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PFAs And Ground Water In Airway Heights

June 17, 2024| Rebecca Ramos| 0 Comment| 12:00 am

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Understanding Airway Heights PFAS Contamination (748 words)

Airway Heights, Washington, sits next to Fairchild Air Force Base. This proximity unfortunately led to PFAS contamination in the city’s drinking water. The Agency for Toxic Substances and Disease Registry (ATSDR) considers PFAS levels in drinking water when selecting sites for exposure assessments. Airway Heights was chosen due to AFFF (aqueous film-forming foam) used for firefighter Training at the base since the 1970s. The foam seeped into the groundwater, affecting nearby municipal wells.

Is Airway Heights Water Safe Now?

The good news is that action was taken quickly. When PFAS were detected in May 2017, contaminated wells were shut down. Residents received bottled water until the issue was resolved in June 2017. Currently, Airway Heights water meets the EPA’s 2016 health advisory for PFAS. The city has even brought some wells back online, equipped with treatment systems to continuously remove any remaining PFAS.

The ATSDR investigated the impact by collecting samples and data from 333 residents across 168 households. They discovered Airway Heights residents had PFAS blood levels up to 56 times higher than the national average, linked to past contamination. However, water samples collected in 2019 by the EPA showed levels below health advisories.

Health Risks of PFAS Exposure

PFAS health risks aren’t immediate, but long-term exposure can have serious consequences. Here are some potential effects:

Cancers: Long-term exposure may increase the risk of kidney and testicular cancers.
Liver Damage: PFOA and PFOS exposure have been linked to liver damage in humans and animals.
Hormonal Disruption: These chemicals can disrupt the endocrine system, leading to hormonal imbalances.
Immune System Effects: Exposure may weaken the immune system.
Developmental Effects: Prenatal exposure may harm fetal development.
Reproductive Issues: Exposure may affect fertility, pregnancy, and hormone levels.
Chronic Health Conditions: Long-term exposure may be linked to thyroid disorders, cholesterol problems, and metabolic syndrome.
Neurological Effects: Studies suggest PFAS exposure may contribute to neurological disorders.

Taking Action to Protect Yourself

While government agencies address contamination, residents can take steps to minimize exposure, especially those near military bases or heavy industry:

Certified Water Filters: Install and maintain a filter certified to remove PFOA and PFOS (NSF/ANSI Standard 53 or 58).
Test Private Wells: Consider testing private wells for PFAS contamination. Contact your local health department or a certified lab for assistance.
Minimize Exposure: Avoid using contaminated water for drinking or cooking until the issue is resolved.
Boil Water with Caution: Boiling doesn’t remove PFAS and may concentrate them. Avoid extended boiling.
Stay Informed: Follow water quality updates from local authorities and heed their advice.
Avoid Contaminated Water Recreation: Refrain from swimming or recreation in potentially contaminated water bodies.
Report Concerns: Notify your local water utility or environmental agency if you suspect PFAS contamination.

Government Intervention and Regulation

Municipal water system operators are continuously monitoring PFAS concentrations to ensure they stay below EPA limits. Additionally, the ATSDR met with residents in 2022 to discuss PFAS exposure and held discussions with healthcare providers to better serve the community’s health needs.

As a citizen, you can advocate for measures to reduce pollution from factories, farms, and waste disposal sites. Support cleanup efforts and initiatives focused on preventing further contamination. Early detection through proactive testing can significantly reduce exposure risks.

Municipal Water Systems Response

Municipal water facilities are now required to perform regular PFAS testing for public water supplies. Alternative treatment technologies are also being investigated as a potentially less expensive option compared to traditional filtration systems. The Department of Defense has even funded filtration systems for some private wells with high contamination levels.

Individual Protective Measures

Staying informed is the first step. Learn about PFAS exposure sources and consider installing a proper water filtration system. Explore Options available from companies like H2O Solutions and EcoWater Systems. You can also find testing kits from SimpleLab.

By following these steps, you can take control and minimize your Personal exposure to PFAS.

H2O Solutions | PFAs And Ground Water In Airway Heights

Land Loans: Everything You Need To KnowLand Loans: Everything You Need To Know

March 20, 2024| Rebecca Ramos| 0 Comment| 12:00 am

What is a Land Loan?

A land loan, also known as a plot or lot loan, is a Financial option allowing individuals to purchase a piece of land using credit. This type of loan is suitable for those who intend to acquire land without immediate construction plans. It’s important to note that land loans differ from home loans or construction loans. It can be used for both residential and business purposes.

