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4 mistakes to avoid while maintaining a swimming pool
Home & Garden

4 mistakes to avoid while maintaining a swimming pool

Most people with a backyard pool tend to have at least half their summer plans involving pool parties, lounging by the pool, late-night swimming, and so on. However, swimming pools can get filthy and algae-infested if not taken care of, and your friends and family will need to give any pool parties at your place a miss. To avoid that from happening, here are some costly mistakes to avoid when maintaining a swimming pool. 4 basic pool care mistakes that can prove costly Not cleaning the pool after pet use While pets are a part of the family, they also run the risk of carrying a high level of contaminants. In most cases, an average-sized dog carries three times more contaminants than humans. Furthermore, leaving pet hair or dander inside the pool can cause changes in the chemical level of the pool and even clog the filters. Hence, experts suggest treating the pool with water clarifiers after pet use. This can help break down the oils and pollutants in the water and ensure a clean pool. Not brushing the pool regularly In addition to vacuuming the pool regularly to avoid gunk and scum build-up, one must also brush it clean.
5 essential steps to install a gas line
Home & Garden

5 essential steps to install a gas line

Installing a gas line at home is a detailed process that needs to be executed correctly. Therefore, there are a couple of things that one needs to get right from the beginning to prevent any mishaps. For example, using the wrong pipe can hamper the entire process and result in an installation without functionality. So here are certain steps one can keep in mind to ensure that the quality of installation is met. Turn off the gas supply Before starting a new pipe installation, it is essential to turn off the existing supply. This needs to be done at the gas meter. Furthermore, ensure it is turned off completely by turning the valve a quarter turn. Double-check to see that the meter isn’t moving. Get the right pipes and fittings When purchasing a gas pipe, it isn’t about buying from a reputable brand but also picking the ideal size. Most domestic gas lines use 1.27 cm to 3.81 cm pipes. However, various cities have different pipeline installation materials, sizes, and specifications. Therefore, consult a standard company to where the building belongs before purchasing. Extend the existing line and make the connection The next step involves extending the existing gas line with the new fittings, including valves and pipe lengths, to ensure the pipeline reaches the new appliance.
5 home decor mistakes to avoid
Home & Garden

5 home decor mistakes to avoid

Decorating your home can be one of the most satisfying tasks to take up in your free time. You might want to spruce up the space for a special occasion or just a change. But decorating may require careful consideration to choose the right items. Missing key steps or not taking utility into consideration could lead to an unfulfilling end result. So, avoid the following home decor mistakes people usually make: Not considering available space One of the first home decor mistakes people usually make when buying any type of household item is overlooking the space in the room. Regardless of how good the item looks, you might have to send it back or resell it if it does not fit into the desired area. So, measure the area beforehand and then look for items that will work with the space you have. Inadequate lighting When decorating your home, you should find lighting solutions to create layers. So, a combination of fixtures at varying heights, such as pendant lights on the ceiling, under-cabinet lighting, and floor lamps, can create a well-illuminated space. Additionally, although lights can transform the look of any room, installing them in the wrong places could highlight undesirable features of the room.
9 tips for buying bathroom shower cleaners
Home & Garden

9 tips for buying bathroom shower cleaners

To keep the bathroom clean and free from grime and soap scum, choosing the right shower cleaner is crucial. However, with the wide variety of products available today, one needs to carefully consider its features, pricing, and other key aspects for choosing the right shower cleaner. Additionally, it is important to consider the ingredients of the cleaner to understand its performance and safety. So, here are a few tips for buying bathroom shower cleaners: Check for surface compatibility Some cleaners are formulated for specific materials like tile, glass, or fiberglass, while others are versatile enough to work on multiple surfaces. The chosen cleaner should be compatible with the shower surface to avoid any damage. Look for multi-purpose cleaners For enhanced convenience, one should opt for multi-purpose bathroom cleaners that can tackle not only soap scum but also mold, mildew, and hard water stains. Prioritize safety One should check the labels for warnings and instructions. Some cleaners contain harsh chemicals that can be harmful if not used properly. Further, if one has children or pets in the house, they must consider eco-friendly and non-toxic options. Consider the fragrance Bathroom shower cleaners come in various scents. So, one should choose a fragrance that appeals to them, as a pleasant scent can improve the cleaning experience.
8 common cleaning mistakes to steer clear of
Home & Garden

