| How to Adjust a Humidifier on a Furnace Posted: 29 Oct 2020 05:00 PM PDT A furnace humidifier, also called a whole home humidifier, attaches directly to your heating system to control the moisture throughout your entire home. It's much more convenient than setting up humidifiers in each room. However, you need to set these devices right or your home will be uncomfortable. Luckily, adjusting them up or down is very easy. With a few changes, your home will stay comfortable throughout the whole year. [Edit]Setting the Humidistat - Read the humidifier instruction manual before making any adjustments. While most whole home humidifiers work similarly, there might be some differences in how to adjust them. Always check the manual before you make changes to avoid any mistakes or problems.[1]
- If the instruction manual provides different instructions, then follow the manual instead. Those directions are designed for that specific product.
- Locate the humidistat for your humidifier. The humidistat is the control panel for the humidifier. It's usually a small box mounted on the wall directly above or below the humidifier. Some models also have a humidistat on the main humidifier body.[2]
- If you have trouble finding the humidistat, look for a wire or cable running out of the humidifier. This should lead to the humidistat.
- A digital humidistat will have a screen displaying the current humidity settings and a few adjustment buttons. An analog type will have a dial.
- Turn the dial to your desired humidity setting if it's an analog type. An analog humidistat has an adjustment dial to set the humidity level. The lower numbers represent a lower humidity setting, and the higher numbers represent a higher setting. Turn the dial until you reach your desired humidity level.[3]
- The dial might have numbers or percentages to represent the humidity setting. Either way, as the numbers go up, so does the humidity level.
- Press the up or down arrow buttons if you have a digital humidistat. A digital humidistat should have buttons instead of a dial. The same rules apply though – raising the numbers raises the humidity, and vice versa. Press the up or down buttons until you reach your desired humidity level.[4]
- Wait 24-48 hours to see if your home is comfortable. It takes some time for the new humidity level to take effect, so wait about a day to see if the adjustment worked. If you still need more or less humidity, then adjust the humidistat again.[5]
- If you see condensation on the windows or walls, then the humidity setting is too high. If the air feels dry and your lips and mouth are drying out, then it's too low.
[Edit]Finding the Right Setting - Start with your humidistat set in the middle. If you don't know where to start with your humidifier setting, then you can figure out the best setting by beginning in the middle. Set the humidifier right in the middle between its highest and lowest settings. On most humidifiers, this is about 4 or 5, but the scale depends on the model.[6]
- The exact middle setting depends on your humidistat. Some might go from 1 to 10, and others might use a different scale like 1 to 7.
- If your humidistat uses a percentage setting, try setting it to 40% to start. This is a good middle setting that many people find comfortable.[7]
- Wait 24-48 hours to see what the humidity level feels like. Let the new humidity setting take effect for about a day. After that, you'll be able to tell how the home's humidity feels. After this, you can adjust it either way based on your comfort level.[8]
- Turn the humidistat down if you see condensation on your windows. This is a sign that the home's moisture is too high. Dial the humidistat down 1 or 2 positions and check back in 24 hours. If the condensation stops and the home feels comfortable, then this is the right setting.[9]
- Don't leave your humidifier on a level that causes condensation. This can cause mold growth.
- You'll probably have to readjust the setting as the seasons and temperature change. This usually leads to condensation.
- Increase the humidity if you're getting shocks or the air feels dry. If your home is too dry, the first thing you'll probably notice is that you get shocks when you touch things. This is because dry air causes static electricity to build. Your throat or eyes might also feel dry, which is another sign that the humidity is too low. Set the humidifier up 1 or 2 positions and see if this fixes the problem. If 24 hours pass and you feel more comfortable, then this is a good setting.[10]
- Some other signs that your home is too dry are bloody noses, your eyes or lips drying out, feeling thirsty, and dry skin.
- Select the automatic setting if your humidifier has the option. Some newer digital humidifiers have an automatic setting, which means it adjusts itself based on the outside humidity and temperature. This can save you the trouble of having to adjust it regularly. Check the humidistat for an "automatic" button, or look in the instruction manual, and set the humidistat to adjust itself if you want to.[11]
- Even if you have your humidistat set to automatically adjust, you should still be able to set it manually if you want to make any changes.
