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Around the Home Tips

Around the Home Tips

100 Extreme Couponing Tips

100 Extreme Couponing Tips

Extreme Couponing Tips

 

100 Extreme Couponing Tips – Clipping coupons may seem dated, but saving money is a current activity. Coupons can save individuals money on everything from groceries to clothing. Coupons always allow you lower prices. Coupons can allow you quite a bit of money on both the necessary and nonessential items you buy every day. Clipping coupons may seem dated, but saving money is a current activity. Coupons still save individuals money on the items you buy all the time. Using coupons will help you save a better price. The following contains some great tips that follow will help you learn the best ways to save money with coupons.

 

Extreme Savings: The #1 Guide To Getting Anything You Want For Free with Extreme Couponing 101 Secrets, Proven Ways To Save Money, and Financial Fitness Blueprint

 

100 Extreme Couponing Tips

1) Set aside one day of the week to exclusively search for coupon activities. This will help things run more efficient.

2) You can often increase your savings by going to a few stores instead of visiting numerous places.

3) If there is a product you want and it will be on sale, try a coupon clipping company to get more coupons for the item. You can find clipping services advertised on many coupon websites, and this can spare you the expense of newspapers.

4) Spend enough time clipping and printing coupons. Schedule a time when you can do some serious about the endeavor. Allot at least 30 minutes per day to finding and clipping coupons.

5) Dollar stores often offer great source of savings. You can often find brands that match your coupons within there. These lower end stores usually have overstocked items to offset the costs of the products. This results in huge savings because you will save from the discounted price.

6) If you are desperate for coupons, “dumpster diving” for coupons is a good idea. You would be surprised at how many people that throw coupons away.

7)Extreme Couponing Tips –  Do not let couponing use up too much time cutting out and researching coupons. It can take up a whole lot of time clipping and clip coupons. Take some time a estimate how much you save each hour, and decide whether your time is truly worth that sum of money.

8) Only clip coupons for items that your family uses. This will help keep your grocery budget on unneeded products simply because you found a coupon. Buying unnecessary items is among the big reason why many people stop couponing. This strategy also assist with keeping your coupons in a neat and tidy order.

9) Think about making bulk items. Use multiple coupons on vital items when you are using this strategy. Most of the coupons have an expiration date. The products you buy are often going to last longer in your pantry than the coupon would be good for. Use duplicate coupons when you have them. You are going to save money in the long-term.

10) Keep in mind that coupons you receive at checkout register usually cannot be doubled.

11) There are a lot of sites online that let you print coupons. You can print a lot on one page and then cut out. These coupons can be used just as valid as any other print coupon you get from a magazine or newspaper.

12) You do not have to be shy when you use coupons. Many people are looking at all sorts of ways to stretch their money. You do not need to feel embarrassed by your money to use for other things you need.

13) Find stores that offers double your coupons. This is really beneficial for expensive items that only offer small coupons.

14) Rather than spending lots of money on papers, ask your local stores if you could possibly get un-sold copies. Many stores throw away leftover papers, and any coupon inserts are wasted. It is well worth the effort to pick up the extras and make use the coupons.

15) Try not to use coupons that you typically do not want. Don’t buy an item you don’t use just because it’s on sale. A lot of people believe that they are always using coupons automatically means saving money. However, if it’s an item that you don’t need or use, your money is just being wasted.

16) If you are seeking prescription drug coupons, surf the websites of their manufacturers. These manufacturers usually understand that medication costs are high, and they want your business by giving you a savings. If they’re not offering coupons at the time, they may have loyalty programs that will give discounts for customers who purchase monthly.

17) You will need to have the coupon on hand if you to use them.

18) Consider listing your home address for an even greater advantage in couponing! You may end up getting some spam, the savings garnered from exclusive coupons will make it worthwhile. Fill out surveys and watch for those amazing coupons to start arriving in your mailbox.

19) Brand loyalty can cost you a lot, so think about stepping out of your comfort zone every now and then.

 

3-Ring Coupon Organizer Binder – Polka Dots

3-Ring Coupon Organizer Binder - Polka Dots

Binding Office Product
Brand Ultra Pro
Color Polka Dots
EAN 0074427583071
Label Ultra PRO International
List Price $19.99
Manufacturer Ultra PRO International
Model 58307
MPN 58307
Package Quantity 1
Part Number 58307
Product Group Office Product
Product Type Name OFFICE_PRODUCTS
Publisher Ultra PRO International
Size 10 ⅞" x 11 ⅝" x 2"
Studio Ultra PRO International
Title 3-Ring Coupon Organizer Binder - Polka Dots
UPC 074427583071

20) Ask your friends for things you may need. You can also trade coupons you may not need for ones that will really be helpful to you. You can exchange coupons with a group of friends together every month for a coupon swap. It’s also a great way to get everyone together too!

21) Remember that coupons on many more items or groceries. Many different types of stores offer coupons that can help you save money. They can generally be found within their websites. Look over all your coupon resources prior to shopping for anything to save more money on the things you really want.

22) Buying in bulk quantities can help you to save a lot of money when using coupons. People that do well at using coupons regularly are the people that purchase things to use in the future. They save them in order to buy items while thinking about saving as much as possible. You must be focused and patient to do this, but you will see the savings add up.

23) Understand how much space limitations prior to using your coupons to make bulk items will need before you purchase them. Although it may seem exciting to get that amazing deal, if you do not have storage space at home, storing your items at home is difficult. This can be a big problem with perishable items.

24) Learn the policies of the stores where you frequent.

25) Coupons are available from a number of places. The Sunday newspaper being a great place to snag some really good coupons in them. You can find them in flyers and all kinds of magazines. You can even find lots of online sites that will let you customize your coupon preferences.

26) Use coupons when things are on sale. This sometimes means keeping coupons for a while rather than use on another shopping trip.

27) Shop at stores that predominantly use coupons to minimize your shopping trips. When you find a store that accepts competitor coupons and also doubles coupons, this is truly the best place to shop.

28) You do not have to use coupons as soon as you obtain them.

29) The Internet is a source for coupons. You can find great coupons for just about anything online. The greatest thing about online couponing is that you can avoid hours of clipping! Just print them out and go.

30) If you know that something you want is going on sale soon, it is possible to realize greater savings by utilizing a coupon service to get multiple copies. You can find clipping services advertised on many coupon websites, and this can spare you the expense of newspapers.

31) Pair coupons with your grocery store’s sales. This will give you the most bang for your coupons. Most coupons are good for at least 3 months, so you have some time to wait and see if the product goes on sale. You can save an insane amount of money when you stack coupons with in store sales.

32) If you need coupons, don’t fear “dumpster diving.” You may be shocked at how many people simply toss their coupons wind up in the trash.

33) Try to accumulate coupons just for things that you will utilize. This allows you from overspending on unneeded products simply because you do not need. Buying items that you do not need is what some people stop using coupons. This strategy will also help keep all of your coupons neatly collected and tidy order.

34) For example, ‘BOGO’ stands for ‘buy 1, you can get one free. Or that ‘MIR’ refers to a mail in rebate”? Acronyms are very popular in the coupon collecting. You may miss opportunities if you do not use them properly by following what the acronym well.

35) There are a lot of sites online that let you print coupons. You can print multiples per sheet and them cut them out. These online coupons are just as valid as any other print coupon you might find.

36) You do not have to be shy when you use coupons. People are trying many methods for making their money last. You do not need to feel embarrassed by your money to use for other things you need.

37) A lot of stores adjust policies about coupons if too many folks do that, and savings can go down as a result.

38) Don’t throw old coupons that have expired. You might be surprised to know that some stores will gladly take them.

39) Rather than spending big on extra newspapers, see if stores in your local area will give you their unsold Sunday papers on Monday. Many stores throw away leftover papers, and that means good coupons going to waste. It is worth the effort to pick up the extras and make use of the coupons yourself.

40) Talk to friends and family to help with your coupon gathering. Ask anyone who doesn’t use their Sunday coupon inserts to save them for you to use. You can get free coupons by doing this. You can thank them with some cookies or an item from time to time too.

41) Learn to create your shopping list according to coupons you money. This kind of stockpiling can save you financially.

42) Try to collect more than just one of each coupon as you can. When something you need goes on sale, use how ever many coupons you have and buy that many of the sale item. For instance, when there is a sale on peanut butter and you are in possession of four coupons, buy four jars. You will always have a ready supply of cereal at less than full price.

43) Find the website for your favorite companies so you really enjoy. Consider manufacturers that make items you purchase regularly. You can often get access to exclusive coupons you won’t find even more coupon savings by registering with them and providing your email address directly to manufacturers. They will reward you with some great deals.

44) Brand loyalty can be expensive, so consider stepping outside your comfort level from time to time this is a valuable Extreme Couponing Tip.

45) Ask your friends for things you may need. You can also trade off coupons that you don’t use for coupons that are valuable to you. You can get a group of friends together every month for a circle of savings. It’s also a great way to get everyone together too!

46) Remember that there are coupons for more than groceries and groceries. Many different types of retailers offer coupons that can help you save money. You can usually find them right on a store’s website. Look before every shopping trip to save more money than usual.

47) Plan out the meals and snacks based on items you shall make with your couponed items. This will ensure you save lots of money on groceries.

48) When using a coupon for a product, make sure you are receiving the best deal. Don’t always believe that your coupon will have you saving the most savings available.

49) Bring all your coupons when you go to the store even if you don’t plan to use it.

50) If something for which you have a coupon is about to be discounted, then you could save even more money by making use of coupon-clipping services for ordering numerous copies of the coupon. You can find clipping services advertised on many coupon websites, and this can spare you the expense of newspapers.

51) Pair up your coupons with the items that are on sale in your grocery store. This will get you in maximizing your savings. Most coupons don’t expire for a month or so, so save your coupons until the next sale. Coupons that are combined with sales can really save you up to 90% on your grocery bill.

52) Dollar stores often can help you save a great source of savings. A lot of the time a dollar store. These are usually products that are overstocked products. This will be to your advantage because you can pair coupons with discounted price.

53) Clip out coupons for the items you will purchase frequently. This will prevent you from overspending on items that you do not need. Buying unnecessary items is among the reasons many people stop using coupons altogether for. This can also assist with keeping your coupons neatly collected and ordered.

54) Be sure you’ve got the coupon that gives you the best coupon.

55) Buy in bulk when you can. Use your coupons on items when you are using this strategy. Most coupons available have an expiration date. The things you purchase will often have a much longer shelf life. Use duplicate coupons you have them. You’ll save a lot of money.

56) Never feel embarrassed to pull out your coupons. If you are well-prepared it shouldn’t take long anyways.

57) Ask family and friends to save inserts from magazine subscriptions and weekend papers. This will allow you a better chance of acquiring the best set of coupons for saving money.

58) A helpful tip for couponers is to always keep coupons where they cannot easily be forgotten.

59) Look for a deal websites or blogs. This is useful if you time instead of coupons and do not know how to use them.

60) You should not have to be embarrassed to use coupons. Many people are looking at all sorts of ways to stretch their money. You do not need to feel any shame when you’re intelligent enough to save money saving efforts.

61) Write down your grocery list of groceries before going online to search for those particular items. Most of your purchases will likely have coupons available for them, but if not, you can change up your plans to optimize your savings.

62) Try to shop with stores that will double your coupons. Many items only come out with higher price tags–think paper products or cleaning solutions.

63) Try to open up some storage space at home for better couponing! If something has been deeply discounted, you don’t want to be held back by a messy pantry or overflowing kitchen cabinets! Keep your space organized so you can increase your savings by making larger purchases.

64) Don’t throw away your coupons that have expired. You may happily discover the store will gladly take them.

65) Try to shop at stores that double coupon days. Getting items free is always a great deal! You also try new things you might not have otherwise done!

