Monthly Archives: August 2015

3 Strategies Unscrupulous HVAC Contractors Rip Clients Off

HVAC Contractors

HVAC ContractorsYour business means everything to you, so you want to make sure the operations are smooth and uninterrupted. Since you rely greatly on your staff, make sure they stay comfortable; thus, you need to have an air conditioning system installed, and have it undergo routine inspection and maintenance, as well as prompt repairs when necessary.

According to Eastside Refrigeration Ltd, with the constant demand for such AC-related services, many shady individuals have begun popping up, claiming that they are experts in this field. Their only goal is to target unsuspecting victims and rip them off their money. Here are some of the most common strategies they may use:

  1. Charge you with rates that are far higher than normal

When HVAC contractors tell you that you need to pay this kind of price, and your first reaction is that it is too high, chances are, it really is. They may use legitimate-sounding terms, so research about them first to make sure they actually exist. Feel free to get a second opinion if you are still in doubt.

  1. Use sub-standard replacement AC parts

Some AC components are affordable; with only the major parts being costlier. If your situation calls for the latter, be sure that the contractor makes use of high quality parts. He may use a substandard material, yet charge you the same for a topnotch brand.

  1. Use scare tactics that will make you want to pay for additional services

It is also common for shady contractors to use scare tactics in the hopes of making you feel as if you really need a service that you do not. They may tell you about moulds and refrigerant poisoning, which really are hazards, but they may exaggerate stories that will scare you into paying.

To be at ease knowing you won’t fall victim to these unscrupulous contractors, choose a reliable commercial air conditioning installation expert right off the bat. Most reputable AC installers also provide quality inspection, maintenance and repair services, so it makes sense that the one you choose to set it up be responsible for providing all these whenever you need them.

Why Hire Professionals to Move Your Belongings

Professional Moving

Professional Moving Moving to a new home can be challenging because you’re leaving a house filled with good memories. You’ve already made attachments with your environment and neighbors, but there are instances when you simply have to leave. Moving isn’t all about the emotional baggage, though. You have real items to move and it can be a problem if you don’t start worrying about how you’re going to do it. Here’s a guide to help you get started:

  1. Packing Packing can be either DIY or handled by professionals. If you’re packing your items, make sure to know which should go at the bottom (or top) of the box and how you can stuff it properly to avoid damages when moving. If you have no time to pack, moving companies are willing to do it for you. Be sure that they’re reliable to avoid losing items, though.
  1. Insurance – Light Speed Recovery noted that the safety of every item during and after the move is important. As some of them are irreplaceable or have sentimental value, you can’t simply replace them with money. Insurance is beneficial to give clients peace of mind.
  1. The Right Equipment – Professionals should come with the right tools and equipment during the move. This is to speed up the process, allowing them to finish the job quickly and efficiently.
  1. Up-front Estimates – There’s no hidden cost when hiring professional movers. When they give estimates, they calculate the distance, kind of service, and what and how many items they need to move to give clients an idea.
  1. Flexible Storage Facilities – In case the move took longer than expected, most professionals have their own storage facilities where clients can leave some of their items overnight or for a short or long-term storage option.

Moving is indeed challenging, but with the help of moving companies, you can receive professional services at a lower cost. Don’t ignore this opportunity if you don’t want to damage any of your items during the move.

Funding Your Business: Look for Local Financial Institutions

business

businessSelecting the right bank for your business requires more than just opening an account at the most convenient location. You must know the reputation, services offered, and the cost of transactions before you entrust your finances to the bank.

Know Your Needs First

You must first determine what you need. Do you need investment help or just small-scale loans for your business? Do you want to entrust your funds to community-based banks or more well-known financial institutions?

If you need high investment capital to start your business, look for a bank that offers lending services. It’s important to choose a financial institution that will satisfy the demands of your business.