- Continue monitoring your home's humidity levels even if you have the humidifier set to adjust automatically. The automatic setting isn't always ideal.
- If you're having trouble with your humidifier, contact an HVAC professional.
- Your humidifier will probably need adjustment when there are big changes in the outside temperature, like when the seasons turn. Plan on readjusting your humidistat every few months at least.
[Edit]Warnings - Turn your humidifier down right away if you see condensation building up on the inside of your home. This could cause mold and mildew to grow in the walls.
[Edit]References |
| How to Hold an Archery Bow Posted: 29 Oct 2020 09:00 AM PDT The right way to hold a bow depends on the type of bow you are using. You hold a compound bow and a crossbow in two very different ways. While the correct hold for a basic recurve bow and longbow are similar to the hold you use for a compound bow, there are a few variations with these grips that you will need to keep in mind. [Edit]Compound Bow - Approach the bow from an angle.[1] Hold your dominant hand out in a position that is perpendicular to the ground. Turn it clockwise by about 20 to 35 degrees. Your fingers should be loose and spread apart in a natural, relaxed manner. This is the position you will need to grasp the bow with.
- If you are using your left hand, turn the bow counter-clockwise instead of clockwise.
- You need to resist the temptation to "shake hands" with the bow. In other words, do not grasp it directly from a straight angle. Doing so can put your hand off-center with the grip, so the bow is more likely to twist as you use it. Moreover, you are also more likely to grab the bow too tightly in this position, which could also lead to unwanted twisting of the wrist while shooting.
- Let the bow grip fall into the pocket of your hand. With your hand still in its previous position, note the pocket that forms inside the palm of your hand. Lift your fingers upward slightly and slide the grip into this natural pocket.
- If you are unable to feel the pocket, you might be forcing your fingers open too much. Doing this can cause the muscles in your palm to stretch and become tense, which can cause this pocket to disappear.
- This pocket is the only secure spot you can hold the bow with. If you grab the bow grip with any other part of your hand, your hand is likely to change position once you apply pressure.
- A more precise location of this spot is where the radius bone meets the palm, directly at the base of your thumb. It also happens to coincide with your lifeline.
- Relax your fingers around the grip. Let the fingers of your dominant hand naturally hang along the handle or grip of the bow. Your index finger should brush against your thumb, but the rest of your fingers should be relaxed and loosely curled around the handle.
- Your index finger and thumb are the only two fingers that should catch the bow after you make a shot. The rest of your fingers should not press down on the bow grip at all. If you have difficulty keeping the bow steady like this, you may also use your middle finger to help hold the bow in place, but you should never use your entire hand.
- You may even decide to fold the bottom two or three fingers into your palm to keep them from getting in the way.
- This is the way you should hold the bow when you are preparing to shoot an arrow.
[Edit]Crossbow - Hold the crossbow like a rifle.[2] Hold the crossbow so that the back is butted against your shoulder. Support the barrel of the crossbow at its center of gravity using your non-dominant hand. Hold onto the back of the crossbow around the trigger using your dominant hand.
- The back of the bow should be positioned above and just to the inside of your armpit.
- Wrap your non-dominant hand firmly on the barrel, supporting it from the bottom.
- Keep your fingers out of the way of the trigger mechanism. Your index finger should be the only finger not bent while firing the bow.
- Alternatively, bring the crossbow up above your shoulder. The second basic way to hold a crossbow is similar, but instead of supporting the back of the bow with your shoulder, you rest the bottom back on top of your shoulder. Your non-dominant hand still supports the barrel at its center of gravity while your dominant hand rests near the trigger.
- Securely grasp the barrel of the bow with your non-dominant hand.
- Position your dominant hand so that it rests to the outside of the bow. Your fingers should be extended, and your thumb should rest just below the trigger. When you shoot the crossbow using this method, you will activate the trigger by pressing up on it with your thumb.
[Edit]Basic Recurve Bow - Hold the bow perpendicular to the ground. When you first grab the bow, do so while the bow is in a horizontal position. The bow should line up vertically with the strings, and the entire thing should face the ground at roughly a 90 degree angle.[3]
- A well-made recurve bow will usually have a grip on it that naturally guides the and in place. Even so, it can be a good idea to know how to place your hand on the bow correctly, just in case the balance of the grip does not work for your strength and height or in case you must use a cheaper recurve bow.
