Archive of ‘Tips’ category
You may be quite handy around the house. You may have even completed some complex DIY jobs to a reasonable standard. That doesn’t necessarily mean you should carry out ALL repair work around the home. Take roofing for instance, as well as being a boring and difficult job, it’s also very dangerous. Even if you have watched a ton of tutorials and think you know how to do it well, you should still consider the merits of hiring a professional Raleigh roofing company instead of doing it yourself. Check out some of the most important reasons why below.
Level of Experience
So, you’ve learnt a little about roofing from online resources and YouTube. That’s all well and good, but unless you’re involved in the building trade, the level of experience you have will be nothing compared to the professionals. After all, the tradesmen and women who work for professional roofing teams have spent hours and hours perfecting their skills and learning the trade.
They have learned from experts and have the skills and knowhow that can only be picked up by carrying out the work.
Safety is of the Essence
As we noted right at the outset and you’re undoubtedly aware, roofing is dangerous. As well as having the experience and safe working practices down pat, another advantage professional roofing contractor have over would-be roofing amateurs, is the right equipment. Roofers have access to and usually at their disposal the right tools and equipment for the roof or materials they are working with. They also rely on the best safety gear that ensures the work is not only carried out to a high standard in terms of finish, but also safely too.
Work Completed Quicker
You may well be able to save a little money taking on your roofing work yourself. However, if you have little to no experience and are learning as you go along, it will take up a huge amount of your time. That may be fine if you have a flexible job and can afford to take time off, but who really has that time to waste? Hiring professionals however, who do this kind of week in and week out, means that you can reap the benefits of the roofing repairs or installations that you need much sooner.
Roofing contractors are not feeling around in the dark when it comes to this skilled trade and know exactly how to plan out, prepare and carry out work in a timely manner. Meaning, not only will you have more time on your hands to continue with your day to day schedule. But you’ll have an aesthetically-pleasing roof finished in a reasonable amount of time.
Insurance, especially when dealing with such an important and huge part of your property, is vitally important when roofing work is being carried out. As you have no professional experience, it’s unlikely that you will have the necessary insurance to cover if any mistakes or accidents occur. A professional roofing contractor, on the other hand, will have adequate insurance coverage.
There’s nothing worse than the spectre of HMRC hanging over your shoulder with a tax bill in their hands. You know you need to pay the tax bill, but you just don’t have the money. Then you need to take action quickly because HMRC won’t go away. Here are some ideas on what to do and what happens if you can’t pay your tax bill.
Unexpected tax bills
The first thing to do is to make sure the amount is correct. There may be ways you can lower your tax bill such as allowances you haven’t claimed for that you are entitled to. Or maybe there were expenses you incurred that you didn’t realise could go against your company earnings. Whatever the case, it is worth getting someone to look over your accounts and see if there is any way to reduce the bill which might make it more manageable.
If you are employed or receive a pension, usually you shouldn’t receive a tax bill because the payment should be taken under the PAYE system or deducted before you receive your payments. If you do receive a tax bill, it may be that they haven’t been collecting enough for what you have earned in which case you will need to get in touch with them to make an arrangement.
When you complete a self-assessment tax return, this will tell you how much tax you owe. But there are also situations where HMRC look into your accounts and decide you owe more than you thought and require you to make this payment.
If you can’t afford the tax bill, it is important to reach out to HMRC as quickly as possible, ideally before the payment is due. That way they may let you use the Time to Pay arrangement. This is where you can spread the monthly payments and get back on track with what you owe. This is often possible if you don’t have the funds available or could easily access them. It is always better to do this before the tax bill is due as they are less likely to let you spread the cost after the bill is due.
They can add interest to the amount if you are late with any payments and will require it to be paid as quickly as possible.
If you were due to send in a tax return but haven’t done so, HMRC can make a determination and then decide how much they think you will owe. This is an estimated amount, but it is legally enforceable until you submit the outstanding tax return. And this needs to be done within 12 months of receiving the determination. If you send your return in and it means the tax due is less, they will reduce the amount you owe.
If you know you can’t pay a tax bill, it is important to get help quickly. HMRC are more liable to help you if you approach before the payment is due. And there are also charities such as TaxAid that can provide help and advice if you still can’t pay your bill. For business, advice see here.