8 common cleaning mistakes to steer clear of

A clean and sanitized home not only makes the living space appealing but also reduces the chances of spreading germs or breeding diseases. The task may seem daunting, especially when one decides to tackle the entire cleaning endeavor in a single session. But if one is aware of the right cleaning techniques, it will not only make the process effective but also quick and easy. To achieve this, here are some cleaning mistakes to avoid. Not cleaning frequently Waiting until the mess becomes overwhelming can make the cleaning process more time-consuming and challenging. One should establish a cleaning schedule to prevent dirt and grime accumulation and have a consistently clean living space. Disinfecting first Cleaning clears out the dust, dirt, and debris while disinfecting eliminates germs. But applying disinfectants directly to surfaces before cleaning can diminish their effectiveness. To ensure optimal results, it is advisable to prioritize cleaning as the initial step followed by thorough disinfecting. Using incorrect cleaning products Selecting the wrong cleaning products for wrong tasks can cause subpar cleaning results and even damage. For example, using abrasive or corrosive cleaners on delicate surfaces like glass or tiles can cause irreparable harm. One is advised to follow the manufacturer’s recommended cleaning methods for optimal results.
4 common mistakes to avoid while installing a deck railing system
Home & Garden

4 common mistakes to avoid while installing a deck railing system

Deck railing systems have become popular in many homes today as manufacturers offer them in different materials, sizes, styles, and color options. Improved safety, unobstructed views, better aesthetic appeal, and increased property value are some perks of installing such railings. However, building a deck is a massive undertaking and requires learning what not to do through the installation process. Here are four common mistakes to avoid when installing a deck railing system. Not following instructions Most railing systems, especially those that come as packaged kits, have an instruction manual. The document usually explains how to measure and fasten the railings, which brackets to use, and the types of fasteners one can consider. Ignoring these instructions could lead to a poor installation and make the setup unsafe. One should always read the instruction manual and follow the instructions to ensure the job is done correctly. Using low-quality products Installing cheap deck railings can help save money. However, they may wear out sooner, costing one more in the long haul. Therefore, individuals should use high-quality materials, even if it costs a little extra. Homeowners should also research well and choose manufacturers that offer value-for-money deals to avoid overspending on a railing system.
5 air conditioner mistakes that waste energy and money
Home & Garden

5 air conditioner mistakes that waste energy and money

The summer season brings a wonderful time—setting picnics out in the sun, gorging on ice cream, visiting farmers’ markets, and having a blast. With all this, however, comes the scorching heat, which can be difficult to deal with. That’s where air conditioners (ACs) come in. When installing, maintaining, or using ACs, people make several mistakes that waste energy and money. This article explores five such mistakes, along with tips to avoid them. Blocking the air vents People mistakenly place furniture, curtains, or other items in front of the air vents, blocking them. This affects the efficiency of the AC, causing it to work harder to maintain the desired temperature in the room. For proper air circulation and optimal efficiency, ensure the air vents are free of any obstructions. Not cleaning the air filter ACs work by sucking in air. In this process, they also attract dust, dander, and allergens, which are caught by the air filters. Failing to clean these regularly may lead to clogging, forcing dust into the room, slowing down the cooling process, and damaging the air conditioning system. Installing AC units in a sunny spot Window AC units must be positioned with care. Installing AC units in a sunny spot may cause them to work harder to cool the air, reducing their efficiency.
5 window replacement mistakes to avoid
Home & Garden