Some Factors to Consider in Choosing a Bank         

In selecting the right bank, consider the following:

  • Determine if emergency lending services are available. If the bank offers these, ask about the maximum amount you can borrow without checking with the company bosses. In local banks, borrowing money for start-up businesses is often allowed with discretion. Banks such as com say you should find business experts that tailor the lending program depending on your needs.
  • Know the transaction charge. Select a bank that offers lower rates because you need to reduce unnecessary expenses to earn more income. If wire transfers and cash withdrawals have expensive fees, it will be financially unwise to select this bank.
  • Select a bank that offers some perks to loyal clients. Some banks offer discounts and rebates to show appreciation for their long-time account holders. Other institutions give bonuses and free gifts for clients who have deposited a certain amount on their account. In other words, you must choose a bank that offers incentives to earn the highest profit.

Selecting a bank is one of the hurdles you will face in starting your business. However, business banking provides you financial stability to succeed in the field. Choose the right company based on your needs and preferences.

Should You Apply for a Fixed-Rate Mortgage or an Adjustable-Rate Mortgage?

mortgage in St. George

mortgage in St. GeorgeWhen planning for the financing of your first home, one of the things you need to think about is the type of mortgage you will be getting. With all the special options offered by lenders, this subject can be overwhelming to someone who is not too familiar with financial matters.

To give you a background, here are two of the common mortgage options you will encounter:

Fixed-Rate Mortgage

This fixed-rate mortgage accounts for as much as 90% of all home loans in the United States. This type of mortgage has the same interest rate for the whole term of your loan. For instance, your periodic payment will remain the same if you get a 30-year fixed-rate loan.

With this type of mortgage, you have an idea of how much you will be paying for the duration of your loan. This provides you more freedom in planning the budget for your home’s financing.

Adjustable-Rate Mortgage

The adjustable-rate mortgage (ARM), or floating-rate mortgage, is the opposite of a fixed-rate loan. Under this type, interest rates can change during the loan term. This means your payment may go up or down, depending on the current rates. Borrowers may obtain lower rates at the start of the mortgage, which, in turn, allows them to qualify for bigger loans. Some mortgage companies in St. George may offer loan terms for one, five, or seven years.

An adjustable-rate mortgage also has variations. One of the common variations is the interest-only loan. In type of arrangement, a borrower may only pay for the interest during the initial period until it reverts to the fixed type.

The right mortgage will depend on a number of factors, such as your needs, current financial condition, and even your plans for the house. Each loan type has its own benefits, so you have to be thorough with your choice.

3 Ways Swimming Pools Boost Your Home’s Value

Home Pool

Home PoolIt’s no secret that building a home pool can be expensive. Construction isn’t cheap, and your utility bills for water will sky-rocket. Factor in landscaping and a safety precaution like semi frameless pool fencing — is it really worth the hassle and expense?

Short answer: YES!

Pools are fun, but they’re also great upgrades for your home. Below, Clear-az-Glass Fencing shares some reasons you should definitely start building that home pool:

It’s like living in paradise!

When you’re out on vacation, a common element is usually a body of water. Even when you’re on a winter trip, there are hot tubs and hot springs available for recreation. Having a pool in your backyard is like coming home to a resort or hotel at the end of every day.

It boosts your property’s price!

Real estate becomes a true investment when you develop the land. A house with a pool certainly increases its value and might even improve the overall value of your neighbourhood. You might not have plans to sell your house, but it’s still great to know you can ask for premium rates because you installed a pool.

It promotes an active lifestyle outdoors!

When your fitness regimen includes activities that are fun for you to do, exercise doesn’t feel like a chore. It also encourages your kids to go out and play. They’ll be able to keep active, have fun, and get some sun. Besides, pools are certainly a lot more entertaining than treadmills!

Of course, pools bring a certain amount of risk with them. Still, homeowners need not worry. All you have to do is make sure every member of your family is taught how to swim. You may also want to take CPR classes. Putting safety precautions in place is the only way to make sure having a pool is fun and stays that way.

The Rich and Famous: Jewelry Collections of the Most Influential Women

Most Influential Women

Most Influential WomenJewelry pieces are used primarily for accessorizing, but others believe that they’re not just for style purposes, but for function as well. The refined skills of the jewelers who turned rough gemstones into exceptional ornaments cannot be denied. They’re quality investments pieces that may also serve as a symbol of the wearer’s social status.