66) Don’t bring in coupons to buy things you will never use. Don’t buy something simply because you can get it at a bargain price. A lot of people believe that using coupons. If you are not going to use it, you are simply wasting your money.

67) Make a bookmark folder on your bookmarks just for coupon websites that you regularly use. Look at these websites every day to check for alerts. This makes it especially easy to keep you from having to miss a fantastic deal that you’ll regret missing.

68) Brand loyalty can cost you a lot, so think about stepping out of your comfort zone every now and then.

69) Take count size into consideration when deciding which size is more cost-effective. You might hold a coupon for a certain amount off toilet paper. Divide the quantity in a package by the price to get the unit price. Then consider which size will net you the most savings.

70) Before deciding on a restaurant, compare coupons for similar restaurants. A set number of dollars off may not even compensate for your beverages.

71) Even if your entire shopping trip was already planned out, still bring your coupon binder with you. There may be discounts available for items that you add to the list based on purchasing.

72) Cut out all of the coupons you stumble across. This may seem like a waste of time, but you’ll be taking advantage of every deal. The coupons will be very useful for any unexpected purchases you have to make. You can also be able to trade with someone who has one you want more.

73) Never purchase an item exclusively because you found a coupon. It’s simple for people to spend more when shopping with coupons because they buy items they don’t actually need. Only use coupons on products that were on your shopping list to begin with.

74) When purchasing an item, first make sure you are getting the most for your dollar. Don’t always believe that a coupon will have you saving the most savings available.

75) Use coupons when the items go on sale. This may mean hanging onto coupons for a few weeks to use on another shopping trip.

 

100 Extreme Couponing Tips

 

76) Shop at local stores that predominantly use coupons to help maximize your savings. When you find that store that lets you use competitor coupons and double coupons, this is truly the best place to shop.

77) Always make a list when you’re at the grocery store shopping with coupons. You should also write the amount of every item you want.

78) The Internet is a better resource for coupons than the old-fashioned Sunday newspaper. You can find coupons for everything from food to clothing. The best part is that you can avoid hours clipping these coupons; simply print and voila!

79) They may have a deal if you can take advantage of.

80) Many people turn to dumpster diving when they are hungry for more coupons, and it has become quite acceptable to do that these days. You will find that many coupons end up in the trash.

81) Don’t allow couponing to use up all your time collecting coupons. Looking over circulars and clipping coupons can take up a lot of time. Take some time a estimate how much you save each hour, and decide whether your time is truly worth that sum of money.

82) Keep in mind that coupons you get at checkout are not be doubled.

83) Although this may work out well for lots of people, other coupon-organizing options include laying out coupons according to the aisles in the grocery store you shop at or organizing coupons according to expiration date. Use whatever organizational method that works best for you.

84) Do not rely on only the newspaper for your newspaper. Coupons come in many locations thanks to advancements in today’s digital age. There are plenty of websites that provide coupon resources online.

85) Write out a grocery list of groceries before you hunt online to search for those particular items. You will probably find matching coupons for most of your intended purchases on the spot, or you can make some modifications to your list so you have a coupon for everything.

86) Make room in your home so you can get the most from couponing. If something has been deeply discounted, make sure you can properly store and organize those items.

87) You will need to be diligent if you’d like to make the most of couponing. Try clipping your coupons every day to make room for a while or you could do it during lunch. Work with whatever kind of schedule that you have.

88) If you want to save money on prescription medications, try looking at manufacturer websites. These manufacturers usually understand that medication costs are high, and they want your business by giving you a savings. If they don’t offer coupons, they might offer loyalty programs that provide discounts to those people that buy every month.

89) Try to get as many copies of each available coupon. When you have multiple coupons for an item that is on sale, use the number of coupons you have to go ahead and purchase in bulk. For instance, if you have saved four coupons for peanut butter, and it is on sale, buy four of them. This will keep you do not have to purchase again until you have more coupons.

90) Watch how your cashier during checkout time to ensure that all the coupons carefully. You need to be sure that all your coupons are being credited so you receive credit for each one.

91) Be selective about the coupon that you select. Getting things free of charge is definitely fun, but you never want to put yourself in the situation where you are using coupons on an item that you most likely would never buy. Keep a shopping list of what you want prior to viewing the coupons. This will allow you to be a little less tempted to spend on things you don’t need.

92) You can sign up to get coupons if you supply a retailer with your home address. You may have tons of junk mail to dispose of, but think of the valuable coupons that you will be getting that can save you a lot of money. Fill out surveys and consumer information cards to get a mailbox full of great coupons.

93) Brand loyalty can be expensive, so consider stepping outside your comfort level from time to time.

94) Ask your friends for things you may need. You can trade coupons with each other in order to save money. You can get a group of friends to create a circle of savings. It’s also an excellent excuse for getting all your buddies together as well!

95) Understand your space limitations prior to using your coupons to make bulk items will need before you purchase them. Although you may be thrilled to get that great coupon deal, if your storage space is not sufficient, you have wasted money. This is especially problematic with perishable items as well.

96) Don’t purchase an item because you possess a coupon. It’s very easy for people to actually spend more when shopping with coupons because they end up buying items they don’t actually need. Just use coupons on items you had been really thinking about buying anyway to prevent investing unnecessary money.

97) Coupons are available in a wide variety of sources. The Sunday paper usually contains many coupons each week. You can find coupons in magazines and in stores. You can even find lots of online sites that will let you customize your coupon preferences.

98) Always create a list when you’re at the grocery store with coupons. You should also write down the number of each specific item you want.

99) The Internet is a source for coupons. You can find great coupons for everything from food to clothing. You don’t even need to clip them; just print them in the comfort of your own home.

100) Set aside one day each week for coupon activities. This makes things efficient method for finding time to put your coupon collection together.

 Extreme Savings: The #1 Guide To Getting Anything You Want For Free with Extreme Couponing 101 Secrets, Proven Ways To Save Money, and Financial Fitness Blueprint

100 Extreme Couponing Tips

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Posted by admin - April 29, 2014 at 5:02 am

Categories: Around the Home Tips   Tags: , , , , , , , , ,

Tips On How To Manage Your Back Discomfort

Manage Back Discomfort

Manage Back Discomfort

 

Most of the time, there really isn’t much he can do other than prescribing medication and telling them not to overdo it. The following article below contains many tips to help you with back discomfort.

Sleep on an appropriate mattress. Many doctors and back pain sufferers agree that an overly soft mattress is not beneficial for backs. A firmer mattress is probably better for alleviating back pain, but too firm can also cause problems. It may be necessary for you to trek around to a number of mattress stores and sample their wares before you find the mattress of your dreams.

TIP! Laziness and rushing often lead to lifting heavy items out of your healthy reach that you shouldn’t. This shortcut could have a high toll on your back pains.

Lay down and lift your knees at a 90 degree angle to your hips. This position will decrease the stress that is on your back more than most other sitting positions. Having said this, as long as your spine isn’t twisted, the position that you believe is the most comfortable one is probably the most effective one for you.

Good posture when sitting or standing will prevent a lot of back pains. Many people wrongly assume that back injuries are only caused by strenuous activity.

Muscle spasms must be calmed to help with back pain. You can do this by laying down and putting heat on your tense muscles. You should also drink plenty of fluids and keep your sodium intake to a minimum until your pain subsides. If you are dehydrated, it can actually make your muscle spasms worse.

TIP! Carrying around as few as 10 extra pounds is not a good idea. Extra weight will shift your body’s center of gravity and put stress on your muscles and tendons.

A healthy diet can heal many ills and prevent many health problems. Not only can it help you stay thin, but dehydration can cause real problems with muscle cramping and other issues, but it also releases other nutrients and chemicals that reduce your risk of making the pain worse.

Breast Reductions

Alexaderm Breast Reduction & Contouring Cream

It is unfortunately sometimes recommended to undergo back surgery to ease back pain and suffering. Surgery should be considered as a last resort, only when all other options have failed. It is also the best option for certain injuries that sometimes cause back pain.

Breast reductions are less frequent than breast reductions. Women who undergo breast implants often discover this quickly.

Stressing about back pain is only serve to worsen it. You need to learn how to properly relax so you do not increase your chances of developing muscle spasm.

Cutting out caffeine from your life is a successful tactic in dealing with back pain. Believe it or not, caffeine has been known to assist in triggering spasms and it can also cause muscles to become inflamed if you have any type of muscle damage. Cutting back on sodas, coffee and tea will curb your caffeine consumption and relieve your back pain.

TIP! For individuals looking for aid in curing their ailing backs, it is necessary that should stop smoking. Smoking can be a cause for spinal disc degeneration, and reduced blood flow.

Certain conditions where paralysis results can be remedied by some forms of surgery, depending on the case and the severity of your condition. There are also other back conditions that can only be fixed with surgery.

Make sure that you are sitting up straight. Not doing so will put strain your spinal cord and back. If you need to sit down for long periods due to work or other obligations, or especially any other activity that retains your attention to the extent that you become less mindful of posture, supportive chair. Sitting on an exercise balls can help you improve your posture and keep your back strong.

Reduce the stress on your spine by relaxing. Even learning proper breathing techniques can help to relieve some of your back pain. Find out more about these methods and try using anything that usually makes you feel relaxed. They could prove to be a great relief from your back pain.

TIP! Seek help if you are having back pain, it is the best thing you can do. You shouldn’t be ashamed in having someone help you lift and clean around your house.

One way you can help alleviate your back pain is by limiting or omitting drinks containing caffeine out of your diet. Caffeine has a hand in spasms and inflame damaged muscles. Try to consume less coffee and tea to help with back pain.

Your chiropractor may take diagnostic tests to find out the best course of action for your back problem.

When sitting in your office chair, ensure that it provides enough support for your lower back. Insufficient lumbar support can be the source for a lot of back pain. A pillow that is placed between the lower back and the base of the chair will provide additional support.

TIP! Use the right shoes to protect your back from pain. Shoes that don’t fit right will alter your posture, resulting in possible pain in your back.

Common back spasm triggers are caffeine, dehydration, lack of sleep, dehydration, poor sleep and low sodium levels. If back spasms are nevertheless initiated, treat them immediately with direct heat, and avoid straining your back to prevent the problem from getting worse.

Smoking can be a cause of back discomfort for some people. Smoking can cause degeneration of spinal discs by reducing blood flow.

Add more vitamins to your diet, starting with vitamin B12. A B12 deficiency has been shown to cause back pain for some people. Vegetables have lots of B12, so if you eat a lot of them, you will be less likely to have back pain. Check your vitamins level with your doctor and take supplements if you need to.

TIP! Try taking a yoga class if you are having back pain. Yoga is a therapeutic and relaxing activity.

Seek some help to try to manage the back pain you are feeling. You don’t have to feel embarrassed if you need to ask somebody to assist you with cleaning around the house. You do not want to worsen your injury especially when you do not have to.

It is important to have proper lower back gets the support it needs when sitting in a chair at the office. If the chair doesn’t properly support the lumbar region, you are almost guaranteed to have back pain. Try placing a pillow behind this region for better support.

Walking is an excellent way to develop core muscles that assist in relieving chronic back pain over time. The full-body demands of walking are very beneficial for your back.

TIP! Visiting your doctor to ask him about your back pain is a very good idea; however, you need to have an idea of the kinds of questions you’re going to ask. For example, inquire about the underlying cause for the pain, preventive measures, available treatments and associated risks.

Take time for a massage. Touch therapy is one of the most common and least invasive forms of back pain. A massage can help to loosen your back’s tight muscles and help create a feeling that can ultimately give them relief from their back discomfort. Getting a massage once per week could help you control your back pains under control.

Keep a close eye on your posture! By keeping in touch with the way you carry yourself, you can significantly reduce back pain. Poor posture results in back strain and pain, so monitoring your posture can be very effective at reducing your pain. Give yourself little reward incentives for good posture.

