Daily Archives: January 8, 2019

Engineer wearing a hard hat and safety eyeglasses

Types of Safety Eyeglasses in the Workplace

Engineer wearing a hard hat and safety eyeglassesOver 300,000 workplace-related eye injuries are reported annually. Over 90% of these injuries are preventable with the right kind of PPE for eye protection. There are different eye protection options for your workplace designed for protection from laser radiation, flying debris, and chemical splashes.

These include laser and general safety glasses, goggles, face shields, and brow guards. Safety eyeglasses are the standard and bare minimum eye protection according to set ANSI standards. Unlike regular eyeglasses, they have a one-piece lens or side shield which wraps around the user’s temples.

Although generally associated with the manufacturing sector, safety glasses are used in many industries. The following are the characteristic features for safety eyeglasses for different applications.

Photochromic Safety Glasses

The lenses of photochromic safety glasses change to adjust to new lighting conditions. These glasses are hence the best choice for people who work indoors and outdoors since it negates the hassle of switching lenses for different areas.

The highest quality photochromic safety glasses change from a clear shade to tinted in about eight seconds and from tinted to clear in thirty-five seconds. ANSI-certified photochromic safety glasses also have an anti-scratch coating and block 99% of UV rays.

Warden Safety Glasses

These are the most common types of safety glasses since they are used for lawn work, tree trimming and in the construction sector. Their lenses are broader and thicker compared with conventional glasses, but they are lighter than other safety glasses.

The lens of warden safety glasses is made of polycarbonate and comes in various colours, including smoky grey, clear with an enhanced silver AR and wholly clear. The glasses come with a comfortable nose pad, non-slip grip and sometimes rubberised earpieces designed for ear protection and comfort.

Forensic Glasses

These are specifically designed for investigators and come equipped with a UV lamp. There are several types of forensic eyeglasses. The ideal choice for you depends on the material you are inspecting, its condition and the lighting of your environment.

There are three lens options available for forensic glasses based on how much reflected light you want to filter out of your work site. Red lenses transmit 2% light at 583nm; yellow lenses transmit 2% at 480nm while orange ones transmit 2% at 549nm.

Medical Safety Glasses

Scientists wearing a medical safety glassesThese are mostly used by those working in lab and examination rooms where they are exposed to harsh light and dangerous chemicals. Medical safety glasses come with anti-fog coating, glare reduction, and polycarbonate lens and frames. ANSI-certified glasses also have a non-slip rubberised nose pad and temple bar for enhanced comfort.

Welding Glasses

Welding arcs generate a form of radiation called arc eye, which damages the eyes. As such, eye protection with the right lens’ shade is vital. The ideal shade number for your lens depends on your welding type. A rating of 2, for instance, suffices for torch soldering, while 14 is the minimum for carbon arc welding.

The safety glasses mentioned above should be replaced after every two years regardless of condition. Any replacement of damaged safety eyeglass parts should be done with those from the same manufacturer. This guarantees their preserved safety rating.

Loan for home repairs

What Are The Pros And Cons Using HELOC To Pay For Home Repairs?

Loan for home repairsThe main advantages of using a home equity line of credit (HELOC) loan involves a lower interest rate compared to other similar loans, such as a reverse mortgage. However, HELOC has certain drawbacks that may be risky if you don’t understand how it works.

If you live in Utah, finding a cheaper rate for a home equity line of credit in Ogden will depend on your credit history. You could apply for one from a bank or a federal, community-based credit union, but you should first determine if you meet certain requirements.

What Are The Advantages?

HELOCs usually incur no fees on loan servicing and only charge low closing fees, so it is a good way to leverage the equity on your property for a big-ticket purchase such as repairs. Aside from a lower interest rate, a HELOC still leaves you with some equity if you decide to sell it or pass it on to your children. This is possible since your loan balance will usually be lower than the value of your house.

In some cases, your interest rate payments could also be deducted to your taxes. You don’t need to reach a specific age to qualify for a HELOC, unlike a reverse mortgage loan. Borrowers may also draw as much money as they wish from an approved HELOC loan. The risks, however, are contingent on the amount.

Understanding The Risks

Couple applying HELOCA HELOC loan with a small limit will obviously be more manageable to pay off, but payments on interest are variable. This means that it would be difficult to estimate your monthly payments, although your contract should state the maximum possible rate that may be incurred throughout the loan’s term.

Those who decide to max out their limit should be careful about this. Your monthly payments could increase beyond your capacity to pay if interest rates increase over time. Borrowers may lose their homes if they fail to pay, which may lead to foreclosure. If the sale proceeds from the foreclosure are not enough to pay off your balance, your lender would still be able to go after you for payments through a deficiency judgment.

Other Alternatives To HELOCs

If you dislike variable interest rates, a home equity loan is an alternative option. This is a better option for those who are already aware of the required amount you need to have, aside from wanting to pay a determined monthly installment.

A reverse mortgage also provides you with nonrecourse, which means that lenders may no longer demand payment for any balance left after a foreclosed home’s sale. Most lenders require borrowers under a reverse mortgage deal to be at least 62 years old. They should also be the primary resident of a property and ideally own the house.

Conclusion

Think carefully about taking out a HELOC loan to avoid spiraling into unwanted debt. If it is necessary, applying for a low amount and relying on your savings fund would be a better option to fund a large expense.