- Grab the bow with your non-dominant hand. The grip should rest inside the pocket of your non-dominant hand. This pocket is the natural gap that lies in between your palm and your thumb. Check to see that your lifeline is straight up and down.
 - If you cannot find the pocket of your hand, try to relax the muscles in your hand more. Oftentimes, tense muscles can cause this pocket to disappear.
- Note that if you fail to grab the bow with this portion of your hand, you may not have enough stability to control the bow as you draw it back to shoot.
- Ideally, the force of your hand should be at the lateral center of the bow grip and just slightly below the vertical center of the grip. The grip usually lies at the center of the bow. If your bow does not have a grip built into it, grab it near the center and adjust your hand placement accordingly until you can get a firm enough grip to prevent the bow from swaying as you hold it.
- You may need to test your hold on the bow by drawing the string back. The hand should feel comfortable, and the center of your hand should come into full contact with the center of the bow grip. There should also be no pressure or force on the wrist during a shot.
- This is a good time to check that you have the right bow. If you are drawing the string with your right hand, you should buy a right-handed bow and the arrow/arrow rest should be on the left side of the bow. Vice versa if you draw with your left hand.
- Bend your fingers around the grip. The thumb should rest on the back of the bow grip, and the index finger should wrap around the front and barely brush against your thumb from the other side, if at all. Ultimately, the index finger and thumb must both feel firm without feeling tense.
- The remaining three fingers of your hand should gently curl toward the front of the bow grip. You may notice that the middle and ring fingers can wrap around the grip while the pinky curls and presses against the grip. The important thing to remember is simply to prevent your fingers from getting stressed.
- The position of your fist, including the index, middle, ring, and pinky fingers, should move down diagonally at a 45 degree angle from the bow.
- Note that the force of the bow should be placed on the thumb and index finger. These two fingers are the only ones that will really end up controlling to direction of the bow.
- Keep your hand relaxed, yet steady. The placement of your fingers should not change as you draw or release the bow. Also note that the tension should only exist in your hand and nowhere else. In other words, keep your wrist, arm, and shoulder relaxed.
- Also note that the left part of your palm should not be allowed to touch the actual grip part of the bow. Instead, it should face downward, toward the ground. If the palm touches the bow, you will be unable to turn the bow arm inward, which can lead to a bad shot.
[Edit]Longbow - Hold the bow at a 90 degree angle. The entire bow should be perpendicular to the ground. The stick portion of the bow should appear horizontal, as well as perpendicular to your body, and the strings should line up with the stick on a vertical plane.
- The longbow varies from the recurve and compound bow in that the wrist grip needs to be positioned a bit lower in order to maintain adequate balance. You will ultimately apply more pressure with the heel of your hand, and the pivot point will be further away from the arrow.
- Bring the bow into contact with the ball of your thumb joint. Position the bow grip in your non-dominant hand so that the primary point of contact lies roughly on the the base of your thumb. More precisely, the bow should rest just outside of the thumb joint, at the fleshy part of your hand just below the pocket of your thumb.
- The "pocket" refers to the portion of your hand in between your thumb and palm. As long as your hand is relaxed, you should easily find this natural space composed mostly of flesh.
- Unlike a recurve or compound bow, the point of contact you have with a long bow should be at the lowest part of this pocket rather than at the center. The force must ultimately rest on the heel of the hand and below the thumb joint, so this should be where your primary point of contact is.[4]
- Be careful as you grip your bow. If your grip is too near the thumb, you will have poor aim and will ultimately end up stressing your thumb joint. If your grip is too near the palm, the bow will be highly unstable.
- Curve your fingers around the bow grip. You may need to play around with finger placement in order to find something both firm and comfortable, but as with other bow types, most of the control will come from the thumb and index finger.
- The thumb should wrap around the back of the bow. The knuckle may end up resting toward the inside edge of the grip, but only slightly and not in a dramatic manner.
- The index finger will usually wrap around the front of the bow and meet the thumb from the other side. Note, however, that you should only just barely allow these two fingers to meet. If they are pressed together, you are likely gripping the bow too tight or strangling it. This can cause serious pain to your hand, and it may also slow the flight of the arrow when you shoot.
