. Multilayered PCB’s are established by two types of material; pre-preg material and the core layer. The pre-paid material does not come in contact with any kind of adhesives and the core layer is the other material completeing the construction.
You might find
Printed Circuit Design in some transformers the are widly used in the world today. When looking at transformers Printed curcuit boards can be used for most all servicing and rebuilding purposes. PCB are used in all kinds of electronic and computer components. Most hand held devices also have PCB in them.
Filed under General Interest by emma on October 16, 2009 at 9:33 pm
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Small business web hosting service providers have special servers to run your business websites, usually they cost bit more than personal web site servers, but now you can find cheap business web hosting easily through research on internet. The cost of small business hosting depends upon the factors like the traffic on your website, the storage capacity you will need for the data on your website. Business web hosting providers can cost you anywhere from zero to several hundreds of dollars of month. At the lower end of the pole, there are some service providers that offer personal or small business web hosting services for free, while there are services that can charge up to $100.00 or more per month. Small Business web hosting offers a great experience.
Small business web hosting has become big business. Why not turn to the folks who specialize in promoting small businesses, whose entire focus is on helping you advance online?Support is an extremely important part of any web host. They should have many ways to contact them including ticket system, live chat, and phone. Support is available through a knowledgebase as well as by telephone and e-mail. Quick and responsive service is a hallmark of support.
Choosing your provider is one of the most important decisions that you and your business can make. When you choose a good one you will have no worries when it comes to providing your customers with what they need and keep your life hassle free. Choosing a site to host your small business website is a big decision. Make the right one.
Search them out on the World Wide Web; see what other business are saying about them. Often people will discuss their experiences and opinions of companies online. Search for a service provider based on the services you will use. Your web site is one of the most important representations of your small business, so you need it to look good, function properly and always be there for your customers.
Filed under General Interest by emma on October 16, 2009 at 9:10 pm
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There are several different types of debt help available to people struggling with their finances. If you are in debt, the choice can be confusing or even intimidating, so it’s important to understand each option before making any firm decisions.
Debt advice
• A little debt advice may be all you need to get your finances back on track, and many organisations will offer free debt advice – budgeting tips, for example, or help negotiating with creditors.
• When you speak to a professional debt adviser, they should be able to suggest ways you can improve your financial situation now and look after it in the future. They should also be able to advise you on whether or not you require a specific debt solution, and if you do, which one may be most suitable for you.
Debt management
• Debt management may be suitable for you if you can’t make the agreed repayments to your unsecured debts. It involves talking to your unsecured lenders, asking them to accept lower monthly payments based on what you can afford after your essential expenses (mortgage/rent payments, utility bills, etc.) have been covered.
• Some people will negotiate with their lenders by themselves, while others will ask a debt management organisation to do it on their behalf.
• By reducing the cost of payments to your unsecured debts, debt management should also mean you’re able to stay on top of payments to your essential expenses every month.
• Please bear in mind, though, that creditors aren’t obliged to accept any changes to the existing repayment plan.
• It is important to note that by reducing the amount you pay each month, you will be paying your debt off for longer. This could result in you paying more overall, due to the interest added to your debt on a monthly basis. However, lenders may agree to a freeze or reduction in interest.
• By repaying your debts more slowly, you will be defaulting on your original repayment agreements. This can be recorded on your credit report, which could affect the cost and/or availability of credit for 6 years. Bear in mind, though, that this may happen anyway if you can’t keep up with the payments you originally agreed to.