Avoid smoking. In addition to the myriad of other health problems smoking causes and makes worse, smoking can increase back pain. If you quit smoking, it will really help your back.

Comfortable Chair

Serta 44103 AIR Health & Wellness Eco-friendly Bonded Leather Mid-Back Office Chair – Smooth Black

Back pain sufferers should have a comfortable chair to sit in when you are at work. Sitting compresses the discs in your discs. A good comfortable chair can relax in is so important. Choose one that gives maximum support to keep pressure off the lumbar or lower back area.Arm rests also help you sit in a correct way.

Apportion carried weight evenly. Things that have to be carried on a regular basis, such as schoolbooks or handbags, should be carried in a way that allows you to carry this weight over a larger surface area.

You have read about how common back pain is, and sometimes it’s about finding what is causing you pain instead of jumping to the doctor right away. Take the advice that this article has given you, and make sure you are always taking good care of your back every day.

 

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Posted by 100Tipper - February 27, 2014 at 4:54 am

Categories: Around the Home Tips   Tags: , , , , , , , , , , ,

Basic Cooking Tips That Are Simple And Easy To Follow

Basic Cooking Tips

Americas Secret Recipes2

You need to develop your skills though. No matter what your reason is for deciding to cook, it is always good to know how. The tips will ensure that you on your way to creating delicious meals.

Before attempting to prepare food with skewers, take a few things to heart. When using metal skewers, square or twisted skewers hold food better than the round skewers.

TIP! You want to make certain you have the prep work done ahead of time. Having your preparation done ahead of time is very important.

Keep herbs and spices in a dark space that stays room temperature. If light, humidity or heat, or light they may lose their flavor. Ground herbs and spices can retain their flavor for about a year. Spices that are not ground can retain their flavors for between three and five years. Storing spices properly can help you achieve a longer shelf-life for your spices.

Basic Cooking Tips

If you are looking for new ideas for meals to prepare for yourself or your family two great places to look are the library and the internet, take a trip to a local library or bookstore where you can find many cookbooks with recipes you can enjoy making at home. Try some recipes until you come up with something that works for you.

In order to get the most out of your selection of spices, you should store them out of the light and heat. Exposing spices to heat, humidity, and light will shorten their lifespan. Keeping your spices in darkened, cool areas will lend extra longevity and flavor. Better tasting meals are the result of the ingredients you use, including the freshest spices possible.

If you want crispier and crunchier French fries, then you should soak the potatoes in cool water for 30 minutes and then fry them.

Mashed Potatoes

Boiling and other lengthy cooking processes remove some of the vital nutrients contained in vegetables. The healthier way to prepare vegetables is by cooking them quickly, such as steaming or sauteing them; the most nutritious way of all is by serving them raw.

TIP! People mainly use plenty of apples in cooking during the winter and fall months, but if not stored properly they quickly go bad. Keep your apples in a cool and humid place and avoid dry hot areas.

Try putting some cauliflower in with your mashed potatoes to lower the fat content.The taste of cauliflower will blend nicely with your potatoes while picking up the other ingredients. Cauliflower has the same texture and color as mashed potatoes, while lowering calories from classic mashed potatoes.

Use fresh ingredients whenever possible, as they bring out the best flavor of the dish, and they may cost less over the long run.

Do you enjoy the flavor of fresh basil? If you want to keep it fresh, first place it in a glass. Next, put water on the stems until they are covered. Keep it on the kitchen counter and it will stay fresh for weeks. If the water is changed periodically, the basil may even sprout roots. Trim or cut the basil periodically to provide for added growth so you can partake in some fresh basil for a while!

Add chicken broth to vegetables when cooking vegetables. Chicken broth adds flavor to your vegetables while keeping them from sticking to your pan.

Basic Cooking Tips

This will prevent them avoid burning while you are cooking. Use two parallel skewers as opposed to a single skewer to avoid food intact.

When you are using wooden skewers in cooking, soak them for at least half an hour before putting the veggies on them. If you do this, the skewers won’t burn on the grill. You can keep your food on the skewers if you use two sticks parallel instead of just one.

TIP! Tofu and beans are excellent sources of protein. They can be bought at pretty much any grocery store.

Always get the freshest garlic available if you have a recipe that calls for it. A good rule of thumb for garlic: Fresher means sweeter.Fresh garlic is firm skin and lacks bruises.

Don’t use any wine into your food. There are wines available that are used just for cooking.

If you love using herbs and spices, make sure to keep them stored someplace that is dark and cool to maintain their freshness and flavor. If the spices are stored in cabinets by the stove or near other warmer places, this could result in their flavor loss and a money loss for you.

Dried Tomatoes

Try drying your own dried tomatoes. You can use Roma tomatoes cut lengthwise, or Romas in half. Dried tomatoes may also be put in a jar with fresh herbs and olive oil. The jars can be stored in your refrigerator for up to 2 weeks.

Use a generous amount of salt in your pasta water when making pasta. Adding salt to the water prior to cooking ensures the pasta is infused with flavor. Pasta salted during cooking tastes better than pasta salted after the fact.

TIP! The act of tying a turkey with a string is called trussing. This helps keep the bird’s legs and wings close to his body, helping it cook more consistently.

Place unripened fruits in a plastic bag that is perforated right after you have poked small holes into. If you put them in the bag with holds the air will go through the bag, the air can circulate and assure that the gas is retained, helping the fruits retain their wonderful taste.

Always begin your utensils very well before you use them. Any residual food matter missed during washing can spoil the dish you plan on cooking next. This can allow harmful bacteria.

Avoid overcooking or undercooking a cake. Many factors can affect the cooking times for cakes. There are guidelines that come on many cake mixes that can be helpful but do not take into account the things that could impact the cooking time. To determine if your cake is done, use a toothpick or clean knife blade to find out. Poke it gently into the center of the cake. If the toothpick has no batter on it, then the cake has finished baking. If it does have batter on it, then put the cake back in the oven.

You should establish a habit of washing the dishes as they are used.

Be creative with your cooking.You don’t always have to follow a recipe exactly. That is a creative cook!

Use some of your spices after you cook. Some great seasonings to use are pepper, garlic powder, cayenne, and salt. Most people only like certain spices. Do not spice the meal until after its cooked so that your guests can customize the taste of the meal. Each person can then have his or her own customized meal.

TIP! If you are preparing a meal for a large family gathering, chances are good that you are probably more than a little stressed-out by the idea. Give yourself a head start by doing as much as possible beforehand.

This way, you will not waste gas when you are cooking, and you also provide a certain amount of safety when working with hot oil on a pan or other potential dangers when distracted.

When planning to barbecue, make sure that you prepare your grill beforehand so it is ready when you are. The grill should be prepared 30 minutes before your coals are hot enough to start grilling.The coals need to be around medium heat should be moderate and the charcoal should be a little ashy. This is the best temperature to begin grilling your food.

Dark, leafy vegetables are a healthy addition to any diet, but cooking them can sometimes be difficult. The most difficult part of preparation is removing tough stems. To make it easier try folding it in half and then break the stem. Another way is to cut out the stem from the folded leaf with a knife. The unfolded leaf will be intact but stem-free.

Fresh Herbs

Fresh herbs and different types of natural seasonings can help spice up even the simplest dish. Dried herbs and spices can work beautifully in complex dishes. Fresh herbs produce a stronger flavor and can improve the taste of any dish.

Start out with fat-free stock in order to make a low-fat soup or stew. Take advantage of the vast array of colorful, tasty vegetables and lean meats to keep fat content low. Let the soup rest in the refrigerator for a spell once it is fully cooked; you want it quite chilled. Excess fat will rise to the top and congeal. Simply discard the hardened fat and the soup is done. For each tablespoonful of fat that you discard, you will spare yourself as much as 100 calories.

TIP! Purchasing meat and fish with the bones intact can be very beneficial. You can store the bones in the freezer packed inside plastic bags.

Learn a little bit about any new foods that you haven’t worked with before.You may find that your research leads to many great new ways to use the possibilities you will learn about for food.

Now, are you ready to practice what was discussed in this article? By using the tips from the above article, you have all the tools necessary to start cooking amazing food! Your family will enjoy the delicious home cooked meals that you will be serving. Cooking good food does require skill and effort. The effort requires just makes the result all the more worth it.

Incorporate winter greens into your cold-weather cooking. Following the year’s first frost, you will discover that collards, broccoli and kale become sweeter to the taste. When you are picking your greens, chose ones that have a bright, strong color and stay away from those that appear limp or yellow. When washing greens it is important to be careful. There is often dirt on them and you need to wash the dirt off thoroughly before cooking them. Allow them to sit in a bowl of cool water for a few minutes before removing and rinsing them and pat dry with a paper towel.

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Basic Cooking Tips That Are Simple And Easy To Follow

Basic Cooking Tips That Are Simple And Easy To Follow

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Posted by 100Tipper - February 25, 2014 at 2:59 am

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What You Must Know About Cell Phones

 

Everything You Need To Know About Cell Phones

 

Do you have a fish out of water when it comes to cell phone expert? The vast majority of folks do not. It is impossible to know about cell phones. This article offers some advice you can use for your own phone. You might be surprised by some of the things you find out!

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It is important that you reset your phone once in awhile to ensure that memory from programs such as Facebook and Twitter is cleared from storage. That way, your phone will exhibit much better performance.

TIP! If you must call information via a cell phone, note that you can call without big fees. Just call 1-800-411-FREE instead.

Be certain to power off your cellphone here and there to dispose of stored memory from social media apps. This will make your phone to perform better if you do it regularly.

Don’t throw away your phone if you drop it in liquid. Remove your phone’s battery and put the phone into a bowl filled with rice. This will allow moisture inside.

Know that your smartphone will slow down as it gets older. It is true that downloading updates to the software can help prevent these phones from becoming obsolete. These updates are more powerful and larger. In a couple years, the upgrades might not work on the older phones.

TIP! If you have a smartphone, you may use it all through the day. Turn your phone off periodically.

Be careful when watching videos while using LTE or 4G signal. Most phone plans only allow you a limited allowance for data each month. Video goes right through this and it can add up getting charged more. If you’re always going over your limit, look into a new plan.

Don’t be in such a rush out and buy the latest phone. It’s often not always worth it. Look at reviews online before you need to do.

Is your battery life too short? If so, your phone might be getting a weak signal. Weak signals could drain your battery’s energy. When not using your cell phone, don’t store it in a signal-less location like closets or drawers.

TIP! Smartphones will start to slow down as they age. Over time, stuff like updating your apps might become cumbersome.

Try to avoid the extra charges from a charge. You can dial 1-800-411-FREE.You will be able to get the information you want for free with just listening to a brief advertisement.

Take care when it comes to extending a warranty. These costs are additional just cost you money and nothing else. If they are going to occur, it will probably occur during the original warranty period. Plus, a lot of people buy a new phone ever year, so having an extended warranty is not worth it.

If you only use a cell phone for talking, don’t go for a smart phone. The main reason people have smartphones are to use the Internet and send emails. Since smartphones cost quite a bit more money, you want to invest a smaller amount in a regular cell phone if you’re just going to be talking and texting.

TIP! Make sure you learn about all of the applications your phone comes with. Many phones now let you surf the Internet and listen to your favorite music.

Be absolutely sure that you actually need a smartphone before you buy one.Smartphones get pricey, but they offer a lot for the money. The problem comes in when you really only issue is that you can make calls with. This may not a good choice for you.

Don’t let your phone wet. It is quite common for people to damage their phones to be dropped in and ruined by getting them wet. Keep the phone far away from hoses and faucets.Accidents will eventually happen all the time.

Always protect your cell phone properly. Cell phones are very expensive to repair or replace. A screen protector is always the way to go. Additionally, a hard case will protect your phone against drops and dings.

