7 common home improvement mistakes to avoid
home and garden

7 common home improvement mistakes to avoid

Embarking on a home improvement project can be an exciting endeavor. These projects offer homeowners the chance to add value, functionality, and a touch of their personality to their living spaces. However, without proper planning and execution, these projects can rapidly go over budget. So, here are some common home improvement mistakes to avoid to ensure the remodeling journey is smooth, satisfying, and adds lasting value to one’s property. Underestimating the budget Homeowners often make the mistake of underestimating the total cost of their project before embarking on it. It’s essential to create a detailed budget, accounting for materials, labor, and any unexpected contingencies. One should allow for a buffer in one’s budget to tackle unforeseen challenges that may arise during the renovation process. Skipping research and planning Jumping into a home improvement project without proper research and planning can lead to inefficient use of resources and unsatisfactory results. One is advised to take the time to thoroughly research design ideas, materials, and potential contractors. One can plan out the entire project step by step, considering timelines, permits, and potential disruptions to one’s daily life during the renovation. Hiring the wrong contractors Selecting the right contractors is crucial to the success of one’s home improvement project.
Basic laundry dos and don’ts to keep clothes looking new
home and garden

Basic laundry dos and don’ts to keep clothes looking new

Proper laundry care is essential to maintain the quality and durability of clothes. To achieve this, it is crucial to adhere to a set of dos and don’ts when doing the laundry. These guidelines not only ensure effective cleaning but also help prevent common laundry mishaps. Following some basic rules and best practices can help transform the way laundry is done and help keep clothes looking as good as new. Dos Read the labels Always check the care labels on all clothing before washing. They provide essential information about the recommended water temperature, washing instructions, and drying methods. Sort the laundry Separate laundry into different piles based on colors and fabric types. Wash whites and light colors separately from darks to prevent color bleeding. Also, separate delicate items from heavier fabrics to avoid damage. Use the right detergent Using a gentle detergent for delicate fabrics and a regular one for everyday items is recommended. Moreover, following the amount specified on the detergent label is important. Follow water temperature guidelines Pay attention to the recommended water temperature on the care labels. Hot water can shrink or fade some fabrics, while cold water is gentler on clothes. When in doubt, use a cold wash.
5 mistakes to avoid when cleaning a bathroom
home and garden

5 mistakes to avoid when cleaning a bathroom

Cleaning the bathroom is a task few people look forward to, but it is a necessary chore to maintain a healthy and hygienic living environment. However, many people make common bathroom cleaning mistakes that lead to unsanitary conditions and even cause damage to fixtures and surfaces. Sometimes, it can also lead to mold growth. So, to ensure the process is free from pitfalls, here are some common bathroom cleaning mistakes to avoid. Neglecting regular cleaning One of the most significant mistakes people make is neglecting regular bathroom cleaning. Bathrooms are high-moisture areas and can quickly become breeding grounds for mold, mildew, and bacteria. So, establish a consistent cleaning routine to prevent these issues. Using harsh cleaners on delicate surfaces Not all bathroom surfaces are the same. Using abrasive or harsh chemical cleaners on delicate surfaces like marble, granite, or natural stone can cause irreparable damage. Instead, opt for gentle, non-abrasive cleaners specifically designed for these surfaces. Ignoring ventilation Proper ventilation is crucial in the bathroom to prevent moisture buildup and mold growth. So, always use the exhaust fan or open a window while cleaning to help dry out the area quickly. Additionally, make sure to clean the exhaust fan regularly to maintain its effectiveness and durability.
5 common bathroom cleaning mistakes to avoid
home and garden

5 common bathroom cleaning mistakes to avoid

A clean and well-maintained bathroom not only promotes personal hygiene but also contributes to the overall cleanliness and ambiance of one’s home. Today, several bathroom cleaning products and equipment are available to ensure a spick-and-span bathroom. Even so, certain common bathroom cleaning mistakes can hinder one’s efforts. This article delves into these prevalent errors and provides valuable insights on how to steer clear of them, ensuring that one’s bathroom shines with pristine brilliance. Neglecting regular cleaning One of the most common mistakes people make is neglecting regular bathroom cleaning. Bathrooms are susceptible to moisture, which can lead to the growth of mold, mildew, and bacteria. Skipping regular cleaning sessions can allow these issues to escalate, making them harder to tackle later on. Using the wrong cleaning products Using the wrong cleaning products can be ineffective and damage bathroom surfaces. Harsh chemicals, such as bleach, can corrode fixtures and harm one’s health when used without proper ventilation. It is crucial to select cleaning products that are suitable for the specific surfaces in one’s bathroom, like tile, porcelain, or granite. Not allowing cleaning products to sit Rushing through a bathroom cleaning routine can lead to another common mistake: not allowing cleaning products to sit.
6 things that shouldn’t be cleaned using paper towels
home and garden

