5 cleaning products that professionals use
home and garden

5 cleaning products that professionals use

Cleaning the house can be challenging if one does not use the right products. Using incorrect products might do more harm than good. Moreover, if one uses a product that is chemically too strong or too abrasive for certain surfaces, they might end up causing damage to their house. To avoid these unfavorable situations, one can switch to using cleaning products used or recommended by professional cleaners. Here are five cleaning products that can ensure better results. Microfiber cloths These cloths have exceptional cleaning power, thanks to their small fibers, which can easily grab dust particles upon wiping. So, using microfiber cloths for cleaning can prove to be way more efficient and effective than using any other cloth. Moreover, they are also not abrasive like paper towels, so they can safely be used to clean wet and dry surfaces without worrying about scratches. Baking soda Baking soda is something that is helpful not only for baking but also for cleaning. It is a non-toxic compound that can be used to easily scrub off stains and grime. It can also soak up unpleasant smells, making it an effective deodorizer for carpets, upholstery, and trash cans. White vinegar White vinegar is acidic in nature, which makes it effective in cleaning grease stains and dissolving mineral deposits.
4 useful tips to prevent home title theft
home and garden

4 useful tips to prevent home title theft

It can be scary if one’s title is stolen by transferring the title without consent. This is known as home title theft and is categorized under identity theft. Home title theft, or deed theft, is done by surreptitiously stealing a homeowner’s personal and private information. Scammers usually target properties with high equity or those belonging to vulnerable groups, such as seniors. Defending oneself and preventing home title theft by following simple tips is possible. Here are a few useful tips to follow: 1. Pay attention to incoming mails Scammers often change the address on bills and other important mail to hide their crime. This change-of-address scam buys more time to make more money on the property. Therefore, one might stop receiving important mail and bills. So monitor bills received through postal mail as well as email. 2. Monitor credit reports to detect identity theft Reviewing one’s credit reports can help detect suspicious activities such as unauthorized changes to pre-existing accounts or opening new accounts by stealing identities. One can take advantage of the annual free credit report that shows the credit score across all three top credit reporting agencies. 3. C heck the status of the property deed It is recommended to check the home title deed regularly.
5 mistakes to avoid when buying furniture
home and garden

5 mistakes to avoid when buying furniture

Buying furniture, whether it is for the house or the office space, can be exciting and, at the same time, exhausting. While the right choice in furniture can transform one’s space into a haven, the wrong choices can lead to frustration and a waste of money. So, it is important to keep some things in mind when buying furniture and avoid certain common mistakes. Here are five common mistakes one should avoid when buying furniture. Neglecting measurements The first and the most important thing one must do when buying new furniture is take measurements of their space. Neglecting to take accurate measurements can be a costly mistake if the furniture one purchases does not fit. Along with the room, it is also essential to take measurements of the doorway and the passage from where the furniture will pass through to avoid any hassles later. Not considering one’s current lifestyle Another mistake individuals often make when buying new furniture is failing to consider their lifestyle and needs. Before choosing new furniture, it is essential to take into account factors like family/organization size, children, pets, and how the space will be used. Overlooking quality and durability While it is important to stick to budget when buying new furniture, it is more important to choose good-quality furniture.
6 unexpected causes of water leaks
home and garden

6 unexpected causes of water leaks

Water leaks often lead to costly repairs and potential damage to property, in addition to water wastage. While some leaks result from common causes like damaged pipes or fixtures, a few unexpected factors can contribute to leakage, catching one off guard. Regular maintenance, inspections, and vigilance can help avoid the financial and structural damage that often accompanies such leaks. Additionally, recognizing the following causes of leaks can help prevent such damages: 1. High water pressure High water pressure might seem like a good thing, but it can actually put significant stress on the plumbing system. Excessively high pressure can lead to leaks at joints and connections, as well as cause damage to fixtures and appliances. To prevent this, homeowners should consider installing a pressure regulator to regulate the water pressure and ensure it does not exceed safe levels. 2. Clogged gutters and downspouts Clogged gutters and downspouts can cause water to overflow and penetrate a home’s foundation. This, in turn, can cause basement leaks and damage to walls. So, regular gutter maintenance and cleanup can help prevent clogs. 3. Corrosion Rusting and other types of corrosion can weaken pipes and fixtures over time, leading to water leaks. Corrosion can be a result of prolonged exposure to household chemicals, varying pH levels of water, or the type of materials used.
4 ways to find hidden water leaks
home and garden

4 ways to find hidden water leaks

All homes require water as long as it flows through pipes and the drainage system. However, if there are hidden water leaks, they might result in severe damage if not repaired on time. While obvious signs such as water stains make it easy to spot the leak, it is sometimes insidious, making it challenging to find and fix. Here are 4 ways to find hidden water leaks and take remedial action in time. Check the water bill Most households get a water bill that is fairly consistent every month. According to the Environmental Protection Agency, a household of four persons will generally use 12,000 gallons per month. Exceptions are warmer weather or when lawns and gardens have to be watered regularly. However, if the water bill suddenly becomes unusually high, it may be a sign of water leakage. Even a small leak, like a faucet dripping steadily, can cause about 10,000 gallons of water to be wasted per year. Thus, monitoring the water bill is a useful practice to keep a check on water leaks. Conduct a water meter test Another effective way to find hidden water leaks is a water meter test. To do this, turn off all the faucets, showers, and water sources around the house.
7 pest control mistakes and how to avoid them
home and garden

7 pest control mistakes and how to avoid them

Effective pest control is critical to maintaining a healthy and comfortable living environment. Pests can cause a lot of damage to a home’s foundation, floors, and walls. It helps eliminate insects impacting the house’s integrity and its occupants’ health. Effective pest management is a multifaceted endeavor that requires diligence, preventative measures, and, at times, the expertise of professionals. By sidestepping these pitfalls, individuals can create a pest-free environment that promotes health, comfort, and peace of mind. Neglecting preventative measures One of the most common pitfalls in pest control is underestimating the power of prevention. Waiting until pests become a visible problem can lead to a more challenging and costly battle. Simple steps like sealing cracks, ensuring proper drainage, and maintaining a clean living space can go a long way in deterring pests from entering in the first place. Overlooking regular inspections Regular inspections are the cornerstone of effective pest control. Unfortunately, many homeowners skip this crucial step, only seeking professional help when the situation has escalated. Implementing routine checks, both indoors and outdoors, allows for early detection and intervention, minimizing the potential damage caused by pests. Improper identification of pests Misidentifying pests is a common oversight in pest control. Different pests require different approaches for effective elimination.

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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.