Cell Phone

Try not to allow your cell phone to go dead all the way before recharging it. The battery in your cell phone is designed for periodic recharging.They don’t hold charges that long if the battery is low constantly before you charge it. Try to remember to charge a cell phone batter early on.

Understand the functions of your phone calendar. With it, you can keep tabs on all your important appointments and meetings. You can set alerts in advanc so you don’t forget any appointments. Not only will this save you paper, but it will also help you become much more organized.

TIP! Zoom cameras don’t really exist in the cell phone world. A regular zoom lens that a camera is accustomed to differs from the one used in a cell phone.

You may not need to purchase a case for your cell phone. Smartphone makers have been known to use hard materials like Kevlar or even carbon fibers in the cell phone construction. Though they protect the device, they also sometimes render the phone less user-friendly. Think about your choices, and decide what is right for you.

Remember that your cell phone’s camera doesn’t possess optical zoom feature. Move closer to the subject if you want a better shot. There are also lenses that you can buy that will fit onto your smartphone that will let you to zoom in.

If your phone is a newer model, you probably will not need a screen protector. A lot of the newer phones will come with a protection layer that can keep away smudges and scratches. You may not be able to read your display if you put on another screen protector. Screen protectors can get air bubbles or scratching.

TIP! Whenever you can, your phone’s Wi-Fi options for connections should be used. This will cut down on your data use.

It can be wise to upgrade your phone every couple of new technology. Many webmasters configure their sites to work best when accessed from the newest phones. This can mean that you may have a difficult time accessing them if your phone becomes outdated.

You likely know you have a signal near the location of your home. You may have a signal. If you go out of town, your coverage might be reduced dramatically between cities.

When purchasing a cell phone, don’t get any options you do not need. A lot of new phones have functions that people rarely use. Do not spend money on cell phone features or options that you do not need.

Turn off your phone if you don’t have a bad signal area. Turn of the search off until you find a good signal.

You don’t need to be related to someone to put them on a family plan. Lots of people are unaware of this and lose money as a result. Use this to your benefit with people whom you know to sign up.

Switch any phone features that you aren’t using off. Your phone probably has GPS, Bluetooth, and WiFi. Most of the time you will not be using these features. You may not use them at all. Therefore, turn them off whenever possible.

TIP! Cell phones don’t work well when the temperature is hot, so you shouldn’t leave it in a car when it’s hot. In addition, avoid placing it beside a window that is not covered with blinds, shades or drapes, and do not place it in the vicinity of a clothes dryer, dishwasher, oven or other heat-emitting appliance.

New phones really don’t need a screen protection. Most new models have built-in protection for prevention of smudges and even scratching. Adding a screen protector that’s separate may make it harder to read your display. Screen protectors also risk air bubbles or scratching.

If you’re not a person who texts often, there is no reason to have it as part of your plan. Texting plans are expensive when you don’t actually use them. There are several apps available that allow you to text.

When you get your child a phone, it will be your responsibility to check their privacy settings. Make sure they don’t access inappropriate sites or talk to online strangers. This will aid your family and yourself to be safe.

TIP! If you’re having battery problems, get a battery backup. Some are in case form, so they can be easily carried around.

Only get a phone with the features you need. A number of cellphones include features that are never utilized by the newer cell phones contain a lot of functions people just don’t use.

Even if you are not too up on cell phones, this article has some tips that you need to keep in mind. You need to get the most from them. Increase your cell phone enjoyment by using what you learned here. Few things stink more than having any phone you hate using.

If you have money, it may be better to buy your cell phone outright rather than pay for it every month. This will reduce the amount of money that you pay each month. Plus, you won’t be under contract, so you can make the decision to move carriers at any time.

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Posted by 100Tipper - February 23, 2014 at 3:15 am

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100 Plumbing Tips

100 Plumbing Tips

 

100 Plumbing Tips

100 Plumbing Tips – You are about to enter the wonderful world of plumbing! As you know, there are a number of techniques to try, equipment to buy and much more. Plumbing is a matter of personal preferences and abilities, so it is not always easy to find what works for you. Use the advice from this article to get some ideas.

100 Plumbing Tips

1. Roots from a tree in your back yard can be a real headache when it comes to plumbing. Make sure if you have a big tree or bush or some kind of plant with a big root system, that you ask your plumbing company about root killing agents. You can flush these down your toilet and kill any roots that may be blocking your pipes and save yourself a lot of money by stopping a back up before it happens.

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2. Look closely at your toilets several times throughout the year. Check to see if there are any leaks that you may not have noticed; you can do this by placing five or six drops of food coloring in the tank. If there is a leak, the color will seep into the bowl within half an hour. This process will help you catch a small problem before it gets too out of control.

3. Use a hairdryer to thaw frozen pipes, after you shut off the water to the house. A hairdryer will gently heat the pipe and thaw the ice without causing significant damage to the pipe. Shutting off the water first means that if the pipe is broken, there will be no rush of water into the house.

4. Do not pour grease or oil down any of your household drains. Put them in containers and place in the fridge until they are solid, then throw them away. If you pour them down the drain, they can solidify in cold pipes. These solid masses will clog your pipes and are very difficult to remove.

To make sure your garbage disposal last a long time, clean it regularly. If your garbage disposal begins to emit a bad smell, run some dish detergent and citrus rinds through the cycle to make it smell fresher.

5. Superior quality is important when it comes to shower fixtures. Avoid the temptation to purchase an inferior quality head for your shower. However, they are inexpensive for a reason, this being that they are cheaply made and tend to break a lot easier.

6. Taking preventative measures means you will not have to spend as much on plumbing repairs. Drain clogs are a common plumbing expense. Drains can be clogged by hair. To keep hair out of your plumbing, use a screen or cover for your drains that allows water through but keeps hair out. You can easily clean out the drain covers on a regular basis; it’s harder to remove hair from drains once it’s fallen into them.

7. Everyone in your home should know where the main water shut off valve is. By knowing where to find this valve, you’ll be able to shut off the water in the event a pipe bursts, a bathtub or toilet overflows or any other emergency that requires you to turn off the water.

8. Do not place items in the toilets that do not belong there. For example, if you are a female, do not throw away sanitary pads or tampons in your toilet. This could cause severe damage to your toilet that could require a plumber, or even worse, a whole new toilet!

9. Do you have a frozen drainpipe? You can use a garden hose to thaw it out. First of all, remove the trap from the drainpipe and insert the hose until it will not go any further. While lifting up the other end of the hose, pour hot water down it. Keep pouring hot water down the hose until the drainpipe thaws. To save time with cleanup, keep a bucket underneath to catch the water that overflows.

10. One way to avoid a common plumbing problem is to make sure never to flush anything but human waste and toilet paper down a toilet. Other things made of paper like tissues, paper towels, and the like do not dissolve the same way toilet paper does and can get stuck.

11. If the pipes have burst in an upstairs area, use a tool to perforate the ceiling underneath in several places and places pots and pans under to catch the water. If this is not done, the weight of the accumulating water could cause a collapse of the entire ceiling.

12. Make sure any plumber that you hire can handle the type of job you have. There are many aspects to plumbing and many contractors can do almost all of them, but some are better suited to doing work involved in specific areas. If need a plumber for your septic system, get one that specializes in septic systems.

13. If you are the kind of person who travels a great deal, then remember that different countries may have very different kinds of plumbing systems available. If you are not sure of how things work in the region where you experience problems, then you should either do research or avoid fixing the problem yourself.

14. In order to get the most efficiency from your hot water heater, it’s important to learn what size tank your household actually needs. Purchasing the proper size tank can be assessed ahead of time and thus greatly improve the availability of hot water when needed.

15. To help you save money with plumbing, you should perform regular preventative maintenance. Without performing preventative maintenance, your drains will eventually get clogged and you will have to call a plumber. Calling a plumber can be expensive, so in order to avoid these costly repairs, make sure you do regular preventative maintenance.

100 Plumbing Tips

16. If your home has well water and you start seeing orange or pink stains, that is from iron in your water supply. This is fixed by using water softener, which can be bought at a store, or you can have someone come to your home and fix it.

17. Got a leaky pipe? In many cases you can repair this yourself without the expense of a plumber. If a joint is leaking, tighten it with a pipe wrench. If the leak is coming from a damaged section of pipe, you can try repairing with a store-bought patching kit. One method involves applying waterproof tape to the section of pipe where there is leakage. Before applying the tape, make sure the pipe is thoroughly dry. Make sure that the tape covers two to three inches on either side of the breakage in the pipe.

18. Make sure that your tool box is ready for any project you are preparing to do. The last thing you want is to be knee deep in a job only to find that you are missing the one tool you need to finish. Be sure to have various sizes of pipe wrenches that can be used to complete any job.

19. Clean your dryer’s lint trap. This could prevent you from a tons of trouble, and it can also prevent fires. Be sure to inspect the lint screen for any tears or holes. That could result in lint traveling down your pipes, and that may result in clogs and other issues that have to be dealt with.

20. Before you can fix a toilet that does not flush properly, it is important that you find out what is causing the problem. Depending on what the problem is, you may be able to fix it yourself. However, more complicated toilet flushing problems may require the services of a plumber.

21. Frozen pipes can lead to a large plumbing bill. However, this can typically be prevented. First, make sure that your outside pipe are insulated well. When cold weather sets in, turn off your outside faucets, disconnect all hoses and drain them. Doing this can help save a lot of plumbing repair bills.

22. Regular maintenance of your plumbing lines is a great idea. Your options are getting your lines snaked or jetted. Jetted is a technology that is proven more effective than snaking is. It gets deeper and cleans harder. So jetting is a good idea next time you are having maintenance performed on your lines.

Plumbing

23. Treating your drains every month is a great way to avoid future clogs and other problems, and it’s a very simple procedure. Just run one to two gallons of hot tap water down each drain in your house.

24. Garbage disposals are a common cause of plumbing problems, which is an easy problem to solve. Don’t just put everything down the disposal or treat it like a second trash can. Use the disposal things that would be difficult to dispose of normally. Putting all leftover food down the sink is a good way to produce clogs.

25. If you have a foul odor coming from your garbage disposal, this is due to food debris buildup. You need to put ice cubes, orange peels, and lemon peels into the disposal and run for about 30 seconds. Next, run some liquid dish soap through the disposal. This should take care of the problem if there is not a substantial blocking buildup.

26. Ask before the plumber comes out if they charge for the consultation. In order to quote a project, the plumber has to come out to inspect your particular issue. It is standard to charge for the consultation appointment but the prices can vary wildly. Ask upfront so that you aren’t surprised by the total.

27. When searching for a good plumber you should always check references. It is easy to just go with the lowest price, but you have to do your research and make sure the plumber has a good reputation with the people they have done work for in the past so you do not get a bad plumber.

28. Make sure you shut off your main system before leaving your house for a few weeks. The water will stay in the pipes, but this should prevent any further damages in case a leak starts while you are away. Check that your shut-off valve is working properly before you leave.

29. For people who live in an apartment complex, plumbing is often forgotten about. The first time they move into a home they are unable to resolve any minor plumbing problems, because they have never dealt with this kind of thing. It is good to get a basic understanding when moving into your first house.

30. If the water is not going into your dishwasher, the first thing you should do is shit off the water under the sink. Chances are that you have some kind of blockage, and keeping the water turned on could actually create a bigger problem. To fix the blockage, you may need to call a plumber.

31. Use a product like BioBen if you are planning to leave your system shut off for a few weeks. Water will still remain in the pipes and could start smelling because it is not moving. This type of product will keep the water from stagnating and from smelling too bad.

32. If you have a water pressure or fill problem throughout the whole house, do not panic. It could be the simplest of solutions. Sometimes the city flushes their systems, breaking up debris and sending it to homes. This requires cleaning drains effectively and strainers in order to resolve the problem.