6 things that shouldn’t be cleaned using paper towels

Paper towels help clean up just about any mess, such as a spill, or absorb water on our hands, making them a handy essential. But just because something works doesn’t mean one should use paper towels to clean all surfaces. In fact, using paper towels to clean some things may make them much worse. This article lists the six common items one must never clean with a paper towel. 1. Carpets and rugs If someone spills a drink on a carpet or rug, they should avoid reaching for a paper towel. It could leave paper residue on the carpet and not thoroughly finish the job. Moreover, scrubbing the stain might make the lint settle deeper into the fiber. 2. Mirrors and windows Using paper towels on mirrors and windows leaves behind a trail of lint. Instead, one should use a microfiber cloth to get the job done. These are also reusable, which makes them value-for-money products. 3. Brick If one has to clean brick, a paper towel will shred once the individual starts scrubbing. Instead, one could use an old toothbrush to remove stains from brick, grout, or other textured surfaces. 4. Dusty moldings Since paper towels are brittle, using them to clean dusty moldings could cause them to wither away in seconds.
6 things not to clean with paper towels
home and garden

6 things not to clean with paper towels

In the realm of cleaning, paper towels have long been a trusted companion, known for their absorbent prowess and versatility. However, certain items and surfaces necessitate caution, where the use of paper towels might lead to unintended consequences. While these sheets are stalwarts in many cleaning tasks, they aren’t universally suited for every challenge. By understanding the limitations of paper towels, individuals can safeguard their belongings and achieve more effective cleaning outcomes. Electronics and screens Electronics like smartphones, tablets, and computer monitors require extra care since they come with sensitive screens. Paper towels can leave behind fibers and lint, obstructing the view and potentially scratching the surface. For these sensitive screens, it’s best to use a microfiber cloth specifically designed for electronics, which is gentle yet effective in removing smudges and fingerprints. Stainless steel appliances While stainless steel appliances provide a sleek and modern aesthetic to kitchens, they can be prone to visible scratches if cleaned with paper towels. To maintain that polished look, it’s recommended to use a soft cloth or a microfiber cloth dampened with a mixture of water and a mild detergent. This will help avoid unsightly scratches and keep the appliances looking their best. Eyeglasses Cleaning eyeglasses with paper towels can lead to micro-abrasions on the lenses, affecting clarity and potentially damaging any special coatings.
3 buying tips for polycarbonate roof sheets
home and garden

3 buying tips for polycarbonate roof sheets

Roofing sheets are installed in open areas where the sunlight casts a harsh glare, protecting the area underneath from weather elements. Polycarbonate is a lightweight but durable material, often considered a great alternative to acrylic and Pet G plastics used for mainstream installations. Today, these sheets are manufactured in different color shades and textures suitable for many different installations. Here are three beginner tips to help you make an informed decision shopping for polycarbonate sheets. Buy the right color and texture Polycarbonate sheets are manufactured in different colors to suit a specific build purpose. Depending on the type of use and installation, you must consider various textures like solid sheets, textured sheets, twin wall/multiwall sheets, and corrugated sheets. Transparent sheets allow maximum natural light penetration and protect you from UV rays but are unsuitable if you need privacy. Patterned sheets ensure decent light transmission while also maintaining occupant privacy. Opal-colored sheets reduce the heat buildup by a third of exposure and provide good shade. Bronze-colored sheets reduce glare and increase heat retention due to the tint. Black-colored sheets are entirely opaque, blocking the light and offering complete privacy. Choose the right thickness and size Roofing is a tricky job, even when done by contractors.
8 things to avoid while considering surface cleaners
home and garden