Types of Land Loans

Land loans can be categorized based on the level of land development. Each type of land loan necessitates distinct preparations to convince lenders to provide financing. Let’s explore the different types:

LOAN FOR UNDEVELOPED LAND (RAW LAND LOAN)
- Undeveloped land refers to properties without road access, water supply, electricity, or sewer lines, rendering the land unsuitable for immediate construction. While raw land is the most economical option for purchase, it also requires higher down payments and interest rates to secure a loan. The Federal Deposit Insurance Corp. (FDIC) sets a minimum down payment of 35% for undeveloped land. Additionally, to obtain a raw land loan, you’ll need a well-structured and detailed plan for the land’s development to convince lenders that it represents a calculated risk.
LOAN FOR SEMI-DEVELOPED LAND (UNIMPROVED LAND LOAN)
- Semi-developed or unimproved land typically possesses some basic infrastructure, although it may need more amenities such as phone boxes, natural gas, or electric meters. Financing a loan for unimproved land is less risky than undeveloped land but still requires a rigorous process. The FDIC’s minimum down payment standard for unimproved land is 25%.
LOAN FOR DEVELOPED LAND (IMPROVED LAND LOAN)
- Developed lands, often called lots, come with access roads and all the necessary utilities for residential construction. Although improved lots are more expensive, they tend to have comparatively lower land loan interest rates. Lenders are also more inclined to finance this type of loan, with the FDIC setting the minimum down payment for improved land loans at 15%.

image of draft of a house on raw land purchased with a raw land loan

Advantages of Taking a Land Loan

Land loans offer several advantages for individuals who need more time to build on their purchased land. These advantages include:

Flexibility: Land loans provide the flexibility to secure land for its potential, such as in areas with upcoming business opportunities or future development. You can hold the land until the timing is right for your construction project.
“Blank Canvas”: Acquiring land before any construction allows you to start with a “blank canvas.” You can envision and create your dream home or commercial space according to your preferences and needs.
Transition to Construction Loan: When you’re ready to build, your land loan can be seamlessly integrated with a construction loan to finance the land purchase and construction costs. Ultimately, this can transform your land loan into a standard mortgage when you’re ready to move in.

Disadvantages of Taking a Land Loan

Despite the advantages, land loans come with certain disadvantages, mainly due to the higher risks involved:

Limited Lender Options: Lenders for land loans can be limited in number due to the inherent risks, which may limit your choices when selecting a lender.
Stricter Qualifications: To secure a land loan, you must meet more stringent qualifications than a standard mortgage.
Higher Down Payments and Interest Rates: Land loans have higher down payment and interest rates than traditional mortgages. These additional costs are a result of the higher risks faced by lenders.

To mitigate these disadvantages, having a well-defined construction plan, including a set timeline and cost estimates, can increase your loan approval chances, is essential.

Land Loan vs. Other Land-Buying Options

If you encounter difficulties meeting land loan qualifications, alternative methods exist to finance your land purchase. Some options cater to home-building purposes, while others are designed for commercial space.

SELLER-FINANCING
- Seller financing is where the seller acts as your lender in a land contract. This arrangement can be more flexible and suitable for those who may not meet traditional bank loan requirements. It’s essential, however, to engage an attorney to review the land contract to ensure clarity and prevent potential gray areas or loopholes.
HOME EQUITY LOAN
- Another method for purchasing land is through a home equity loan, where you receive a lower interest rate against your home’s equity. It’s important to note that defaulting on this type of loan could lead to the risk of losing your home.
HOME EQUITY LINES OF CREDIT
- Home Equity Lines of Credit (HELOCs) provide a flexible way to access funds over a specified timeframe using your home’s equity. You can use a HELOC as a down payment for a land loan and repay the HELOC amount and interest.
USDA LOAN
- The USDA offers a land and construction loan designed for low to moderate-income families planning to build a home in a qualified rural area. This option can particularly benefit those seeking a more affordable land and home construction path.
SBA LOAN
- Small Business Administration (SBA) loans are available to assist small business owners in financing raw land and construction costs for commercial buildings. The SBA 504 loan program provides fixed-rate financing with a 10% down payment, 40% loan financing through the Certified Development Loan, and 50% provided by a bank or credit union.
PERSONAL LOAN
- A personal loan can also finance your land purchase. While this approach can offer flexibility, it can have higher interest rates. You may also need to compare its shorter repayment periods with the rest.

Looking for a Land Loan?

Securing a land loan can be more challenging than obtaining a standard mortgage. However, you can increase your chances of approval with proper preparation. A credit union consultant specializing in land financing can provide significant assistance in navigating the process and ensuring your specific needs are met when purchasing land. Explore your options and receive expert guidance by scheduling an appointment with us today.

Canopy Credit Union

What is Medical Spas?What is Medical Spas?

August 2, 2023| Tuyet| 0 Comment| 12:00 am

Medical spas are a type of health care facility that provides more intensive treatment and products for the skin than a typical day spa. The treatments offered will allow you to feel refreshed and confident,regardless of whether you’re trying to eliminate cellulite or reduce wrinkles. Although many medical spas provide cosmetic treatments,some also offer an holistic approach,which includes wellness services. These spas are a favorite method for those looking to boost their appearance and confidence while pampering themselves in a tranquil environment. You can check this - with proven treatment.

Apart from the health benefits that come with a relaxing med spa in addition,they provide alternatives to more invasive procedures which can be done in an office. They include rhinoplasty,tummy tucks as well as other surgical procedures such as breast lifts or fat transfer. These services are often expensive and is not covered by insurance. Therefore,it is important to weigh the benefits and risks prior to deciding.