That is why it isn’t surprising to know that many of the world’s most powerful and influential women own an impressive collection of jewelry pieces. Here are three of those women with the most enviable jewelry collection:

Queen Elizabeth II

The collection of the longest reigning British monarch is so extensive it has its own special room – one that’s as big as an ice skating rink.  Excluding the British Crown Jewels, this queen’s personal jewelry collection is estimated to be worth $57 million, consisting mostly of personal gifts. Yes, the queen has generous friends. All of these are locked safely inside the Buckingham Palace.

Diana, Princess of Wales

One of the most iconic of all the famous Diana jewels was the late princess’ engagement ring. Chosen by Diana herself, it was such a rare occasion for a royal to choose a jewelry item that anyone from the public can buy and one could see from any jeweler, Salt Lake City or otherwise. It was straight out of a catalogue! Talk about “anyone can be a princess!” This blue engagement ring is now in the finger of another style icon, the Duchess of Cambridge, Diana’s daughter-in-law.

Elizabeth Taylor

Like Queen Elizabeth II, the jewelry collection of one of the greatest screen actresses of Hollywood’s Golden Age are mostly gifts. “Liz” received the 69.42-carat Taylor-Burton Diamond in pear shape and the 33.19-carat Krupp diamond from her on-and off-husband, actor Richard Burton. He also gave her a heart-shaped yellow diamond – Shah Jahan’s gift to his wife, Mumtaz Mahal in 1621. This lady inspired one of India’s treasured wonders, the Taj Mahal.

Jewelry enhances the look of any individual, man or woman. It’s not that surprising that even the most famous celebrities around the world have pieces they treasure above all else.

Life-Changing Treatments Your Dentist Have for Missing Teeth

Dental Care

Dental CareHaving a complete set of teeth is important since our teeth play a huge role in our daily lives. We use them when we eat, smile, and speak. Unfortunately, dental problems and traumatic incidents may knock teeth out of their place and be gone forever. While you can leave it that way and just deal with its consequences like a shifted mouth and lowered self-esteem, you can also take a trip to the dentist for missing teeth treatment. There are three ways your dentist can replace your missing teeth:

Removable Dentures

Removable dentures are made of plastic material designed to imitate the look and color of your teeth and gums. They are usually molded on a metal framework for added strength. They are removable, which makes it easy for you to clean them. They use specially designed clasps that attach to teeth and keep them in place.

Fixed Bridges

Another way to replace missing teeth is using fixed bridges. Fixed bridges use plastic or porcelain teeth replacement to fill gap between teeth. When choosing this form of treatment, know that you may have to visit the dentist on two different occasions since fixed bridges are made in a dental laboratory and not in a dental clinic. In the meantime, the dentist will prepare the teeth that will support the bridges and use crowns as temporary replacement, until the permanent bridges are available.

Implants

Implants are an expensive missing teeth treatment, but they have long-term benefits. Clinics, such as DrPainless.com, note that the procedure is intensive. Using a tooth replacement with a screw-like body made of titanium, the dentist performs a surgical procedure to fill in missing teeth. Implants provide strength like that of real teeth. This option, however, is not for everyone. Patients with chronic illnesses are not ideal candidates for dental implants. You must also be ready to commit to strict oral care and regular dental visits when considering implants. Don’t let missing teeth ruin your smile or give you problems when you eat. Speak with your dentist for the right missing teeth replacement procedure.

Marketing Property to Millennials: What Exactly Do They Want?

management rights in Sydney

management rights in SydneyManagement rights owners need to be familiar with all the makings of a good tenant. Honest, respectful, friendly and pays the rent diligently — these are the traits all landlords look for, but there’s one thing lacking: millennial. Dubbed as Generation Rent, millennials make up the biggest portion in the rental market.

These people have become so used to renting that paying on time and fulfilling various tenant responsibilities have become second nature to them. This is what makes them good tenants; so if you’re not targeting these people, you are missing out.

The only way you can target and market successfully your property to millennials is by giving them what they want. Know what millennials want to see in rental properties; management rights providers from ResortBrokers.com.au enumerate these here:

Eco-Friendliness

Millennials care about the environment and green living, so make sure to provide amenities that accommodate this interest. Place recycling bins in the complex or furnish properties with energy-efficient appliances, like low-flow toilets and water-saving showerheads. It’s important to have proper insulation as well, not just to allow more energy and money savings, but also increased comfort. Discuss these improvements with property owners.