- The remaining three fingers should wrap around the front of the bow. Keep them relaxed and natural, but firm. The pinky finger can move around some and is not a crucial element of the grip, but usually, you will still want it to curve around the front of the bow.
- Keep the force in your hand. The pressure should rest on the ball of your thumb as you shoot, and the wrist should remain as straight as possible.[5]
- When you draw the bow string back, your elbow will need to be level with your shoulder in order to maintain this balance in your hand. Your wrist should never be forced to flex during the process, and you should keep as much pressure as possible out of your arm muscles.
- Finished.
- Consider practicing the way you hold your bow in front of a mirror. Doing so can give you a more accurate picture of what you are doing, and you might be able to notice errors in your grip when viewed from multiple angles. Just make sure that you do not use an arrow when practicing your bow hold in front of a mirror.
- Which way round you shoot is not decided by which is your dominant hand. It is decided by which eye you are going to use to aim. An archer aiming with the right eye holds the bow in the LEFT hand so that the arrow can be pulled back under the right eye.
- The bow shown as a longbow is not a true longbow it is an American flatbow. The archer shown has the arrow on the wrong side.Whatever bow you use the arrow goes on the side where your knuckles are. With a true (English) longbow there is no rest for the arrow it sits on the top finger of the hand holding the bow.
[Edit]References |
| How to Dispute Items on a Credit Report Posted: 29 Oct 2020 01:00 AM PDT You're looking at your credit report and you notice an item that's wrong. You know errors on your credit report can damage your credit score, but what can you do to fix it? All 3 US credit bureaus (Equifax, Experian, and TransUnion) allow you to dispute credit report items online for free, which is the easiest way to take care of the problem. If you find an error on one credit report, check the others as well. If the error is repeated on other reports, you'll need to file disputes with each bureau separately.[1] [Edit]Equifax - Visit the Equifax website to file your dispute online for free. Go to https://www.equifax.com/personal/credit-report-services/credit-dispute/ and click "submit a dispute" to start the process. It's a good idea to have information about the item close at hand before you get started so you can fill out the online dispute form more quickly.[2]
- For example, if one of your credit accounts is showing "delinquent" status when you know you're up-to-date on payments, pull up your payment history on the account so you have it handy.
- Create a "MyEquifax" account if you don't already have one. The website will prompt you to enter your login information if you already have an account, or to create a new one. Provide identifying information, including your birth date and Social Security number, then answer questions about your credit report to verify your identity.[3]
- Equifax only asks for this information once so your credit report can be found. Even though the site itself is secure, protect your information by not setting up your account on a public computer or while using public Wi-Fi.
- Provide information about the item you want to dispute. Specific details allow Equifax to resolve the dispute more efficiently. At a minimum, you'll need the following information:[4]
- The name of the lender or company that reported the item
- The account number listed with the disputed item
- The dates associated with the disputed item
- An explanation of why the information is incorrect
- Attach digital copies of documents that support your dispute. Documents that prove the item on your report is incorrect help Equifax resolve your dispute more efficiently. Documents Equifax accepts include:[5]
- Copy of your driver's license or passport, if you're disputing personal information
- Copy of your valid Social Security card, if you're disputing your Social Security number
- Copy of your driver's license, lease, or mortgage, if you're disputing your address
- Copy of your account statement or letters from the lender, if you're disputing an account item
- File your dispute over the phone or by mail if you're not comfortable online. Even though the Equifax website is secure, it's not a good idea to file a dispute online using a public computer or over a public wireless network — your information could be stolen. Instead, call Equifax at 866-349-5191. This number is staffed 7 days a week from 8 a.m. until midnight ET. You can also mail a written dispute.[6]
- If you're filing your dispute by mail, include a letter with your personal information and details about your dispute (there's a form you can download at files. consumerfinance.gov/f/documents/092016_cfpb_ CreditReportingDisputeLetter.docx). Send the letter along with copies of any supporting documents using certified mail with returned receipt requested so you'll know when Equifax gets it.