There are many problems that an occur in the home – and of course in other buildings – that come about naturally. One of these is mold, a perennial problem that, in many cases, is simply overlooked. This is dangerous, as it can lead to the problem rapidly becoming worse, and can be responsible for a wide variety of health problems.
Mold – also known as mildew – is a fungal growth that is caused by airborne spores. It grows most readily where there is moisture, which is where your problems begin. If you have a room that is damp, or a basement or other space that has little ventilation, then you will undoubtedly have mold. And, you need to get rid of it.
One thing you can do to combat mold is to install an air purifier in the problem rooms. We can point in you in the direction of a review that will help you find the best air purifier for your mold problem to begin with. You may also want to look at getting a dehumidifier, or indeed there are devices that serve both purposes, so that you can reduce the humidity in your home. Why do you need to get rid of mold? There are several reasons.
Why Mold is a Hazard
Mold is transmitted by airborne spores; if you suffer from allergies, this – and any pollen nearby – will aggravate the problem. An air purifier will help remove both, and therefore reduce the possibility of an allergic reaction.
Asthma can also be triggered by mold and its spores, and can be a very serious problem for sufferers. Further ailments that are associated with mold include nausea, migraine and even problems with the eyes and neurological systems.
This is because the spores released by mold are highly toxic to us humans, and as we can’t see them, we don’t know they are there. However, we can see – and often smell – mold so it is important that the problem is tackled as quickly as possible, and in the right way.
How Does an Air Purifier Work?
An air purifier will work by drawing in the air in the room, and putting it through a series of filters – the number and type depends on the device you buy, so refer back to the review we mentioned – that are designed to capture microorganisms in the air down to an absolutely miniscule size.
Any good air purifier will include what is known as a HEPA filter as part of its process. This is a type of filter that captures not just mold spores but many other microscopic bacteria and other such that may be in the air in your home, and reduces the possibility of allergy, asthma and the other ailments we mentioned, and many more.
It is always sensible to consult an expert about the right purifier for you – this will depend on factors such as the size of the room and your air quality – so get in touch now, and you’ll soon have a mold-free home and fresh, clean air to breathe.
If you’ve got investment property that you don’t have enough time to fully manage yourself or are looking to getting more out of it, then it may be time to invest in the services of a section 8 property management company. If you’re still on the fence about it, you need to consider some of the great advantages of using a property management company, as outlined in the post below.
Higher Quality of Tenants
It can be a long, drawn-out and complex process screening tenants. Therefore, if you have a lack of experience and don’t have enough time or patience, you could make bad choices in haste. On the other side of a tenancy agreement, a major problem with tenants is dealing with the bad ones and getting them to leave your property. When you enlist the help of a reputable property management team, however, you get the benefit of their quality screening process that will help them choose tenants for you that:
- Will rent for a long period of time
- Pay their rent on time
- Minimise damage to your property
- Cause less problems.
Any property manager that has worked in the real estate business for a long time, will know what to look for in a tenant applicant.
Property Vacant for Less
Professional property management teams will also be able to ensure that your property is vacant less. They will do this by helping to:
- Prepare your property for renting– They know they right cosmetic and aesthetic improvements that need to be made to get the highest rent possible.
- Calculate the best rent charge– If you set your rent too high, you may wait a lot longer than you expect to find the right tenants. However, if you set it too low, you could lose out on money on a monthly basis.
- Effective marketing of your property– Throughout their time in the industry, property managers will adequate experience will have created a multitude of ads and know the best way to word them and where to advertise so that you can attract as many suitable tenants as possible.
Efficient Rent Collection Process
It goes without saying that the collection of your tenants rent and any late fees that are applicable to their accounts constitute crucial parts of property management. To stay afloat and have consistent cash flow, you need to collect rent at the same time every month and it’s important your tenants follow this and understand it.
When you hire an experienced property management, you have a safe buffer between you and your tenants. This means that the property management team can play bag cop when it comes to collecting rent and fielding the excuses of tenants and carrying out evictions, when necessary.