5 window replacement mistakes to avoid

Most windows have a lifespan of 10 to 20 years before they begin to degenerate and lose their energy efficiency. Consequently, when replacing windows, it is essential to make wise choices for one’s home, as this will be a long-term expense. Making mistakes while making this choice can lead to frustration, delays, and additional expenses. This article enlists five common mistakes people make when replacing windows and how to avoid them. Getting the wrong size One of the biggest risks of installing ready-made replacement windows is getting the wrong size. Be sure to measure the windows and panes well. They should fit to 1/8th inch to seal and fit properly. Ignoring add-on costs When buying a replacement window, one needs to be cognizant of all the costs involved. Depending on the material of the window chosen, one may need to cover maintenance, cleaning, and painting costs in the future. Additionally, some materials may require special frames or runners. Be sure to account for these before finalizing the purchase. Overlooking security With windows, safety is a very important aspect to keep in mind. Regular glass windows can make the house vulnerable to break-ins. If this is a major cause of concern, one must opt for premium double-pane windows with unique coatings.
4 common basement renovation mistakes to avoid
Home & Garden

4 common basement renovation mistakes to avoid

Today, basements of homes and offices are used for several purposes, including parking spaces, gyms and sports clubs, libraries, game rooms, home theaters, and cafeterias. Thus, basement renovation can help utilize this space effectively. Renovating a basement is a significant decision that requires thorough planning and consideration of certain factors, including how the space should be utilized and the cost of the entire process. Here are some mistakes to avoid while renovating one’s basement: Opting for wooden flooring While wooden flooring may be ideal for other rooms, laying a wooden floor in the basement may not be the best idea. This is because the humidity levels in basements are relatively higher than those in most other areas of a home or office. Consequently, moisture develops easily in the basement, and integrating moisture with organic substances like wood can lead to mold and mildew development. Hence, it is better to opt for inorganic flooring materials like ceramic tiles in basements. Overlooking the importance of sound insulation Depending on the purpose for which a basement will be used, one may need to soundproof it to avoid external noises from penetrating the basement walls and vice versa. For instance, if the basement is to be repurposed as a conference room, external noises may be highly disturbing during meetings and conferences.
5 common mistakes to avoid when buying a home generator
Home & Garden

5 common mistakes to avoid when buying a home generator

Buying a generator for the home is a big purchase, one that shouldn’t occur very often if the right choice is made. Generators can be expensive, but mistakes made at the time of purchase can cause someone to pay even more. These five common mistakes that homeowners make when buying a generator may seem like obvious things to look for but tend to get overlooked, especially when in a hurry. Not accounting for power requirements How many hours a day will the generator be used, and which appliances will run on it? A common mistake most homeowners make when choosing a generator is not thinking about their power needs. The generator should be able to handle the load of basic household necessities, like the refrigerator, lights, heating, communication devices, and oven, in case of a power outage. Choosing based on price Cost tends to become a deciding factor when buying something as expensive as a generator. But no matter the temptation, one must not base a purchase of such a thing on price alone. Maintaining a cheap generator that keeps breaking down will be expensive. So, focus on quality and ensure the generator’s power meets all needs during an outage.

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A look at some of the best free investment advisors
finance

A look at some of the best free investment advisors

As a beginner investor, investing too much money at the start can be quite difficult and overwhelming. However, if you choose the right brokerage account, you can earn a lot back from it in terms of investment knowledge. So if you are looking for the best cost-free investment advisors to provide you with long-term portfolio management services, then you have come to the right place. Here is our collated list: Interactive Brokers Investment Brokers has an entity known as IBKR Lite, which offers commission-free trading on various commodities. It mainly covers exchange-listed stocks as well as exchange-traded funds (ETFs). It also offers low-priced access to various global markets without any account minimum or inactivity fee. Additionally, it offers the best competitive interest rates, while its client portal, which offers trading and account management services, is highly preferred by users. One of the most notable points is that IBKR Lite has been around for over 40 years, having earned the trust of a vast client base. You Invest by JP Morgan Chase You Invest Trade, offered by JP Morgan Chase, is one of the best low-cost investment advisors. It is complete with a range of commission-free ETFs and stocks that can be traded online.
Reverse mortgage eligibility and its criteria
finance