8 things to avoid while considering surface cleaners

Surface cleaners play a pivotal role in helping one maintain a clean and hygienic living environment. They help get rid of dirt, germs, and stains, leaving the home’s surfaces sparkling and safe. But, choosing the right product is not always a straightforward process. Individuals must note several factors when considering surface cleaners to ensure effectiveness and safety. Here are some of these critical aspects to help consumers make informed choices. 8 things to avoid while considering surface cleaners Harsh chemicals Avoid cleaners that contain harsh chemicals in their ingredients list, especially for everyday use. These include chemicals like bleach, ammonia, sodium hydroxide, emulsifiers like MEA, DEA, and TEA, SLS and SLES, sodium dichloroisocyanurate dihydrate, and petroleum solvents. These chemicals can harm one’s health, irritate the skin and eyes, and emit harmful fumes. One can either go for eco-friendly alternatives in the market, like white vinegar or essential oils, or make natural cleaners at home. Unlabeled surface cleaners Choose products with clear, complete ingredient lists or labels. Avoid products that don’t disclose their ingredients, as it may be difficult to assess their safety and effectiveness. Lack of safety information Check for safety information on the label, such as whether the product is safe for use around pets or children.
3 tips for choosing a foundation repair and jacking contractor
home and garden

3 tips for choosing a foundation repair and jacking contractor

Finding the right contractor for foundation repair and jacking around the house can be tough. There are hundreds of things to consider while making the choice of contractor. For one, does one have to choose reputation or price when it comes to contractors? Also, is it useful to check out a contractor’s documentation and licensing? On top of these questions, there are also aspects related to experience and online reviews to consider. Here are some such factors one must keep in mind: Know about the work experience of contractors There are no official training or education degrees for becoming a contractor specializing in foundation repair and jacking. Therefore, experience and past records are the only decent indicators of credibility in this field. Therefore, the more years and projects a contractor has had under their belt, the more likely they should be up for selection. Normally, longevity and the number of services a contractor offers is an element of trust in the community. All individuals looking for these kinds of contractors would initially check out the names of long-standing companies as opposed to inexperienced and rookie contractors. One can simply do an online search for a “foundation repair and jacking contractor near me.” Check for license and insurance Although not all states need contractors to have a license, some have made it mandatory.
4 key things to consider when choosing a garden fence
home and garden

4 key things to consider when choosing a garden fence

Choosing a garden fence sounds like the easiest thing to do. But it is more complex than what may seem on the surface. Individuals need to consider certain crucial factors while picking a garden fence. Otherwise, one may face a range of issues regarding their garden in the long term. To avoid any commonly faced issues, take a look at some key things to consider when choosing a new garden fence. Privacy and security Privacy and security are closely related, and one must select a fence to fulfill both these criteria. If an individual has their garden in a relatively quiet street with a few passers-by, then they may prefer an open and breezy style of fence, such as an arched top paling fence panel. On the other hand, if a garden is on a busy street or a zone in which traffic is excessive and passers-by more than a handful, then a traditional close board fencing panel or a strong and opaque fence is an ideal option. Ultimately, one’s prime goal should be choosing a fence that makes their garden as safe and private as possible. Durability Garden fences must be made from durable and high-grade materials only. Moreover, while selecting fencing materials, one must choose options that provide UV protection and anti-rusting features.

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6 high dividend ETF funds you can invest in
finance

6 high dividend ETF funds you can invest in

Before you search for the best dividend exchange-traded funds (ETFs), it is recommended you understand your needs and overall investment objectives. ETFs are hybrids of mutual funds and stocks. When you invest in the ETF, you purchase shares in the fund, which buys the underlying asset. Here are six of the best high-dividend ETF funds: Vanguard High Dividend Yield (VYM) This ETF adopts the simple method of choosing stocks that have higher dividend yield when compared to other companies. This has resulted in building a diversified portfolio comprising 400 stocks with higher market capitalization. The majority of these stocks belong to the healthcare, consumer, and financial sectors. During the last decade, VYM delivered average annual returns of 12.9%. The expense ratio is the lowest in the industry at 0.06% per annum. Vanguard Dividend Appreciation (VIG) The ETF focuses on investing in companies that have a long history of increasing their dividend payouts over the years. The portfolio includes approximately 180 stocks with low yields. The ETF has earned average returns of 12.6% per year over the last 10 years. The expense ratio is 0.06%, which makes it an excellent option if you do not mind lower dividend returns currently but want to earn more in the future.
Top 5 providers for automated investments
finance

Top 5 providers for automated investments

Roboadvisors are gaining popularity as these investment programs offer affordable financial advice to a large number of investors. These automated advisors use an algorithm to recommend investment options that best suit your requirements. The best automated investing algorithms offer simple account setup, portfolio management, low fees, strong goal planning, and security. Here are the top five providers of automated investments. Betterment This roboadvisor is the best for delivering top-quality services. You may sync various financial accounts without investing to gain an overall picture of your investment portfolio. You may choose the pre-built Betterment portfolios or customize one to meet your needs. The algorithm gives you the flexibility to add new goals as required while monitoring your progress without any difficulties. The advisor charges between 0.25% and 0.4% management fees with no minimum account requirement. Wealthfront It is one of the largest Robo-advisors and provides goal-based investing enabling you to understand the future effects of your financial decisions. You may choose from a wide range of portfolios that comprise individual stocks to meet your financial goals. Once your portfolio accumulates USD 25,000, Wealthfront allows you to borrow against its value. The service provider also offers margin lending. The management fee for most accounts is 0.25% and you need an account minimum of USD 500.
Top 5 retirement investment funds for your portfolio
finance