Less Legal Issues
All it takes is one bad tenant to cause lots of legal and financial trauma. Therefore, hiring a property management firm with experience and expertise ensures that you can protect yourself against legal vulnerabilities and any costly lawsuits.
If you have never heard of a reverse address lookup tool before, you may wonder what one is and of what benefit it could be to you. This kind of tool has many great benefits and can be helpful in a variety of different situations. If are going to be purchasing a new home, need to verify a person’s home address or need instant information about an address for whatever reason, then look no further. Here is more information about reverse address lookup tools, where you can find one and when you may need it.
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What Is a Reverse Address Lookup Tool?
A reverse address lookup tool is exactly what it sounds like. This online tool simply allows you to gain instant information regarding an address of your choice. Using a reverse address lookup residential tool like the one at Intelius.com can provide you with an instant report and information on the residential address in question including history of the address, previous owners, current tenants, neighborhood data and other valuable information. Any search that you carry out is completely confidential and the results are given to you instantly.
When Might I Need It?
The main reason that people use a tool like this is to find out more information about a property before purchasing. Other reasons the tool is used is if you are trying to gain information regarding someone, such as other contact information. The tool could also be used in order to verify an address that a person has given to you, whether this be for personal reasons or for your business. If you have been given an address and need to know information such as names of other people who may also live there, a reverse address lookup tool can provide you with this information. For some, this tool could even be used to help track down a long-lost relative.
Benefits of a Reverse Address Lookup Tool
One of the main benefits of this particular tool is that you can gain a full report on the address, including previous tenants and even registered sex offenders. If you are going to use a reverse address lookup tool to gain more information and insight into an area that you want to live, this tool could provide you with invaluable information and allow you to judge whether this area is safe and secure for you and your children to live in. It can also give you a better insight into the true property value of a home, meaning you can find out if you are buying for a reasonable price or if the property is overpriced.
As you can see, reverse address lookup tools such as the one at Intelius.com allow you to find information about an address which could be invaluable. It helps you to determine if an area is safe before moving or may even provide you with information to reach out to a long-lost family member or friend.
Sometimes it helps to do something quite daring, to take on a challenge that you wouldn’t normally consider. Sometimes, achieving things that you thought beyond you can be life-changing. Many people have found their thrills in exciting and risky sports, others run marathons and feel the great sense of achievement that comes with crossing the finishing line.
We think there is one challenge that is above and beyond all others. It’s a chance to reach – literally – amazing heights, to conquer a natural feature of great beauty and repute; we’re talking about climbing Mount Kilimanjaro, the highest mountain in Africa, and one that is revered by climbers as a must-do event.
Of course, we wouldn’t advise you to climb this magnificent 5.985 metre high (that’s more than 19,000ft) mountain without preparation or by yourself. It is a challenge that requires you to take help and advice from expert guides, who know what they are doing, and who have your safety as a priority. Mountain climbing is dangerous, but if you go with the expert team from Climbing Kilimanjaro, you will be in the hands of the best guides in the business.
What Makes Kilimanjaro So Special?
The whole experience – from your initial trek through the forests and valleys of beautiful Tanzania, to the foothills and then the exhilarating climb to the peak – is a world away from any other experience you will ever have. You are completely at one with nature from the word go, and you are also guided by the right people.
It’s a fact that almost a third of people who try to climb Kilimanjaro fail to reach the summit. This is because they do not have the expert guides that Climbing Kilimanjaro provides, and they underestimate the challenge that this beautiful and majestic mountain presents to those who wish to tackle it.
The expert team at Climbing Kilimanjaro are more familiar with the mountain than perhaps anyone else, so you can rely upon them to give you the very best chance of reaching the summit, and enjoying what can only be described as breath-taking and unbelievable views from far above the world below. The sheer satisfaction of getting there, of having achieved the challenge, is something that you will never forget.
Choice of Routes
In addition to promising you the very best in equipment and safety precautions, Climbing Kilimanjaro also offer you a selection of different starting points and routes, so you can get the most out of your adventure.
Choose the quiet Rongai route for a 7-day trek and climb, and the best chance of seeing the wonderful wildlife that exists in the region. Or, you my prefer the 8-day Lemosho route, which is one of the least-travelled paths to the mountain.