100 Plumbing Tips

33. You always want to solder correctly, the biggest mistake most people make when soldering is failing to get the interior of the fitting and the exterior of the pipe clean and shiny. Polish these surfaces with a fine emery clot until bright. When soldering, never heat the pipe, but instead heat the fitting. Doing so allows the solder to be drawn into the fitting by capillary action.

34. Use a hairdryer to thaw frozen pipes, after you shut off the water to the house. A hairdryer will gently heat the pipe and thaw the ice without causing significant damage to the pipe. Shutting off the water first means that if the pipe is broken, there will be no rush of water into the house.

35. Use your garbage disposal with the cold water running so that you can preserve the blades of the disposal. Using hot water makes grease more liquid and can cause problems, including clogs. Make sure to clean blades by putting in a little dish detergent and run cold water at the same time.

36. Do not let your faucet leak. Did you know a leaky faucet can waste about 150 gallons of water every day? If you have a leak, never ignore it. It could be coming from the faucet or the pipes. Continually check pipes and faucets for extra moisture or small leaks.

37. Always keep your garbage disposal clean. You can do this in many ways. Pour some dish soap in and let the disposal run for a few minutes with some cold water. Be sure to run it regularly, if not, it can cause rust. To eliminate foul odors, grind lemon or other citrus peels. You can clean the walls of the disposal by grinding small fruit pits or egg shells.

105 pc Plumbing Repair & Tool Kit With PVC Case

38. Don’t shrug off that trickle coming from your toilet as a small problem. Even the tiniest leak can be quite expensive in the long run as you end up wasting potentially hundreds of gallons of water. See if you can find the root of the leak, or seek out professional advice, and keep your toilet running efficiently.

39. If your plumbing is making strange noises you may have lost something called your “air cushion”. To turn this back on, you’re going to need to turn off your main water supply. Run all faucets in your house and then turn back on your main water supply. This should make everything sound better again.

40. If you want to add some water pressure to the shower or any spigot in the home, make sure you clean out the aerator. The aerator should be removed and taken apart. Then, clean with a tiny brush swabbed in vinegar. Wash it off, put it back together and connect the aerator to the faucet. This should remove any obstructions that were in the aerator, thereby improving your water pressure.

41. If you need to remove a clean out plug, and you are not having much luck, there are two methods used to help you do this. You can loosen the fitting around the plug using a hammer and chisel. If the plug itself is expendable, chiseling it into pieces and extracting them can work, too.

42. One way to prevent water heater problems is to turn down the heat. As long as the water is still as hot as needed for showers and washing dishes, turning it down won’t hurt anything, and will extend the life of the heater. Holding very hot water can corrode the inside.

43. During the week, hair and soap can build up in your drains and can cause serious clogs. Make sure that you have strainers in each of your drains to help catch this debris so that it does not become an issue. This will help to keep your water flowing efficiently.

44. If the water is not going into your dishwasher, the first thing you should do is shit off the water under the sink. Chances are that you have some kind of blockage, and keeping the water turned on could actually create a bigger problem. To fix the blockage, you may need to call a plumber.

45. Sometimes in the case of minor and or major emergencies we all have to become Mr. Fix it ourselves. If you’ve got blockage in your drains the first step is to try a commercial de-clogger like Drano. Simply pour it down the drain, wait ten minutes, and presto, your drain should be clear.

46. Is your shower pressure weak due to clogging of the openings in your shower head? Here is a simple and cost-effective tip to take care of that problem. Pour a cup of vinegar into a plastic bag, place it over the shower head, and twist tie it into place so it can soak overnight. In the morning, remove the plastic bag and use an old toothbrush to scrub off the mineral deposits which are clogging the openings. This will help to restore water flow and increase shower pressure.

100 Plumbing Tips

47. Avoid frozen pipes this winter! Keep a small trickle of water dripping from faucets, and wrap your uninsulated pipes with foam or newspaper. If possible, keep the doors open between unheated and heated rooms. In an unheated area such as a garage or laundry room, keep a small heater next to the pipes. Remember to do this before the first cold snap hits.

48. Look closely at your toilets several times throughout the year. Check to see if there are any leaks that you may not have noticed; you can do this by placing five or six drops of food coloring in the tank. If there is a leak, the color will seep into the bowl within half an hour. This process will help you catch a small problem before it gets too out of control.

49. Unclog drains with ease. Try using a plunger and drain cleaner, as your clog may simply be a build-up of hair and debris. If this doesn’t work you may have to clear the drain with a snake. Feed the snake into the drain line as far as it will go. Turn the crank gently, which will help to loosen the clog. Remove the snake, and run water down the drain to see if the clog has been removed. You may have to use the snake a couple of times, before the clog is cleared so don’t give up!

50. Use strainers in all drains to catch hair and other objects. This will prevent all the material from going down the drain and causing a clog, which can cause a bigger problem down the line. Clean out the strainers daily so that you don’t start getting backup of water in your sink or tub.

51. Install screen traps or drain covers on all of your sinks and tub drains. Most home plumbing calls are about clogged pipes. These can be caused by debris, especially hair, washing down the drains. Putting in a trap means that you can clean this debris off before it ends up in the pipes.

52. If you have any plumbing work that needs to be done, schedule it all to be done concurrently. This allows you to save up for necessary parts and equipment while saving money on hiring a professional. Because most plumbers charge labor by the hour on top of a flat call rate, you can significantly reduce your bill by reducing the trips they make to your home.

53. Sometimes you have to make the choice between replacing or repairing. If you have an old appliance, that uses a lot of water or electricity, it may be best to replace. Sure, it will cost more initially, but it will save you money in the long run. The other thing is, you can’t be sure how well a repair will work out, whereas with a new appliance you’ll at least get a guarantee.

54. DIY plumbing jobs will require that you understand how to solder copper for the lines for the water supply. You can practice this skill so that you will be able to run your lines without worrying about it leaking. Search online for video tutorials that can help you get a handle on how to go about soldering.

Regular maintenance of your plumbing lines is a great idea. Your options are getting your lines snaked or jetted. Jetted is a technology that is proven more effective than snaking is. It gets deeper and cleans harder. So jetting is a good idea next time you are having maintenance performed on your lines.

55. In any DIY plumbing project, make sure that you always test the drains and the supply lines before you close up the walls. It is a lot easier to find and solve problems if you look for them while you are still in the process of actively doing the job.

56. Never hire a plumber that is not licensed, insured and bonded. If the plumbing company cannot provide you with reference numbers for their credentials, move on quickly. It is a common question and it should be a no-brainer for them to provide them to you. If they have issues with you asking, take that as a big red flag.

57. If your sewer and main lines keep clogging up, then it is very possible that you have a tree root blockage problem. There are over the counter products you can buy to attempt to get rid of this problem. This is very effective, yet the problem is usually very extensive. Therefore, it may require a professional to come out and solve the problem completely.

58. When looking for a plumber, you have quite a few options. Ask friends for recommendations of who they use. Check online for plumbers with good reviews and references. Use your yellow pages and look under “Plumbing Contractors” or “Plumbing, Drain and Sewer Cleaning”. Make sure that you contact more than one plumber before making a choice.

59. Protect you plumbing pipes! If you live in an area which has cold winters and are leaving your home for an extended amount of time, protect your plumbing while you are gone! Shut off the main water valve! Drain the system of water by opening the faucets at the highest and lowest points of the house. Also, make sure that you have left some heat on in the house! Set the thermostat to at least 55 degrees Fahrenheit.

100 Plumbing Tips

60. Do not use the liquid cleaning supplies that are designed to clear clogs. These cleaners are harmful and can damage your pipes as they clear the clog. Instead of using damaging liquids, use a plunger or a plumbing snake. These are much more effective and will not harm pipes.

61. If your water is coming out black, then most likely you have an iron and magnesium issue to your water. You need to contact a water softener company, and get them to come out and assess your water. They will be able to fix the problem by adding a water softener.

62. If your home has a well for water and there are pink or orange stains in the sinks and tubs, this could be due to high iron content in your water. You can deal with use by using a water softener, which is something you can get on your own at a local retailer, or by hiring a professional to come out.

63. Got a leaky pipe? In many cases you can repair this yourself without the expense of a plumber. If a joint is leaking, tighten it with a pipe wrench. If the leak is coming from a damaged section of pipe, you can try repairing with a store-bought patching kit. One method involves applying waterproof tape to the section of pipe where there is leakage. Before applying the tape, make sure the pipe is thoroughly dry. Make sure that the tape covers two to three inches on either side of the breakage in the pipe.

64. Don’t shrug off that trickle coming from your toilet as a small problem. Even the tiniest leak can be quite expensive in the long run as you end up wasting potentially hundreds of gallons of water. See if you can find the root of the leak, or seek out professional advice, and keep your toilet running efficiently.

65. DIY plumbing jobs will require that you understand how to solder copper for the lines for the water supply. You can practice this skill so that you will be able to run your lines without worrying about it leaking. Search online for video tutorials that can help you get a handle on how to go about soldering.

66. If a plug needs to be removed, there are a few methods you can use. The first way is to get a chisel and a hammer and try to jostle the fitting loose. You can also chisel into the plug.

67. One way to prevent water heater problems is to turn down the heat. As long as the water is still as hot as needed for showers and washing dishes, turning it down won’t hurt anything, and will extend the life of the heater. Holding very hot water can corrode the inside.

68. If you have a crack in your toilet tank, you can sometimes fix this with an epoxy resin. However, it is very difficult to keep up with this type of maintenance, and the best bet may be contacting the supplier and ordering a new tank to be installed in your bathroom. Nevertheless, keeping some epoxy resin on hand for emergencies is a good idea.

69. While it is possible to do plumbing activities yourself, it is generally not recommended. If you are not sure of what you are doing, then you must hire a professional. This will help to insure you don’t make a bigger mess of the small problem that your plumbing previously had.

70. Try to update your internal toilet components from time to time. If you have to hold down the handle for a long time to flush your toilet, you may need to replace a worn piece. This improvement will help to save a lot of money on your water bill during the year.

71. Teach your children how to notice plumbing problems. Many parents handle plumbing issues without sharing that information with their children, who grow up not knowing anything about plumbing. Any time you make a small repair or notice a problem, call your kids in and explain what the problem is and what you are going to do. Educate them so they can make good decisions in the future.

72. If the water pressure on your street exceeds 60 pounds, you many want to consider installing a pressure reducing valve. Too much water pressure is actually harmful to your plumbing system and could cause excess water pressure. A pressure reducing valve cuts down your water pressure by almost 50 percent.

73. To avoid plumbing disasters in your kitchen, never place hard-to-grind, stringy, fibrous waste, such as poultry skins, banana peels, carrots, celery, or cantaloupe pulp, into the garbage disposer. The disposer can’t sufficiently grind these food products and they will clog your sink drain. You should also run cold water down the drain for about 15 seconds before and after using the garbage disposer to flush the waste down the main drain.

74. Make sure that you avoid throwing fats down the drain after you clean up your meal. Fats can solidify over time which can cause a drainage problem and corrupt your water flow. Throw out fats and different types of cooking oils in the garbage after you finish with your meal.

75. Before starting a plumbing project be sure to know your pipes. Each pipe has a different use and every municipality has different codes for what pipes can be used for. Making a mistake in this area can be very costly, if you are forced to remove all the pipes from the work you have just completed.

76. You can save money on a plumber by using a power auger yourself to clear a clogged toilet line. Check with local home improvement stores or other venues where you can rent power tools. You may be able to rent an auger yourself for a fraction of the cost of hiring a plumber, although you will have to be able to remove and reset your toilet yourself if you do not have a main line cleanout.

100 Plumbing Tips

77. If you are paying someone else to do the plumbing in your home be sure that they are licensed in your state to do that work. Some people who have little or no knowledge of plumbing will try to pass themselves off as a pro. So you can see the importance of checking to see if your plumber is licensed. You should also see if you can find positive testimonials about the plumbers work.

