Tuesday, January 17, 2006

Speed of light

The speed of light in a vacuum is exactly 299,792,458 metres per second (or 1,079,252,848.8 km/h, which is approximately 186,282.397 miles per second, or 670,616,629.4 miles per hour; sometimes roughly 300,000 km per second). This value is denoted by the letter c, reputedly from the Latin celeritas, "speed", and also known as Einstein's constant. Note that this speed is a definition, not a measurement, in that the fundamental SI unit of distance, the metre, is defined in terms of the speed of light: one metre is the distance light travels in a vacuum in 1/299,792,458 of a second. The speed of light through a transparent medium (that is, not in vacuum) is less than c; the ratio of c to this speed is called the refractive index of the medium. cheap spanish holiday wiley x outdoor villa lighting

Monday, January 09, 2006


Advantages of debt consolidation
1. Reduction of average interest rate:
Taking multiple credit interest rate (which varies from one credit card to another) in to account will have a high interest when compared to one single credit interest for the whole amount with a low interest rate. So an individual may choose this option to reduce his interest rate.
2. Reduction to one credit payment:
An individual may use many credit cards and pay his bills for all the credit cards. This may need a good management technique depending up on the number of cards in use. If you use more number of credit cards then the planning need to be done more appropriately and executed timely where as if you have one credit card your job is done in a way simple and easily executable. One hence opts to shift from multiple loan payments to one loan payment program replacing all the rest.
3. Reduction of past interest or penalty charges:
One opting for debt consolidation may go for reduction of past interest or penalty charges paid for the borrowed amount under certain options. Options include high interest rate or penalty charges placed for the credited amount, when the total amount paid in the history till date exceeds the borrowed amount, or if it is a very long duration payment program going for 5 yrs or above. Under each case stated one can reduce the past interest and penalty charges or sometimes even eliminate those and pay only the amount borrowed.
4. Obtaining a payment plan:
This payment plan is given to the consumer analyzing the capability of an individual by thoroughly going through the personal needs of an individual, his responsibilities etc after which the debt consolidator restructures the existing plans taken by the consumer.
5. Becoming debt free at a faster rate:
Taking debt consolidation program relieves a person from debts at a faster rate than the usual time, which is required to come out of the debt. Following the plans given by a debt consolidator and proper execution of the plan will surely make an individual debt free and obtain high credit scores.


The credit score is calculated using a formula provided by the Fair Isaac Corporation under the act of FCRA (Fair Credit Reporting Act ). The three national bureaucrats dealing with credit reports are Equifax, Experian and Trans Union. The credit report can vary between these three credit bureaus since the credit reporters do not submit the reports in all three bureaus. Basically it is the procedure that one‘s credit report is the average taken from the values of these three bureaus. There may be a small difference existing between these bureaucracies credit reports which doesn’t seem to harm any of the customers credit score hence no issue has arisen till now in regards to the above.