There is so much to choose from, and once you start reading up about Climbing Kilimanjaro you are going to want to go, so why not have a look now, or get in touch and one of their team will be happy to answer any questions you might have.
Your belly is growing, and the anticipation is now sky high. You spend your time reading and watching materials that will help you feel like you know what you’re doing once the little one has entered the world. Want to know a not-so-secret fact? All those tips are valuable, but they might prove useless as well. It all depends on the baby and your dynamics, as you’re about to see. Common denominators, though? Development, sleepless nights, and a lot of stress. Sorry for saying this! We know you’re heading to the most exciting period of your life so far, but we would be doing any new mother a disservice if we told her it’s rainbows and butterflies. Because of that, here are five things you can do beforehand to make those first months easier!
1. Set Up the Nursery
You are going to spend a lot of time in the nursery, so make it as convenient for yourself as possible. Diapers and wipes should be kept close to the changing table; it should be close enough to the cabinet where you keep the baby clothes. Remember, going into the nursery will require a lot of dizziness from being woken from sleep, low light, as you don’t want to upset the baby, so take that into account. You won’t always be able to rely on finding things on the spot, so just act as if you will never be able to do that! Know where everything is well in advance, so when the baby comes, you’ll feel like you already know what to do. (Well, not really. But kind of.)
2. Stock Up on Food – Particularly Easy Meals
The person who invented easy meals should be awarded a medal. Honestly, you won’t have much time for cooking, but it doesn’t mean you should resort to pizzas all the time. (You could, but that probably doesn’t provide many nutrients to your baby!) Your freezer should be full of things that only require a quick defrost in the microwave, or alternatively, ready-to-cook meals that also only need to be reheated. We’re talking sausages, tikka masala, all kinds of stews, soups, pancakes, muffins… Smoothies are great as well, so to save your time in advance, prep smoothie ingredients in separate Ziploc bags, so once you feel like having one, put the contents in the blender with water or milk, and voila!
3. Set up Baby Leaving the House Stations
An image of a new mother and the things she carries around when going out with the baby is close to a meme. That’s because you truly do need everything! So to avoid losing and forgetting things, dedicate some things for an emergency and then forget about them. We’re talking clothes, diapers and socks that you will keep in your car and inside of your stroller. You will need a stroller that offers good storage, such as those from Maxi Cosi, and you will never have to panic when your child pukes in the park, but you have forgotten a spare shirt or a onesie.
4. Think about Diapers
We didn’t say “get tonnes of diapers” here because chances are that you will get a gazillion of diapers and then it will turn out that your baby isn’t a fan of the specific brand or type. But do your research and get small packs of as many different types as possible in newborn size – this is literally a trial and error practice. Once the baby arrives, and you find the perfect match, set up a subscription, so you are never left without a number of diapers at home.
5. Say Yes to Help
Parenting is beautiful. It’s also very hard. We get that you probably want to enjoy the new family of three (or two, or more) and keep it to yourself, at least in the beginning. But when friends and family ask you if they can come over or even stay a couple of days, don’t be quick in saying no. Yes, your house is going to be messy and you will probably smell bad. But having someone over almost always means they will offer to do laundry for you, or go shopping for groceries or just take care of the baby so you can shower for the first time this week. Accepting help is not a sign of weakness, quite the opposite. Accept it from those who have it easier in this stage of your life. After all, a shower is a blessing.
We hope we’ve given you the right hints on where your attention should go right before and right after childbirth. It’s going to be stressful, but targeting these things will be helpful, at least in the beginning. And it gets easier, we promise! You’ll realise it when your child turns three.
Are you looking to invest in a professional carpet cleaning NYC company? As there are many out there to chose from, you need to know how to find the best for the job at hand. Not all carpet cleaning companies are made equal and some are less reputable than others. To help you with your search, therefore, in the following post we are going to look at some of the main things you need to consider before hiring a company.
Do They Have Adequate Training and Experience?
Whether a carpet cleaning service is expensive or not, it’s an investment, nonetheless. An investment that you want to be sure, offers you the best returns in terms of their carpet cleaning skills and experience. No-one wants to throw away money on a bad job, so don’t be afraid to ask companies when you are seeking quotes, what their experience is, how long they’ve been involved in the industry and where they received their training.