- For mail, use the following address:
Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374-0256
- Check the status of your dispute after a couple of weeks. If you filed your dispute online, you can check the status at any time through your MyEquifax account. Equifax indicates that it usually reaches a decision on disputes within 30 days, but you may get a resolution sooner.[7]
- For example, if you have a relatively straightforward dispute, such as that your name is spelled wrong or your Social Security number is incorrect, Equifax can usually correct that relatively quickly.
- Disputes that require contacting a lender for more information might take more time. Equifax sends a notification when the dispute has been resolved. But at any step in the process, you can check online and see what's happening.
- Contact the lender directly if you don't agree with the results. Check your report for the contact information of the lender that provided the information and send a letter directly to them describing the dispute. Attach any documentation you might have to prove that the item was reported incorrectly. Many lenders take disputes online if you're still an active customer.[8]
- You also have the option of filing a dispute with Equifax again. But unless you have any additional information that you didn't have when you filed your first dispute, it's unlikely that the result will change.
- Add a consumer statement to your report if you disagree with the decision. If Equifax hasn't resolved the dispute to your liking, you can add a statement to your credit report indicating that you dispute the item or believe it is incorrect. Equifax requires the statement to be 100 words or less and directly related to the dispute. There's no online option for this, so you'll have to mail your statement to Equifax.[9]
- Mail your statement to:
Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374-0256 - While the statement won't impact your credit score, it might have some sway on an individual, such as a landlord or a mortgage lender, who was looking over your credit report.
[Edit]Experian - Go to the Experian Dispute Center online and create an account. Go to https://www.experian.com/disputes/main.html and click "Start a new dispute online" to create an account with the Dispute Center. To verify your identity, provide your name, street address, Social Security number, date of birth, and phone number.[10]
- If you've lived at your current address for less than 6 months, provide your previous address as well.
- Experian may ask additional questions to verify your identity using information in your credit report.
- Complete the online dispute form. Select the item you want to dispute from your credit report, which will be displayed. Then, choose the reason you're disputing the item from the drop-down menu. If additional information is required, a box will appear for you to enter that information.[11]
- If you want to dispute multiple items, you'll need to start a new dispute for each item.
- Review your dispute carefully before you submit it.
- Upload any documents related to your dispute. Use the "Upload a Document" link after you've submitted your dispute to send anything you have that supports your reason for disputing the item.[12]
- For example, if an account is listed as "settled for a lesser amount" when you actually paid off the account in full, you might include a payment receipt, email, or letter from the lender indicating that your account was paid in full.
- Mail in a written dispute if you can't use the online Dispute Center. Even though the Experian site itself is secure, it's still not a good idea to access your credit report online from a public computer or using public Wi-Fi. If you don't have private internet access, download the printable form at https://www.experian.com/blogs/ask-experian/wp-content/themes/exp/pdf/dispute-form.pdf.[13]
- Mail your completed form to:
P.O. Box 4500
Allen, TX 75013 - If you have any documents that support your dispute, include photocopies with your form. Use certified mail with return receipt requested so you'll know when Experian gets your dispute form.
- You can also file a dispute over the phone by calling the number listed on your Experian credit report. If you don't have your report and want one mailed to you, call 866-200-6020.
- Track your dispute status through your Experian account. Experian sends you email notifications whenever the status of your dispute changes. You can also check the status in the "Alerts" section of your Experian account.[14]
- If you see "open," this indicates that Experian has started investigating your dispute. "Update" means your credit report is being updated. "Dispute results ready" means Experian has issued a decision on your dispute.
- Generally, it takes 30 to 45 days for Experian to complete an investigation into your dispute and issue a decision.[15]
- Contact the lender directly if you disagree with Experian's decision. If Experian isn't going to change your credit report, that's most likely because the lender proved to them that the information they reported was correct. Use the contact information for the lender on your credit report to contact them and tell them their information is wrong. You may be able to get your report changed that way.[16]
- You also have the option of starting the same dispute with Experian again, but this doesn't make a lot of sense unless you have new information or additional documentation that you didn't provide the first time.
- Add a statement of dispute to your report if you still disagree with the decision. In the Dispute Center, choose the item on your report that you disputed, then choose "Add a Statement" from the drop-down menu. Type in the statement you want to make about the item.[17]
- Your statement will appear on your credit report next to the disputed item in question. Anyone who reviews your report will see it and might have questions about it for you. Keep the documents you have that are related to the dispute handy so you can show them to anyone who asks.