Top 5 retirement investment funds for your portfolio

Most people work for decades so that they can make investments and collect sufficient funds for their retirement years. Having enough savings for the golden years is ideally the most significant goal for you as an investor, but the volatile market may make it difficult to understand which retirement funds are suitable for you. To help you out, here are the best retirement investments that you can include in your portfolio: Vanguard Target Retirement 2035 Fund This retirement fund is created for investors who want to retire early so that they can enjoy the benefits of their investment within 15 years. However, even if you don’t want to retire that early, this fund has various offerings that make it one of the best retirement investments available in the market. As of now, this retirement fund offers a current yield of over 2%, and the expense ratio is 0.14%. Plus, Vanguard is quite a trusted name for keeping your money safe. Northern Global Tactical Asset Allocation Fund This fund offers one of the best diversifications and a lot more protection in case the fund underperforms. So, it invests in mutual funds and exchange-traded funds and aims to provide long-term capital appreciation at an expense ratio of 0.58%.
Top 5 capital providers for your business
finance

Top 5 capital providers for your business

People who wish to set up their business ventures need additional funding to get going. Many banks and financial institutions help promising businesses with the same and in this article, we would be covering guaranteed business loan providers. You can check the following list out when looking for business loan providers. Wells Fargo Wells Fargo is one of the best financial institutions when it comes to guaranteed business loan providers in the market. It offers various other financial products. It claims to be a leader when it comes to small business loans. The unsecured business loan has varied loan amounts starting from $10,000 and going up to $100,000. The term for this product is between one to five years. Additionally, you can go for other loans offered by Wells Fargo, such as the Equipment Express Loan or the Advancing Term Loan. Capital One Capital One does not only offer good deals on business credit cards, its business loan is worth considering too. If you are looking at a funding source that can help expand your business or get going with the operations, then we highly recommend you to choose the business loan offered by Capital One. Starting at a minimal amount of $10,000 and a maximum term length of 5 years, the repayment term is simple and can be done on a monthly basis.
All you need to know about home insurance policy
finance

All you need to know about home insurance policy

Buying a home comes with a lot of responsibilities. There are a lot of risks that come with owning a home like the risk of theft and property damage. Investing in the right kind of home insurance policy is important so as to be financially prepared for these risks. There are several different companies in the market that offer home insurance policies with different kinds of terms and coverages. Remember the following points before choosing a home insurance policy. Explore your options As mentioned earlier, there is a wide variety of home insurance policies available to homeowners at this time. When selecting one, it is important to consider factors like what potential risks are being covered in the policy. It is also important to consider the company’s record in your area, whether they are reliable as insurance providers, and their response time. Ask about discounts Home insurance policy in 2021 offers additional services and discounts. They may offer discounts on additional safety installment services such as installing an alarm system, smoke alarm, or better locks. There may also be certain offers for old and retired personnel as well as some discounts for policies when taken via your employer’s or organization’s reference.
5 technologies revolutionizing financial services
finance

5 technologies revolutionizing financial services

For any industry to sustain itself in today’s world, implementing digital strategies has become indispensable. This holds particularly true for the financial services industry. The good news is that digital transformation in financial services has already begun, and we’ll likely see more and more innovative technologies underpinning banking and financial institutions in the coming years. Keep reading to learn about the latest digital transformation trends in the financial services industry. Big data and artificial intelligence The combination of big data and artificial intelligence is a revolutionary digital strategy that is shaping the future of banking and financial services. The technology helps institutions process, store, and drive valuable insights from the data they gather from their customers’ activities. Big data and artificial intelligence allow institutions to create a highly personalized experience, helping businesses attract and retain customers. Blockchain Blockchain is a fairly new technology that is becoming increasingly popular in the financial services industry. With blockchain technology, all transactions are permanently stored in the blockchain network, providing the highest level of transparency and security. Nobody can tamper with these transactions, which nearly eliminates the risk of error and fraud. Besides security, the technology is being explored for use in a wide variety of banking and investment applications.