78. Do not put cooking oils, fat, or grease, down your drain. These fats cause clogs by solidifying in pipes. To properly dispose of fats, put them in a bowl with a lid that you can dispose of. Once it gets hard, throw it in the trash or compost bin.

79. Frozen and bursting pipes from harsh winter weather is a problem that no-one wants, so plan now to winterize your exterior faucets and pipes against freezing conditions. A simple way to accomplish this is to find the exterior water shut-off valve located inside your home (often located in the basement). Turn off the water valve to stop water flow, and then open up the outside faucets to drain out any water that has collected. Be sure to turn off the outside water faucets tightly after the water has drained out. Take in any hoses you may have outside so they don’t crack from the cold weather.

80. Don’t skimp on quality when it’s time to replace that shower head. In a lot of instances, folks decide they can get away with purchasing the most economical model on the shelf. Cheap shower heads can break much more easily.

81. Do not be surprised if a plumber charges you more than you expected. Many customers think that fixing a toilet or other drainage problem should be easy, therefore the price should be low. You must remember that not only does a plumber have to charge for labor, but they have to charge for parts that you need.

82. Treating your drains every month is a great way to avoid future clogs and other problems, and it’s a very simple procedure. Just run one to two gallons of hot tap water down each drain in your house.

83. If the hot water heater in your house is over ten years old, you should look at replacing it. Hot water heaters are very susceptible to corrosion on the bottom. This can lead to leaking and flooding whatever room it is in. Then not only will you have to replace it, but you’ll have to fix any damage caused by the leak.

84. To prevent pipe banging when you turn on the water, think about rubber blankets or straps. Instead of assuming the pipes need replaced, consider anchoring them or buffering them. If your pipes are plastic, leave them some room for expansion and contraction. If pipes do not leak but just make noise, eliminate the noise.

85. Look online for reviews of the plumbing contractor you are thinking of hiring. If people are not satisfied with the work that the plumber preforms, many times they will go on the internet and post negative reviews. If they are happy with the plumber they will also post positive reviews.

86. Call different plumbers before choosing one. Plumbing prices among professionals are not uniform. Before you hire someone to fix a major problem, call two or three other plumbers to see what their prices are like. This can be difficult if you have a major plumbing problem that you need solved right away, but will save you money in the end.

87. The key to finding a great plumber for new construction is to look at their prior jobs. Good plumbers take pride in the work they do, so they will have photos and references from previous jobs. If the plumber you are considering hiring does not have references or photos of previous jobs, then stay away and find another.

88. Always keep a trash bin in the bathroom so that you can dispose of cotton swabs, facial pads, and hair. Do not put these materials in the toilet as they can cause clogs over time and disrupt your water flow. These items will not dissolve or break down when submerged in water.

89. Use a product like BioBen if you are planning to leave your system shut off for a few weeks. Water will still remain in the pipes and could start smelling because it is not moving. This type of product will keep the water from stagnating and from smelling too bad.

90. If the water pressure on your street exceeds 60 pounds, you many want to consider installing a pressure reducing valve. Too much water pressure is actually harmful to your plumbing system and could cause excess water pressure. A pressure reducing valve cuts down your water pressure by almost 50 percent.

91. If you live in an environment where winters get cold, it is crucial that you prepare your pipes for the winter. Leaving pipes as is can cause them to freeze which can create severe plumbing issues. Have your faucet open a little bit when it is really cold to prevent frozen pipes.

92. To check for toilet leaks, especially if it seems like your toilet is chronically running, use a few drops of food coloring in the toilet tank. If water is leaking into the bowl, you will see color in about a half hour. Replacing tank parts can repair leaks and greatly save on water consumption.

93. Avoid frozen pipes this winter! Keep a small trickle of water dripping from faucets, and wrap your uninsulated pipes with foam or newspaper. If possible, keep the doors open between unheated and heated rooms. In an unheated area such as a garage or laundry room, keep a small heater next to the pipes. Remember to do this before the first cold snap hits.

94. If a pipe ever freezes, you need to make sure to shut off the water. This will keep the pipe from bursting and causing you major damage to your home. Make sure to shut the water off at the main valve, and then open the faucet that is closest to the frozen pipe so it can drain while it is thawing out.

95. Make sure everyone that lives in your house knows where to find and use the main water shut off valve in case there is a burst pipe emergency. This is especially important if you live in an area where your pipes may freeze. Take a moment to show your family members where the valve is and how to properly shut it off.

96. It is important to know how to properly anchor your pipes when it comes to plumbing. This is extremely important to know because not having your pipes well anchored could result in loud noises, leaks, or pressure problems. Call a professional if you are unsure how to take care of it yourself.

97. Use strainers on all drains to keep foreign objects and debris from clogging drains. Clean your kitchen strainer often, particularly if you can see debris accumulating. You should also clean your bathtub strainer any time it is slow to drain.

98. Many people deal with clogged toilets. However, if your toilet will not flush every time, the water rises to the top, and there is bubbling effect occasionally, this can be due to a much deeper blockage in the main pipe. The main pipe must then be cleaned in order for your toilet to work properly.

99. DIY plumbing jobs will require that you understand how to solder copper for the lines for the water supply. You can practice this skill so that you will be able to run your lines without worrying about it leaking. Search online for video tutorials that can help you get a handle on how to go about soldering.

100. Avoid pouring grease or oil down your kitchen sink drain. Grease and oil can build up in your pipes and cause a backup. Instead, wait for the grease or oil to cool and solidify and either throw it away or see if there’s a place to recycle it near your home.

Remodel Plumbing

Remodel Plumbing

Author Rex Cauldwell
Binding Paperback
Brand Taunton Press
EAN 9781561586981
Feature Used Book in Good Condition
ISBN 1561586986
Is Eligible For Trade In 1
Label Taunton Press
List Price $24.95
Manufacturer Taunton Press
Number Of Items 1
Number Of Pages 192
Product Group Book
Product Type Name ABIS_BOOK
Publication Date 2005-05-10
Publisher Taunton Press
Release Date 2005-05-01
Studio Taunton Press
Title Remodel Plumbing

 

100 Plumbing Tips

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100 Home Improvement Tips

100 Home Improvement Tips

 

100 Home Improvement Tips100 Home Improvement Tips – Home improvement is an activity of knowledge and skill. It is an activity with the goal of improving upon your home so that it looks the way you want it to. Easier than it sounds though, correct? Don’t let that put you off! Read the tips in this article, to see what you need to begin improving today.

100 Home Improvement Tips

1. Home improvement is often a daunting task. This is because of the time and the amounts of money required. However, it doesn’t have to be so bad. If you have several projects in your house, divide them up into several smaller DIY projects. For example you may want to redo the entire living room. Start simple, by just replacing the carpet, and before you know it, your living room will be like new.

Staged to Sell (or Keep): Easy Ways to Improve the Value of Your Home

2. For an energy efficient upgrade, replace your hot water heater with a tank-less model. The new tank-less heaters only heat the water as it is needed as opposed to keeping 50 gallons or more heated at all times. This change will help your utility bills and the environment.

3. Ugly driveways and concrete can be repaired without having to spend the time and money to replace them. Concrete refinishing has become a new alternative for that cracked driveway or walkway. They can apply a new topcoat, stains, imprint patterns or other design elements that will give your home a whole new look for less.

4. Increase your homes efficiency to improve your personal finance. A lot of the heat you pay for is escaping out of cracks in doorframes, windows, and through poor insulation. By investing in ways to make your home more efficient, you can cut your bills down tremendously. LED Light bulbs are another easy way to save extra money.

5. Are you missing an end table from your living room? Why not create one yourself? Gather a stack of your favorite paperback and hardcover books and stack them on top of one another to the height of your couch. Make sure to stack them according to size; largest and widest on the bottom, and smallest and thinnest on top. Place a coaster on top and you can put your favorite coffee mug or accessory on your newly self designed end table.

6. Resist the temptation to use fancy bricks with decorative faces in your next home improvement project. Not only is such brickwork an unnecessary expense, it is rarely as strong and durable as ordinary brick. Decorative bricks are easier to deface, spoiling their aesthetic advantages. Finally, decorative brick styles are rarely produced for long, making it incredibly difficult to find matching replacements for repair work later.

7. To make your doors feel new, replace your doorknobs. While purchasing a new door can be extremely costly, new doorknobs are available at a very low cost. A clean and new looking doorknob can change the appearance of your entire door. Try to pick out a doorknob that compliments your house’s style.

8. If you are trying to remove wallpaper that has been painted over or has more than one layer, you may have to use a steamer. Using a steamer will assure you do not damage the walls while removing the wallpaper. You can usually rent a steamer or buy a do-it-yourself model.

9. If you currently have low ceilings, you may want to consider new window treatments that can give your room the illusion of greater space. Curtain rods and drapes placed in a higher location can make ceilings seem higher.

10. You will need to purchase shims prior to installing your kitchen cabinets. They are used to keep all of the cabinets level and straight. They are especially helpful if the kitchen floor is not completely level or the wall is bowed. Shims go up to about 3/8 of an inch to completely flat.

11. Having new windows installed in your home can be very beneficial. Old windows often do not have a tight seal and allow heat and air to escape, causing an increase in your monthly electric bill. Double pane, vinyl windows are a great choice. Not only do they make your home more energy efficient, but they are easy to clean and increase your home’s value.

12. When you have your home improvement goal firmly set, it’s worth your time to hit the Internet and look for “how to” videos that apply to your specific situation (right down to the model numbers of appliances that are involved). It may be surprising how many people had similar problems to yours and then recorded their solutions to help others. Using videos is a great way to learn from the mistakes and solutions of others.

13. To add a unifying effect to your home’s decor, consider painting all of the trim white (or another color that complements every room’s walls). Matching trim throughout the house adds visual continuity as you move from room to room and ties your decor together.

14. A simple way to make tile look more appealing and upgraded in your home is to install it on the diagonal. Rather than a a striped look of having your tiles lined up with one side facing each wall, turn them into a diamond pattern and have them installed on the diagonal. This adds a lot of character to otherwise, boring tiles.

15. Demolition should never be rushed through during improvement projects. You may want to rip out all the old stuff as quickly as possible, but this is probably not a good idea. This poses problems, though, particularly if you grab a bunch of wires and pull them out.

16. Make sure that you and your family members know how to shut off the water supply to your home in case of an emergency. If you wake up to a burst pipe, gushing water heater or other unexpected fountain, you need to be able to kill the supply immediately to prevent damage and a sky-high water bill.

100 Home Improvement Tips

17. Displaying books in your living area can be a great sign of intelligence as well as a nice decorating accessory. Make sure when you’re displaying your books to arrange them according to height and color. Not arranging books according to height will make your collection appear messy and unorganized. Arranging your books by color will make your area seem sophisticated.

18. Use flour for emergency wall paper glue! That’s the way the old timers always used to glue their wall paper in place. Just mix some flour with enough water to make a paste. Apply it just as you would any other wall paper glue. It will last for years!

19. When it comes to home improvement, be sure that none of the workers that will be working on your home have a criminal record. This is important to the safety of you and your family, and also for the security of your belongings. It is not uncommon for you to ask for the names of all the workers that will be on the property. Background checks are available online.

20. Place a nice centerpiece on your dining room table to create a sophisticated look. Your arrangement doesn’t have to be floral in nature. You can mix celery sticks or different vegetables with flowers, or use wildflowers growing outside to create an arrangement pleasing to the eye. You can place your centerpiece into a basket or a vase.

Home Master HMF2SdgC Whole House Two Stage Water Filtration System with Fine Sediment and Carbon, Blue

21. Installing insulation in the attic is a great way to cut the cost of heating and cooling a home. Because heat rises, a massive amount of heat can be lost by houses that have bad insulation, especially during autumn and winter. You can buy this insulation at hardware stores and install it yourself.