Reverse mortgage eligibility and its criteria

As you approach retirement, most of your money has been invested in your home. A reverse mortgage is an excellent way to tap into your home’s equity. If you have paid off a home loan or have only a small amount to be paid, it is a good option to meet various financial goals. Here are the criteria for reverse mortgage eligibility: Personal criteria Age You must be 62 years or older, to apply for a reverse mortgage. Generally, as you grow older the Home Equity Conversion Mortgage (HECM) amount increases. Property The home should be your primary residence, and you need to live there for the entire duration of the reverse mortgage. Rental properties and vacation homes do not qualify for such mortgages. Home equity You should be the owner of your home outright or possess a minimum of 50% home equity. There is a possibility that you may qualify for a reverse mortgage despite having some outstanding balance on your existing home loan. However, the criterion is that you must first pay off the remaining mortgage from the sanctioned amount and meet other liens. The balance funds may be used for any other purpose. Using a reverse mortgage to refinance existing debt is beneficial in reducing your monthly cash outflows.
Top 10 debt settlement companies to consider
finance

Top 10 debt settlement companies to consider

A lot of people get stuck in debt due to many reasons. The interest rates keep adding up, taking a toll on an individual’s financial stability. In such a case, debt settlement can be quite helpful if you wish to settle a large amount. Here is a list of top 10 debt settlement companies that you can consider to help ease the burden off your shoulders. National Debt Relief National Debt Relief has the most detailed insights on their website that can help you with debt settlement. It talks about the debt qualification, the amount of money you need to pay for enrolments as well as the debt relief services that they offer. The average savings after the fees is around 30%. CreditAssociates This particular company is known for helping clients with the elimination of debt. They undertake this entire process between twenty-four to thirty-six months. They use enhanced software, and the outstanding expertise of their team to help their clients with great debt negotiation services. Pacific Debt Inc This is one of the top 10 debt settlement companies that you can consider. You need to have a minimum of $10,000 in debt to avail their services. They offer an affordable monthly program/plan with payment as well as upfront fees.
6 top business credit card companies
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6 top business credit card companies

The right business credit card can help you save thousands of dollars. Business accounts can earn more rewards like discounts, hotel stays, and cashback offers. You may also use these cards to meet short-term financial requirements. In case you haven’t applied for one yet, you must check out 6 of the top business credit cards that you can apply for to make your life easier. American Express Blue Business® Plus Card This is an ideal business credit card offered by one of the leading credit card companies and does not levy any annual fees. You receive twice the Membership Reward ® points upto $50,000 with no category restrictions, which reduces to 1% thereafter. The cashback earned automatically gets credited in your statement. The regular APR on this card is 13.24% to 19.24% variable. CitiBusiness® AAdvantage® Platinum Select ® MasterCard® This is an excellent option if you undertake frequent business travel with American Airlines. You earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. Additionally, the card offers 2 AAdvantage® miles for every dollar spent on telecommunications, fuel, car rental, and cable and satellite services. All other purchases earn you one mile for every dollar spent. The annual fee is $99 (waived in the first year) and regular APR varies between 15.99% and 24.99%.
Top 6 NNN properties for sale in the country
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Top 6 NNN properties for sale in the country

NNN properties are known as triple net lease properties and can be categorized as single-tenant properties that are available for lease. In these properties, the maintenance fees, taxes, and insurance have to be paid by the lessee instead of the landlord. These costs have to be borne by the lessee in addition to the rent. Here are some of the top NNN properties for sale: 7-Eleven, Texas There are plenty of 7-Eleven properties that come under the category of NNN properties. This one is our top pick at the moment, as it serves two commodities that are always in demand: gas and foods. The property is on the 3601 West Freeway in Fort Worth, Texas, making it quite a hot spot for sale. The current annual rent for this property is $267,500, while the cap rate is 5.75%. Burger King, Florida Burger King is one of the country’s favorite fast-food chains. The current annual rent for this property is about $140,000, and the cap rate is 5.15%. This property was built quite recently as compared to the other options on our list, and it has the potential of providing good returns quickly, as it is in a strategic location on SW Port St.

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6 high dividend ETF funds you can invest in
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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
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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
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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.