Medical aesthetics professionals understand that medical spas are increasing in popularity because people are ready and willing to invest their discretionary funds in procedures that provide immediate results and have a high return on investment. However,this growth hasn’t been as rapid as some would like because many doctors are worried about staffing issues as well as malpractice risks,and being able to keep up with demand on their limited budgets. Do check out this too -.

APT Injection Training provides special training for nurses and physicians who want to incorporate a medspa into their practice. They will acquire the skills, Knowledge and certifications to perform advanced cosmetic injections in their clinic. No matter how well-trained a doctor or a nurse may be in providing these spa-like services in the clinic,they must treat it as a medical treatment and take notes. The governing body could be suspicious if they do not.

Successful med-spas use established marketing strategies that drive business and enhance their online image. One of these strategies is online booking that allows clients to book appointments according to their convenience,and separate Social media pages specifically designed specifically for the medspa,and integrating the service into every directory profiles. By showing pictures of clean,luxurious spa rooms with inviting decor and luxuries furniture in the waiting area doctors can instill a sense tranquility and luxury.

It is also important to remember that patients are the sole accountable for the choices they make and their results. Medical aesthetics is growing rapidly,so it’s important to keep up with the most recent trends. Staying abreast of the latest developments can ensure your clients receive the highest quality treatment and service. Your medical spa will be a huge success and your clients will continue to return.

UUW vs DUI in Illinois: Understanding the different levelsUUW vs DUI in Illinois: Understanding the different levels

April 8, 2024| Tom Armstrong| 0 Comment| 12:00 am

In Illinois, a DUI (Driving Under the Influence) is specified as running a car while impaired by alcohol, medications, or a mix of both. The legal limit for blood alcohol focus (BAC) is 0.08% for motorists aged 21 and older. However, vehicle drivers can still be charged with a DUI even if their BAC is below 0.08% if their ability to drive securely is visibly damaged. You can see more

DUI Attorneys

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The state recognizes various degrees of DUI offenses based upon the driver’s BAC level and whether it’s a initial or subsequent offense. These include:
Standard DUI: BAC between 0.08% and 0.16%.
Exacerbated DUI: BAC of 0.16% or greater or devoting a DUI with a guest under the age of 16 in the automobile.
Felony DUI: Causing bodily harm or fatality while driving under the influence or dedicating a fourth or subsequent DUI violation.
It’s important to note that Illinois has a ” absolutely no tolerance” plan for motorists under the age of 21, meaning any kind of detectable quantity of alcohol or drugs in their system can cause a DUI cost.
Fines for

Criminal Defense Attorneys Chicago

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The fines for a DUI sentence in Illinois can be severe, varying from fines and certificate suspension to potential prison time, relying on the conditions and the driver’s previous record.
First Offense DUI:.
Minimum of one-year loss of driving Benefits.
Possible jail sentence of approximately one year.
Optimum penalty of $2,500.
Exacerbated DUI:.
Compulsory minimum of 10 days in jail or 480 hours of community service.
The prospective jail sentence of 1-3 years.
Fine up to $25,000.
Minimum 1 year license revocation.
Felony DUI:.
Obligatory jail sentence of 1-14 years.
Penalty up to $25,000.
Minimum 5-year certificate retraction.
Furthermore, all DUI sentences require the setup of a Breath Alcohol Ignition Interlock Device (BAIID) in the transgressor’s car, at their expenditure, for a specified period. The period of the BAIID requirement depends on the infraction’s extent and the motorist’s document.
It’s critical to keep in mind that DUI </secondary keyword> sentences can have long-lasting effects beyond the prompt fines, including difficulty finding work, raised insurance prices, and a irreversible criminal record. You can learn more about

Marx Klein Criminal Defense

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Interpretation of UUW.
In Illinois, an OWI (Operating While Intoxicated) fee, additionally called a UUW (Unlawful Use of a Weapon), describes the crime of bring or possessing a weapon while under the influence of alcohol or medicines. This charge is distinct from a DUI and has its own fines and legal repercussions.
The crucial elements that constitute a UUW infraction in Illinois are:.
Property of a Firearm: The private need to have a weapon on their person or within their instant Control, such as in a lorry.
Intoxication: The private must be drunk of alcohol, medicines, or a combination of both to the extent that their psychological or physical capacities are impaired.
It’s vital to keep in mind that the lawful meaning of intoxication for a UUW fee is not always tied to a details blood alcohol concentration (BAC) degree, as it is with a DUI. Instead, drunkenness is determined based on the visible disability of the person’s professors, as assessed by law enforcement police officers or various other proof.
The fines for a UUW conviction in Illinois can be severe, including:.
Possible felony charges, depending upon the specific circumstances.
Revocation of Firearm Owner’s Identification (FOID) card.
Prospective jail time, with sentences ranging from probation to several years behind bars.
Significant penalties and court prices.
In addition, a UUW conviction can have resilient repercussions, such as problem getting or preserving employment, especially in areas that require the property of guns or entail public count on.