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2012年4月13日 星期五

Air Purifier Standards, Ratings & Certifications


Whether you're an allergy or asthma sufferer, or someone who is concerned with providing your family with the best indoor air quality, finding a solution to the airborne contaminants in your home is a very important issue. The Environmental Protection Agency (EPA) determined that most indoor air is three to five times dirtier than outdoor air. This startling revelation led to a boom in the production of air purifiers, but do they really work?

Most air purifiers remove airborne pollutants like mold spores, pollen, dust, bacteria, and pet dander. But determining whether an air purifier is effective is measured by its ability to capture particles and the amount of air it can process in a given time. Translation: If an air purifier can't catch particles of all sizes and process enough air to make a difference, it's probably not worth the cost of shipping.

The effectiveness of an air purifier is generally based on the effectiveness of its air filter. The American Society of Heating, Refrigeration and Air-conditioning Engineers (ASHRAE) tests and certifies air filters, using a rating system to ensure accuracy. The first rating, Initial Staining Dirt Efficiency, measures how well the filter removes microscopic staining particles such as tobacco tar, allergens, and grease. The second rating, the Average Arrestance Test, determines the percentage of ordinary dust, hair, lint, and other large particulate matter removed. It's important to know which rating is being used when comparing air purifiers.

The size of air contaminants like dust and pollen particles is measured by the micron. The human eye cannot see particles that are smaller than 10 microns, as one micron equals 1/25,400 of an inch. Particles like lint, dust, and pollen can all be seen by the human eye, but smaller contaminants like bacteria and viruses will escape the detection of our eyes and some filters. Finding a filter that will eliminate air impurities of all sizes is important to ensure the effectiveness of an air purifier.

HEPA (High Efficiency Particulate Air) filters set the standard for effective air cleaning. HEPA filters have been tested and certified to remove particles that average 0.3 micron in size. Particles of this size are likely to be inhaled and deposited into the lungs and trigger allergic and asthmatic reactions.

To qualify as a true HEPA filter, the filter must remove at least 99.97% of airborne contaminants, including mold spores, dust, pollen, smoke, and pet dander. There are many generic "HEPA-like" filters on the market today; however, true HEPA filters are marked as such on their packaging and provide the most efficient filtration.

Most air purifiers on the market are tested and certified by the Home Appliance Manufacturers (AHAM), using the Clean Air Delivery Rate, or CADR. The CADR measures how many cubic feet per minute of air is cleared of certain size particles. Three particle sizes are rated: smoke (small), dust (medium), and pollen (large).

Rating air purifiers is simple: the higher the CADR rating, the less time the unit needs to remove a given quantity of particles from the specified size room. The room size is indicated on the packaging of the air purifier and all AHAM-certified models are marked with CADR data, as this information acts to distinguish each air purifier from its competitor. You can use the CADR ratings to determine which air purifier works best in your home.

As you can see, there are many standards and ratings requirements used for all air purifiers. These requirements are used to ensure that every consumer receives the benefits they've been guaranteed by the manufacturer. Air purifiers can't guarantee the elimination of allergies or asthma. However, HEPA air purifiers can guarantee the elimination of harmful airborne contaminants.

So if you're struggling with the decision of whether to buy an air purifier or which air purifier to buy, consider the large variety of HEPA air purifiers on the market. Find an air purifier that works for you and your family, and breathe easier knowing that you're breathing clean air.




To learn more and browse top brands, visit http://www.achooallergy.com/airpurifiers.asp

Scott Smith is an expert in allergies, asthma, and indoor air quality at achooallergy.com





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2012年3月1日 星期四

Tax Saving Funds and Certifications for NRIs


If you are an NRI wanting to earn income in India, you must open an NRE, FCNR or NRO accounts. These accounts will help you even in case of applying for NRI loans. You can enjoy tax exemptions on FCNR account as it is held on a repatriable basis with zero tax liability and high returns on interest rate. Enjoy tax exemptions, enroll for a pension plan, tax saving fund, insurance policies, Fixed Certificates, loans etc.