22. Any time you hire an outside company to do home improvement jobs for you, it is imperative that you check the legitimacy of the company first. Using a company without an address is not a good idea, since they are likely not reputable and probably too small. Stick to working with contractors and businesses that can show you a strong, verifiable track record.

23. Choose wallpaper patterns carefully. Avoid using overpowering patterns in small spaces; conversely, using a bold design in a very large room will make it appear cozier. Never use a patterned wallpaper if you have patterned carpet or window coverings. For a room full of awkward corners and recesses, pick a wallpaper with a random design that the eye doesn’t tend to follow. This will help to disguise any imperfections in the walls.

24. Keep your placemats and linen napkins clean by storing them in appropriate sized zipper sealed bags. Be sure to label the bag with a sharpie clearly stating how many pieces of each are within the bag. Don’t forget to force the air out and seal the bags as flat as possible to only use minimal space.

25. Try picking some colors that are in the room already. It could be upholstery fabric, drapery or carpeting. For instance, if your sofa has a pattern that is made up of mauve, green and taupe shades, then select one dominant color from those options to feature in at least half of the room. Use the remaining two shades to paint trim and accent.

26. Before removing wallpaper from a room as part of a home improvement project, be sure to determine what type of wallboard is underneath the paper. Generally, you will find either plaster or drywall. Drywall requires much more care when removing wallpaper, as it can be damaged by over-wetting or scraping.

27. A quick home improvement job can be replacing the toilets or toilet seat covers in as many bathrooms as one chooses to do. Also, they can be replaced over time to spread out the cost of the new items. New things can freshen up the appearance of a persons bathroom.

28. Decide whether or not you should disable your burglar alarm when you put your house up for sale. If you do not live in the home and the neighborhood is dangerous, you may want to have an alarm.

29. Pay attention to the climate in which you live. If you generally have a lot of rain or inclement weather, you may need to think of outdoor projects that will help combat that. Covering the patio may get rid of this issue, but you have to be willing to drop the money on the extras.

30. A great home improvement tip is to not let your ego get in the way when making renovations. Sometimes, a renovation you may have in mind does not need to be done because it could violate a particular building code, or it could even harm the value of your home.

31. Home improvement projects that involve changes to the plumbing can sometimes take unexpectedly longer. There are many instances where plumbing changes may require an extensive re-routing that was not identified during the planning phases. You can however plan for these uncertainties ahead of time by purchasing drinking water and making arrangements with neighbors to use their showers and toilets.

32. There are many home-improvement tasks that are easy to do, and can really enhance the beauty of your home. Replacing the old hardware on your kitchen cabinets with new updated hardware, is a relatively easy job and can give your cabinets a fresh new look. Taking on small home-improvement projects will help give you the confidence to take on bigger projects in the future.

100 Home Improvement Tips

33. Improve your home by installing ceiling fans in your rooms. Ceiling fans can help you save energy when you need to heat or cool your home. In the summer, the fan can create a breeze that has a cooling effect in the room. In the winter, when the spinning direction is reversed, the fan can recirculate warm air, which means less work is required from your heater.

34. If you must patch your roof, aluminum tape that is three inches wide is all you need to do the job. Aluminum tape requires application to a surface that is clean once you’ve removed the backing. This will help cover those cracks and keep water out.

35. Make sure to have a contractor or electrician install a power outlet in the cabinet above where the microwave will go. If you don’t do this, you will be struggling to find a place to plug it in during or after the installation of the microwave and hood vent.

36. Use flour for emergency wall paper glue! That’s the way the old timers always used to glue their wall paper in place. Just mix some flour with enough water to make a paste. Apply it just as you would any other wall paper glue. It will last for years!

37. Dress up a few pillows for the master bedroom. Take some old clothes such as band shirts, shirts with cool designs or an old pair of jeans; cut them to size to fit your decorative pillows and sew them together. The room will gain a bit of life and personality with these cool additions.

38. Any home improvement project intense enough to involve opening a house’s walls should include some new wiring for modern electronics. Even though the cutting edge of high-tech has moved on to wireless computer networking, adding integral Ethernet wiring to your home increases network security, offers added convenience and improves resale value.

39. By installing crown molding, you will be updating your home with a crisp and fresh look that is surprisingly high-impact. At just over a dollar per square foot, you can splurge on molding that complements your window trim, flooring and baseboards. This look is timeless and easily adds value to your home, even after many years.

40. If you’re planning a major addition to your home, consider the cost of insurance before starting construction. Wood is always more expensive to insure because it is highly flammable. Steel and cement framed structures will cost less to insure because they are highly flame retardant. A conversation with your insurance agent before you begin to build could save you thousands.

41. Looking to start a repair or renovation project in your home? Make sure you check out your local home improvement store for ideas and classes to learn how to do everything from replacing a pane of glass to cutting and laying tile. Most of the huge home improvement stores offer a list of free classes available along with several times to catch the class. Bring a notebook and digital camera to record the lessons step-by-step and as an added benefit, most of the classes are conducted by store personnel who are happy to give further assistance once you dig into your project.

42. Remodeling your kitchen is a time consuming process. Don’t create more work for yourself by hastily removing your old cabinets and damaging your walls. Carefully check to make sure you have removed all the screws and nails holding the cabinets to the walls, and use a putty knife to remove any caulk adhesive.

43. Old toothbrushes work great for cleaning. Old toothbrushes will work in the sink, around the faucet, or in the garage. And, they don’t cost anything! When it is time to replace your toothbrush, don’t throw away a perfectly useable brush; instead, simply move it to wherever you store your cleaning supplies. Save your money for other things.

44. Some people believe that high ticket items like radiant heating under the floors or central vacuum systems will add value to their homes. Then, they forget to paint the outside of the home or fix their crooked shutters. Buyers tend to notice these things quite easily and may judge the house to be a fixer-upper. First impressions always matter the most when it comes to a family’s house and property.

45. Making your tile floors a source of heat is easier and less expensive than you might think. Talk to a sales representative if you are putting in floor tile and are thinking about radiant heat. It’s an efficient and enjoyable way to heat a room. It’s especially nice for the cold bathroom floors in the morning. If you sell your home in the future, potential buyers will be impressed with the luxury option.

46. To prevent a leaky roof make sure you do routine inspections for possible problems. You should do this after and major weather disturbances such as a strong storm, heavy rain or wind, hail storms, or heavy snow. Once you have found any discrepancies make sure you act on them right away.

47. Roofs often need repairs, but you need to make sure the roofer you hire to take care of it is a reputable contractor. You should always research any roofing company you’re considering before you sign a contract. You can check the BBB or do an online search for reviews from previous customers.

48. If you are looking to replace a door or many doors in your home, consider aluminum-clad storm doors that can be found in your local home improvement store. This type of door is not only energy-efficient, but it will last longer and brave the elements while also insulating and preventing drafts in the entryways of your home.

100 Home Improvement Tips

49. When improving your house, there are some projects that you can do yourself and others that you cannot. If you feel like you can complete a simple task like repainting the kitchen, then by all means do it, in order to save yourself some extra money. Just be sure that you know what you’re getting yourself into before you start a project. You don’t want to try and remodel your bathroom and find out half way through that you’re not sure if you can complete the task without hitting a pipeline.

50. If water still continues to run from the toilet tank, then you should check the float ball. A float ball that is positioned too high will constantly cause water to enter the toilet’s overflow pipe. A float ball that is positioned too low won’t allow for proper operation. Don’t let the ball touch the tank sides, and replace the ball if it is damaged.

51. Consider a truly “green” makeover to your landscaping. A popular new trend in landscaping is to make your garden fit the climate and area that you live in. Gone is the need for the perfect green lawn all year round. If you live in a dry climate, consider creating a landscape that are tolerant to drought and you will save money in watering costs and help the environment.

52. Cover your door knobs, hinges and other hardware with petroleum jelly before painting. It is an easy way to insure they don’t get covered in paint. All you have to do when you are finished painting is use a soft cotton cloth to wipe the petroleum jelly from the surfaces of the hardware.

53. Chipping paint, rotting decks and ceilings which contain water damage can be easily seen when you look through a house you are thinking of buying. Things like roof defects, bad ventilation, or other hidden problems can be located by professional inspectors. Invest money upfront when you purchase a home, so that you don’t have to spend a lot on repairs in the future.

54. TV entertainment stands cost quite a bit of money. A great viable alternative to those expensive stands is buying a nice dresser. You can put your TV on top and use the dresser drawers to store your DVDs and CD’s. Your remote controls and electronic manuals can also be stored in a drawer preventing it from being an eyesore.

55. Throw your plastic shower curtain in the wash! Add a few clothes so they will swirl around with it and give it a good scrubbing. Even the most inexpensive shower curtains will survive one or two washings. You keep them out of the landfill and at the same time brighten up that tired bathroom!

56. If your shower and bathtub seem to be building up mildew, or leaking a little bit, it may be time for you to re-caulk. Removing your old caulk and putting in new should actually be done once a year as your typical bathroom maintenance. You can purchase calk from any hardware store for a very reasonable price.

57. Avoid hiring an architect for minor home improvements and small renovations. Check your local building codes; in most areas architects are unnecessary for jobs below a certain size. Working with a competent contractor on these small-scale projects makes an architect unnecessary. When an architect is unnecessary and not required by local ordinances, save yourself some money by working without one.

58. The canny homeowner pays for quality, not name recognition when buying home improvement materials. Many expensive fixtures and fittings cost so much because they have recognizable brand names and fancy styling. Other fixtures are expensive because they are exceptionally durable and well-made. Learning to spot the difference and spending money on the latter is the way to get the most out of a home improvement budget.

59. By redoing your driveway with a new method of surfacing or simply redoing the existing surfacing is a great home improvement job that will make your house look better. Not only will you be able to admire your house, but everyone in the neighborhood will as well.

60. When partaking in a large home renovation project, you should aim to have a clear vision of what you want. If the contractor feels like he or she can depend on the plans, things are likely to go much smoother. However, if the contractor does not feel confident in the plans, he or she may be afraid to do anything.

61. Think about how much you will be in your home. If you don’t plant to live there for a very long time, it doesn’t make sense to spend a lot of money to improve it. You can still repair small problems, but leave upgrades to someone who will make it a more permanent residence.

62. Kitchen cabinets can be extremely heavy. Make them lighter by removing the doors and drawers from all of your new cabinets before installing them. The lighter cabinets will be easier to maneuver and there will be nothing to get in your way as you screw the cabinets to the wall.

63. If space is at a premium in your home, consider remodeling the attic or basement. These often overlooked spaces can be a cost-effective way to gain more square footage in your home, without resorting to a costly extension. If the area is already partially finished, your project will progress quickly, and you’ll be enjoying your new space in no time.

100 Home Improvement Tips

64. Adding insulation to your walls, crawl spaces and attics isn’t something that a lot of people think about when it comes to improving your home, but they should. Adding insulation is a great way to make your home cooler in the summer, warmer in the winter, and more sound proof.

65. One thing that a lot of homes seem to be missing is plants. Adding some plants to your living environment can spruce up your home infusing it with some life. Plants are not only a great design element, but make your home decorations seem complete and add a touch of nature to your rooms.

66. Before installing paneling, paint stripes on the walls. Regardless of your skill, it seems inevitable that some of the old wall will show through. To avoid this, you can measure the places the sheets of paneling will connect. Paint strips of the wall with a paint color that will better match the color of the paneling.

67. When it comes to home improvement, be aware that you should never pay more than 35% of the project cost up front as a down payment. This is to ensure that you do not lose your money if the contractor backs out. Always pay by some method of payment that can be tracked such as check, instead of cash. Finally, only pay for the complete job when the job is actually completed.

68. When it comes to home improvement, small things such as replacing your central air blower’s air filters are essential. This is important both to the efficiency of the blower, as well as being a necessary maintenance procedure. If you allow dust and dirt to gather and even bypass the filter, it will gather within the moving parts of the blower and eventually cause it to fail.