Outdoor Recreation

Beyond eco-friendliness, millennials are into fitness. If your complex is located near gyms, parks or ski resorts, trust that it will be easier to attract millennials. Highlight the property’s proximity to these areas when you market the property.

Of course, support for millennials’ active lifestyle doesn’t stop in referring them to recreation sites. Make the complex itself a fitness centre by converting a common area into a gym or a similar facility. Talk to the property owners how you can achieve this.

Everything Online

Millennials are tech-dependent — from buying clothes, ordering food, and yes, finding rental properties and paying rent, they do everything online.

Evaluate your marketing efforts and redirect most of it to digital. Offer online rent payments as well, and discuss concerns with them through SMS texts or emails. This will make it so much easier to reach the market you are trying to target.

Are you catering to the biggest portion of the rental market? Consider millennials in your marketing strategies to attract tenants that will drive up your profits.

Intoxication, ALS, and Pleading Guilty to a DWI Charge

DWI Charge

DWI ChargeDWI and DUI laws exist to uphold peace and order. Motor vehicles not driven carefully may cause the loss of properties, and even lives, of people. When driving while intoxicated or while under the influence, the body feels light and numb.

There’s also the problem with one’s core mental faculties. Driving demands complete attention and full use of one’s reflexes. With that in mind, it’s important that a person is free from any influence that will cloud judgment and affect reflexes.

Penalties

According to David A. Nachtigall, DWI is a common offense in Texas. Depending on the gravity of the violation, as well as the number of times the offender commit it, the penalties may range from warning, probation, or community service. For graver offenses, expect penalty fines, ALS or license suspension, and prison sentence if the offense resulted in injuries.

You receive light penalties for non-moving violations. In moving offenses that result in the injury of civilians, or even mere inconvenience, the penalty can be license suspension. It’s clear that DUI laws are quite strict. When changed with DWI or DUI, no matter how minor, the services of experienced DWI lawyers in Houston prove to be invaluable.

Possible Defenses

The most common defenses are the absence of an accurate substance test, mistaken identity, and the submission of an irregular or an untruthful police report. However, it’s important that these defenses have substantial proof. Any wrongful or untruthful claim may be sanctioned as perjury and may result in another criminal charge.

When a Guilty Plea is the Best Option

It’s best to secure the services and wisdom of experienced DWI lawyers in Houston before you enter any form of plea. A guilty plea is only viable when you’re a first time offender or when the charge is so light that it doesn’t require a day in court.

Remember that even light offenses appear on personal records for a period of time. Think about your plea and study the case before you appear in court.

4 Ways to Avoid and Handle Car Accidents

Car Accident

Car AccidentDealing with car damage is never easy, especially if it’s a result of an accident. Whether you were the victim or the person at fault, you need to take proper precautions to prevent the situation from worsening.

Here are some tips to remember if ever you get into a car accident:

Take Proper Precautions

First, don’t ever drive around if you know there’s something wrong with the car. If you observe certain problems or think the vehicle is making a weird sound, schedule a car check-up as soon as possible. Careful driving also involves keeping the car in the garage if its condition is in question.

Follow Safety Measures

You need to be familiar with all local safety guidelines and road signs to avoid accidents from happening. Make sure to check all components of your car, from the engine and batteries to the wheels, before driving. Follow speed limits and safety protocols, and don’t use your cell phone while driving.

Document the Scene

If and when a car accident caught up on you, you must document the incident. This is to make sure the other party doesn’t turn around the story and blame it all on you. Use your phone’s camera to take pictures and record videos, especially if the other person starts yelling and becomes violent.

Deal with the Damage

To get rid of the dents caused by the accident, look for a company, such as NovaSmashRepairs.com.au, that offers dent removal. It’s better if you have car insurance, as it may cover the necessary repairs. If the damage is bigger than this, you may need to hire a lawyer to defend your rights.

Driving with precaution is important to prevent car accidents and putting your life at risk. Keep these tips in mind, so you’ll know what to do if ever you encounter one.