All income earned in India is repatriable now. Be it rental income, interest earned on savings account or fixed deposit, profits on shares, debentures and mutual funds are transferred abroad. Boost your financial health by investing in debentures, mutual funds and PSEs. RBI has made possible investment in India while you stay abroad. You can continue to earn your income and make profits in India being an NRI. You are allowed to invest in Indian mutual funds, shares, debentures and other certificates, except for a few certification which is not open to a non resident Indian.

Good news is that, you can save your income from being deducted in the form of tax. In order to enjoy tax free income, invest in insurance policies, pension plan, certificate of deposits and tax saving fund. Protect your family while you enjoy tax benefits simultaneously. If you are planning to invest in shares then you must have an online trading account too. Besides this, Non resident external account and Foreign currency non resident account should also be held to carry out financial transactions in five different currencies. You can freely have your financial transactions in US dollar, Deutsche Mark, Pound Sterling, Euro and Japanese Yen.

Except for Kisan Vikas Patra and other national savings certification, you can invest in all major certificate deposit schemes, company deposits, bank deposits and tax saver funds. Enjoy zero tax liability on your FCNR account and NRE account.




Vijay K Shetty

NRI Loan Interest.

NRI Insurance Policies.





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2012年1月11日 星期三

The Best Lawyer Certifications to Advertise


There are as many lawyer clubs and meaningless awards out there as there are lawyers. Seeing a huge list of credentials padded with nonsensical awards, certifications and memberships is poor lawyer advertising. How many times have you seen a lawyer advertisement with a huge list of credentials and not much else but a photo and a phone number?

If you want to show your clients that you're a competent, trustworthy lawyer and feel that showing off your certifications is the best way to do so, I would suggest focusing on those that are the hardest to obtain: NBTA certification, a listing in the Best Lawyers in America directory and a Martindale-Hubbell "AV" rating.

Lawyer Certification from the National Board of Trial Advocacy

The NBTA is a committee that certifies lawyers in civil, criminal and family law, among other areas. They're accredited by the American Bar Association and review panels are actually chosen by the ABA Standing Committee on Speculation. Aside from state bar certification, this is the next best thing a lawyer can have on their credentials.

To receive lawyer certification from the NBTA you must:

be in good standing with the ABA and local bar;
actually participate in trial proceedings (not just say you do!);
have taken a minimum of 45 hours of continuing legal education in the past 3 years;
provide references from 3 judges and 3 attorneys familiar with your courtroom ability;
have been lead counsel in a substantial number of trials that were taken to judgment;
have been lead counsel in at least 40 trials involving evidence discovery (depositions, hearings, motions, etc.); and
pass the trial technique, evidence and ethics essay exam (a 6-hour ordeal!).

As you can see, this is a very involved process in which very few lawyers would qualify, especially those whose lawyer advertising screams "WE GO TO COURT FOR YOU" when they really avoid trial like the plague. Because of the elite status you earn when you manage to make it through all these requirements, the NBTA lawyer certification is an important credential to advertise.

Lawyer Certification from Best Lawyers in America

NBTA lawyer certification is self-initiated, so technically any lawyer can attempt it. There are some lawyer certification venues that are "invitation only," such as the Best Lawyers in America listing. To be considered for BLA, a current member must recommend you. After the recommendation, you'll be evaluated by the same standards as the person who recommended you.

The listings in BLA are geographically specific, so it pays to create good relationships with your peers. Listing on BLA puts you in a special directory of lawyers with a personal bio page, links to your website and law office information. This database is free for clients to search and is a great form of lawyer advertising!

Lawyer Certification from Martindale-Hubbell

Martindale-Hubbell is an independent attorney rating group that conducts its ratings in 5-year intervals. You cannot solicit a rating from them - you must be selected by the committee. Once selected, you are evaluated by a number of sources, including other members of the bar (both rated and not) and judges in your jurisdiction.

Your Martindale-Hubbell rating can range from "C- good to high" to "V - very high, the general ethical standards rating." The highest rating is "AV" and is bestowed upon a select group of lawyers every 5 years. When rated, Martindale-Hubbell takes into consideration your legal ability, ethics, reliability, diligence and professional responsibility.




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