What Kind of Resources Do they Have?
One thing that you should be interested in is just how big their operation is and whether a carpet cleaning company you are interested in has access to high quality resources. Some ‘one-man’ operations have very limited supplies of equipment and resources and are not able to provide the higher standard that others can.
Do they regularly maintain and look after their equipment? This is important because, like many other machines and pieces of equipment, a carpet cleaner will only work at the optimum level, if it has been maintained properly. So, you need to know that the company you are interested in hiring has regularly services, cleans and maintains their equipment.
Are They Being Upfront About Costs?
You need to be careful when you see a carpet cleaner offering their services for what seems to be ridiculously cheap rates. While not all are out to rip you off, some have been known to add extra charges and hidden fees on. So, you hire that company, thinking you are getting an excellent deal, only to discover when it comes to paying them that the bill is a lot more than you expected and were told in the beginning.
Look for companies that are transparent about their pricing structures and who welcome questions and answer them fully. Be less trusting of companies who you feel might be hiding something. As with many things in life, go with your gut instinct. If something seems too good to be true, it more than likely is.
Do They Use High Quality Products?
Further to the point about resources, you want to know that the carpet cleaner you hire only use good quality and effective cleaning products and machinery. The last thing you want is to spend all that money, hoping you are going to have your carpets returned to as good as new condition, only to find they’ve been stained or just not cleaned thoroughly enough because the company has scrimped on the cost.
If in doubt, ask them. Most professional carpet cleaning companies who are not looking to rip you off will be happy to discuss the equipment, cleaning solutions and other products they use.
Divorce (and the separation of cohabiting parents) typically lies on a spectrum of “mildly unsettling” to “utterly horrendous” and the fact that the UK does not currently recognise “no-fault” divorce creates additional challenges for those who are trying to manage an amicable separation, even though the legal process of divorce in the UK has a fundamental principle that the welfare of any children must be put front and centre at all times.
While members of the legal profession will do everything they can to minimise the impact on children, at the end of the day, the main responsibility for the welfare of children lies, as always with their parents. With that in mind, here are three suggestions which might help.
Have a solution prepared before you tell children the problem
Create a plan of action for you and your partner, so you are both clear on the way forward, before you tell your children. This is less about focusing on the positives of the change, as, from the children’s perspective, there may be absolutely none, but about limiting the negatives and, crucially, emphasising to your children that you remain united as parents.
NB: It is a sad fact of modern life that the more people know about something, the more likely it is that children, even younger ones, will get to hear about it, or at least rumours of it, via social media. Even if you limit your children’s access to social media (or ban them completely from using it), the reality is that they will almost certainly interact with children who do have access to it and who will pass on the gossip to their friends as people do. With that in mind, it’s strongly advisable to be very careful about where, when and with whom you discuss your feelings and plans.
Underline the fact that the divorce is about you and not about them
It can be very tricky to decide just how much to tell children, even older ones. You may wish to take the approach of telling them the truth and nothing but the truth, but not necessarily the whole truth. There is, however, one fact which must be underlined in all situations which is that the divorce is about you and your partner as individuals, not about you and your partner as parents. Not only does that mean that you will both expect to have the same relationship with your children, but it also means that you will continue to work together with regards to the practicalities of parenting, such as setting ground rules for behaviour and ensuring that they are enforced.
Keep change to a minimum
In a sense, keeping change to a minimum is a way of making good on your promise that this change is only going to affect you and your partner as individuals, rather than having a negative impact on your children. If you find yourself having to make unwelcome changes to their established routine, then you are basically demonstrating that your divorce is going to have a negative impact on them.
K J Smith Solicitors are family solicitors in Reading, specialising in all aspects of divorce and separation in including finances on divorce, family mediation, cohabitation agreements and collaborative law.
Photo credit: businessinsider.in
Has your heavy purse gotten way too hard to shoulder? There are many ways to go lighter and avoid excess baggage. Whether you’re using it as a travel purse or it’s the best toddler bags for moms.
You can never make the same mistake twice. And this Seven Tips for Lighter Purse guide shows you where you can improve.
