The halogen lamp has a tungsten filament similar to the standard incandescent lamp, however the lamp is much smaller for the same wattage, and contains a halogen gas in the bulb. The halogen is important in that is stops the blackening and slows the thinning of the tungsten filament.
Unfortunately, finding the perfect time to ask for a raise or promotion is more art than science, but mid November might be a good place start. Hereâs why. First off is budgets. For companies on a calendar fiscal year (January through December), many are now planning out their budgets for 2013.
Ask the lender upfront how long it will take to approve your loan. It can't hurt to ask the lender the average time it took to process recent mortgage loans, suggests HSH.com.If you donât like the answer you get, try another lender. Generally, a lender will tell you from the start what information you must provide when you apply for a loan.t can't hurt to ask the lender the average time it took to process recent mortgage loans, suggests HSH.com. If you donât like the answer you get, try another lender. Generally, a lender will tell you from the start what information you must provide when you apply for a loan.