- While adding a statement won't impact your credit score, it might be persuasive to a lender, particularly if the disputed item is the only negative mark on your report.
[Edit]TransUnion - Create an account on TransUnion's website to file an online dispute. Go to https://www.transunion.com/credit-disputes/dispute-your-credit, scroll down a bit, and click on "start dispute." You'll be taken to the account login page, where you can enter your username and password if you already have an account, or create a new one.[18]
- To open your account, provide personal information to verify your identity. You might also be asked questions about information contained in your TransUnion credit report.
- If you've previously requested a dispute, freeze, or fraud alert online from TransUnion, you likely already have an account. The login page gives you options to recover your username and password if you've forgotten them.[19]
- Select "New Investigation" to start your dispute. Scroll through your credit report on the screen and select the item you want to dispute. If you want to dispute more than one item, you can do them all using one form. Just make sure you've selected all the items.[20]
- Because your personal information has already been validated through your account, you don't need to add anything. You also don't need to make a statement describing the reason you're disputing an item.
- Upload documents that support your dispute. If you have documents that show the item is incorrect, such as an account statement or a letter from the lender, you can upload them after selecting the item on your report. Providing documents often enables TransUnion to resolve your dispute more quickly.[21]
- You can't upload documents if you're disputing personal information, such as your Social Security number, date of birth, or current address. If you're disputing any of this information, use the phone or mail dispute options.
- Use phone or mail dispute services if you can't start your dispute online. If you're disputing personal information or if you don't have access to a private internet connection, call 833-395-6941 Monday through Friday between 8 a.m. and 11 p.m. ET and make your dispute by phone. You might still want to mail in documents that support your dispute.[22]
- If you don't want to call, use the form available at https://www.transunion.com/docs/rev/personal/InvestigationRequest.pdf to submit your dispute by mail. Make copies of any documents you have that support your dispute and include them with the form.
- Use the following address to mail your dispute or documents:
TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000 - Even if you submit your dispute over the phone or by mail, you can still check the status online if you create an account.[23]
- Check the status of your dispute through your account. If your dispute is pretty open-and-shut and you've uploaded documents that prove it, TransUnion might only take a few days to resolve it. More complicated disputes take longer. The status of your dispute is constantly updated in your online account, so you'll know what happens.[24]
- While it might take up to 30 days to resolve your dispute, TransUnion clears most disputes within a couple of weeks.
- Contact the lender directly if you disagree with the dispute results. If TransUnion doesn't change the information on your credit report but you still believe it's incorrect, your best bet is to go to the lender who provided the information and tell them their information is wrong. Make sure you have documents to back up your claims.[25]
- There's contact information for the lender on your credit report. If you're disputing information about an account that's in collections, make sure you have the right contact information for the company that reported the information.
- Add a consumer statement to explain the disputed item. If you disagree with the results of your dispute, login to your account and select the option to start another investigation. However, instead of starting an investigation, scroll down to the "Consumer Statement" section of your credit report and click "Add Statement."[26]
- TransUnion has some prepared statements that you can choose from. If none of them precisely fits your situation, write your own instead. It just needs to be 100 words or less (200 words or less if you live in Maine).
[Edit]Template and Sample Dispute Letter - If you see account information on an existing account that's incomplete or inaccurate, it's often more efficient to contact the lender directly about the error rather than going through the credit bureaus.[27]
- If your dispute isn't resolved to your satisfaction, you can also file complaints against the credit bureaus or the business that reported the item to the Consumer Financial Protection Bureau or your state's attorney general.[28]
- Through April 2021, all 3 credit bureaus are offering free weekly credit reports to assist with the financial hardship associated with the COVID-19 pandemic.[29]
[Edit]Warnings - This article covers how to dispute items on a credit report in the US. If you live in another country, the process might be different. Talk to someone who works at a local consumer protection agency or organization.
- If you find an error on one of your credit reports, it might also exist on the others. Get copies of all 3 credit reports to make sure. You'll have to dispute each error individually.
[Edit]Related wikiHows [Edit]References |
No comments:
Post a Comment