Everything you think you need to lighten the load is right here.
[YouTube video: https://www.youtube.com/watch?v=8GWI–fsj_o]
Seven Tips for A Lighter Purse
#1 Remove Unnecessary Items Daily
Photo credit: scarves.com
You will find some item or the other at the end of every day. It takes just a minute to declutter all the garbage in your purse that you don’t need. This can drastically lighten the purse.
Even something as small as a parking ticket or wrapping paper can make a mess. More often than not, you fail to throw it away for days. So the inside of your purse becomes an eyesore to see!
#2 Always Use Your Coins
We tend to collect change and never use it. This is because coins are pushed to the bottom of the purse. And never to be seen again. Unless and until you remove everything from it!
What you’re doing is carrying around tiny but significant pieces of metal. And as the coins keep building up, it can weigh down your purse.
Just as how you have to declutter unwanted items from the bag every day. Use up all the coins you have by keeping them in a small pouch in your purse. That way, you can store them all in one place so it’s easier to find.
#3 Wear a Smarter Purse
Photo credit: ournextadventure.co
Are you carrying way too many items every day? If you cannot reduce the items you put in the purse. You can change the purse to make everything fit better and lighter.
There’s a difference between an average-quality and high-quality purse. It’s what makes these seven tips for a lighter purse possible.
A smart purse is what reduces back and shoulder pain. As heavier purses weigh you down and can cause postural problems. You might not feel the pain or discomfort on the first day. But the tension in your shoulders and back keeps building up. So it can damage your spine and the way you stand and move around.
Even the best toddler bags for moms are made of lightweight materials. Such as nylon, cotton, and canvas. They’re lighter and breathable than leather. Plus, leather is a stiff material with fewer pockets and buckles to experiment with.
#4 How Many Beauty Products Do You Need?
Photo credit: stylesalute.com
We think we need those many lipstick shades for a day. But do you ever really use it? Minimizing your make-up products to the bare essential is necessary. You don’t need as many beauty products to get you through the day.
Eliminate the extra cosmetics you have lying around in the purse. This includes the clunky compacts, hair spray, brush, and other items.
#5 Buy Everything in Travel Size
This tip can really come in handy. Especially if you like to carry your whole world in that little purse of yours!
Need all your essentials to get you through the day? No problem! But make sure you buy them in travel size. Nowadays, you get everything down to its smallest size. This can be a hand sanitizer, tissues, key holder, etc.
Buying travel size items reduce clutter for the long run. You can buy a few extras for your house. Once the pack in your purse is over, replace it with a new one.
This helps keep your bag light and reduces clutter at the end of every day.
#6 Do Not Buy a Bulky Wallet
The bigger your wallet is, the more things you’d want to put in it. With a smaller and handy wallet, you can put just your credit card, business card, and cash.
Some of the unnecessary items in a bulky wallet are as follows. Old receipts, other business cards, offer cards, and foreign change. It’s time to leave everything you don’t need behind. A small wallet will house all the essentials that you need on a daily basis. This includes your identification, credit cards, and cash.
#7 Reduce the Number of Electronics in Your Purse
Photo credit: rd.com
The last but definitely not the least important tip is electronics. Do you really need to carry an mp3 player, a tablet, and an e-book reader? It’s highly unlikely that you will use all these items in a single day.
Not to forget, you also have your phone to put in which adds to the load. Stick to using only a single electronic gadget a day. If you’re in the mood to read, carry a book or Kindle. If you want to listen to music, your personal mobile phone or an mp3 would work.
There’s a lot to cut back on when looking at these seven tips for a lighter purse. And at the end of the day, you feel more comfortable and lighter. Isn’t that the whole point of decluttering your purse?
You have no choice but to carry around your purse each day. So you might as well have it lighter, more supportive, and not-at-all painful, right? These seven tips for lighter purse make sure of that.
About the author:
Jennifer Kessler uses every bit of her personal experiences to make the most of the blogging community. Her articles are not just words put together. Kessler creates only after she gets a first-hand experience herself. Doing something and then writing about it makes more sense than not experiencing it altogether. So her work is completely authentic, reliable, and even invaluable to women readers.