69. If you are unsure how to organize the pictures on your wall, there is a simple and effective solution to your plight. Paint some contrasting thick stripes, diagonally down your wall. Then arrange your pictures in their frames within the thick stripes. This adds definition to your walls as well as organization for your frames.

70. Carpet the bottoms of the drawers you keep your hand tools in. This will not only make the shop room a quieter place but it will help protect your valuable tools. Keep those tools rust free by spraying the carpet lightly with machine oil before you place the tools inside the drawer.

71. Many home improvement stores offer classes and training sessions on different areas of home remodeling. You can sign up for these classes, often for free, and get great advice and tips on things like painting, simple plumbing, changing light fixtures, gardening and home decorating. It can give you not only the skills to do the job, but also ideas for your next project.

72. If you are doing a home improvement project that involves demolition, slow down and take your time. It may be exciting to smash that wall open, but you could damage structural supports, plumbing, or electrical connections. The same is true of pulling down cabinets and other fixtures. Once you’ve demolished it, it can’t be put back, so pay attention to what you’re doing.

73. An average-sized home that is poorly insulated can lose as much as 25 percent of its heat during the autumn and winter months. While updating your attic with glass fiber insulation materials may seem like a significant cost up front, you will quickly break even with the amount of money saved on your monthly heating bills.

74. You’d be surprised at how much difference an updated address and nameplate can make on the front porch of your house. Sleek and shining house numbers make your home easier to locate, while a custom-engraved nameplate adds class and distinction. Finally, spend a little bit of cash on an ornamental door knocker, even if you have a doorbell.

75. If you are painting your home, be sure to clean off your brushes as soon as you have finished using them. Letting paint dry on the brushes can damage the bristles and make them less effective. Also, if you fail to clean brushes fully and then move on to paint another room, flecks of the first paint color may end up in the new color.

76. Take a close look at your home and ideas. As with any home improvement project, you need to know where to begin. Looking through your entire home and cataloging changes you want to see if you can get the best idea of where to start out. Work through the list from necessity to wants.

77. When you install new kitchen cabinets, make sure each one is screwed directly to a stud in the wall. It’s a lot easier to locate and mark the studs before you start to hang the cabinets. This process can be simplified with a simple and affordable stud finder from your local hardware store.

78. Improve visibility for cooking, washing dishes, reading recipes and other common kitchen tasks by installing lights under your cabinets. These small lights are simple to install yourself, and are a great way to boost the amount of light in your kitchen without using higher-wattage bulbs in your overhead light fixtures.

79. Choose two easy-to-remember days of the year to check and replace, if necessary, the batteries in your carbon monoxide and smoke detectors. New Year’s Day and the Fourth of July are ideal times to perform this task. You should also make sure that your fire extinguishers work and discuss your family’s exit strategy in the event of a fire.

100 Home Improvement Tips

80. If you are in need of space in your bathroom, you know that the two things taking it up are usually the bathtub and the sink. Opt to install a pedestal sink in a small bathroom instead of one with cabinets on the bottom. It not only gives your bathroom an expensive appearance, but also frees up much needed space.

81. Prep before you paint. Painting the rooms in your home can provide a new face lift for a little bit of nothing if you are prepared. Don’t try to do it all in one day or weekend. Be prepared before you start. Have all of the necessary tools on hand.

82. Before you begin your next home improvement project, take the time to look for inspiration in magazines, color swatches and anything else that you can find. It is important to plan ahead so that you don’t get stuck trying to do too much when it is time for you to begin your project. This will make the entire process much more relaxing for you.

83. If you’re doing any work in the bathroom or kitchen, turn the water off. You’ll need to find the main shut-off in your home before you start any work that involves your plumbing. Taking this step can help prevent a flood.

84. If you are hiring someone to perform your home improvement work, never pay more than 10% down or $1000, whichever sum is less. Legally, a contractor is not able to accept more than this figure. If he asks for additional funds, it is a sign that the person you hired may not be very reputable.

85. Bathrooms can often fetch the most payback for money invested when remodeled properly. Bathrooms need to be in better shape than most other rooms since they are so much harder to update. A new buyer may be scared off by expensive changes needed to make a bathroom functional. The fixtures, sinks and bathtubs should be clean and free of rust or scum. If you have linoleum floors, switch to tile.

86. When you are fixing up your real estate, don’t waste money buying commercially made primer paint. Go to your local home improvement store and buy several cans of the paint that they mixed that someone did not like. Have them pour it all into a larger bucket and mix it to a medium shade of gray. This will save you more than half of what you would have paid.

87. To make money flipping real estate you should start with improving the outside. This is the part that will make a first impression on potential buyers and can be done rather cheaply. Take a picture of the outside and study it when you are not at the home. It will help you focus on what should be fixed or improved.

88. Most basements have little natural lighting. Make sure to plan the layout of your artificial lighting well, to make your basement livable. In the best of scenarios, your basement will have a portion of the walls that exceed ground level. If that is the case, you should be able to put in windows to bring in natural light.

89. Linoleum is a great alternative to tiling, as it is much more wallet friendly. However, it can get scuffed quite easily with use. You can quickly get rid of linoleum scuffing by rubbing white toothpaste on it with a cloth. Another quick fix is spraying WD-40 on the affected spot and making sure to degrease the area when you’re finished, with soapy water.

90. When doing home improvements on your own, consider purchasing high quality supplies and tools. The start up costs will be higher, but in the end, you will save more money this way. These products can actually save you time and money in the long run. Tools can be expensive and you don’t want to have to replace them regularly.

91. Build your own utility shelves with furring strips, plywood, and screws. Build two identical ladder-like sides using the furring strips and screws. Connect them perpendicularly by screwing on additional furring cut to the width of the shelves. Finally, screw plywood panels in place to make the shelf surfaces.

92. When cracks appear in your interior walls or your ceilings, have them inspected by a construction professional as soon as possible. While the most likely cause of such cracks is a simple failure in the finished surface, they can indicate deeper, much more serious causes. You don’t want to blithely paint over a crack and forget about it when it is actually indicating foundation settlement!

93. When you are doing renovations to floors in your home, make sure that there is a flow from room to room and that the flooring does not change too dramatically. Many buyers are turned off when the house has one type of flooring in a room and a dramatically different type in the next one.

94. Kitchen cabinets can be extremely heavy. Make them lighter by removing the doors and drawers from all of your new cabinets before installing them. The lighter cabinets will be easier to maneuver and there will be nothing to get in your way as you screw the cabinets to the wall.

95. To increase energy efficiency and save significantly on your utility bills, consider replacing single pane windows with newer energy efficient ones. The investment you make in new windows now will easily pay for itself over time as your utility bills will be lower and, of course, your home will be more comfortable.

96. You can make really neat one of a kind plant stands from old stools. You can buy some old stools from yard sales, garage sales or your local thrift shop. The older the better and the more unique your plant stand will be. Weathered stools that you use as a plant stand can add a touch of unique country to your home decor.

97. When it comes to home improvement, be sure to do your background work and ensure that the contractor is bonded. This is important because a way to assure that the job you intended to be completed will be completed per the stated terms. Also, the bond provider will cover any damage or theft that occurs.

98. Solar panels can improve your home. The initial outlay can be a little expensive, but over the long term this could be a very worthwhile investment. This will help you save on monthly electricity bills, because you will mostly be using energy you stored. This all-natural solution for energy in your home is amazing.

99. A drill comes in handy for many projects. It lets you make the holes you need for driving screws and other fasteners. Ensure you have a drill that is cordless and battery operated with a minimum of 9 volts. You should also have drill bits of various sizes and screw attachments.

100. In any given room if you have hate the feeling of a cramped space, install some long floor-length mirrors. Mirrors make a room appear wider and taller giving your space more definition. Another added benefit is that mirrors create a feeling of more light in a room, as well as, help you select the right outfit to wear!

 

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100 Debt Consolidation Tips

100 Debt Consolidation Tips

 

100 Debt Consolidation Tips

With so many different sources of credit available, it is all too easy to find yourself buried in debt. If you have a hard time keeping track of your loans and credit cards, debt consolidation may be the answer. By combining your debts into a single balance, it is a great deal easier to keep track of how much you owe. Debt burdens have the ability to make life truly miserable for those dealing with them. That said, there are things that can be done to make the situation much better, with debt consolidation being among them. Rather than borrowing money from family or taking on a third job, debt consolidation can help you fix your problems. Read on to find out more.

The Smart & Easy Guide To Credit Card Debt Relief: The Ultimate Guide Book To Credit Cards, Debt Consolidation, Debt Settlements, Debt Counseling, … To Pay Off Credit Cards & Become Debt Free

1. Look online for a lender to help with your debt consolidation. Lenders online have a good track record for supplying loans quickly and safely. Research the lender to ensure that they are well known and respected in the industry. Carefully read all the terms associated with the loan and you should have an easy time of securing one that fits your needs.

2. Find out whether a debt consolidation company will take your unique situation into account. A one size fits all approach generally does not work when it comes to these kinds of financial matters. You want to work with someone that will take the time to determine what is going on with you and figure out how best to address the situation.

3. Talk to friends, family and coworkers. You aren’t the only one with money problems, and chances are that someone you know already has some experience with debt consolidation. This is a great way for you to find a company you can trust, so that you can avoid using a less than reputable company.

4. Always call your state’s consumer protection agency before signing anything with a debt consolidation agency. Make sure the agency is properly registered, has a valid license and no complaints filed. You should not work with a professional who is about to lose their license because of complaints filed by consumers.

5. When speaking with a debt consolidation counselor, ask what training they have in the debt consolidation field. The best debt consolidation companies are certified by outside organizations, such as the NFCC. By ensuring your credit counselor is certified, you can rest assured that they are well versed on your local and federal laws.

6. There are three types of debt consolidation available to most debtors. The first is a second mortgage or home equity line of credit. The second is a credit card or line of credit which pays off the debts and then has to be reimbursed. The last is a loan from a loved one.

7. With the current low home mortgage interest rates, you may be able to refinance your home and take out some of the equity. Be careful to avoid borrowing as much as possible on your new mortgage. If home values should drop even more, you may end up owning a home that is less than the amount you owe on it.

Negotiate and Settle Your Debts: A Debt Settlement Strategy

8. Do not get involved with a debt counselor that works for a company that pays by commission. This is a red flag as it’s going to alter your situation according to the best interests of the debt counselor and not your best interests. Instead, look for a reputable company that pays their counselors accordingly.

9. It is important that you completely read over the documents that the debt consolidation agency provides you and accurately fill them out. You don’t want to make any mistakes. If you make errors then help could take a while to get which is why you need to be sure to ask questions and to be careful.

10. Before you look into debt consolidation you should try negotiating with some of your lenders. Check to see if your credit card provider will lower your rate of interest if you stop using the card. They may offer you a rate plan that is fixed. You may be surprised what your creditor is willing to do to help you.

11. Do you wonder if debt management might be an answer for your issues? If it’s possible to meet your all of your financial obligations with a sufficient amount of organization and management assistance, this may be a faster, better alternative to consolidation. Find a debt consolidation specialist who can negotiate lower interests and charges on all your accounts.

12. If you happen to owe money to multiple creditors, try calculating your average interest. Then compare this rate with the one being offered by the debt consolidation agency to ascertain it’s a good deal. If you have a low interest rate, you might not need debt consolidation.

13. Calculate how much money you can save thanks to debt consolidation. You will get lower interest rates on your debt if you use one of these services. However, the fees your debt consolidation agency charges you might be too high to justify using a debt consolidation service to get out of debt.

14. Make sure you can afford the debt consolidation solution you choose. You will still have monthly payments to make on time. If you cannot afford these payments, work on paying off your smaller accounts to reduce your debt as much as possible before turning to a debt consolidation service to manage your most important accounts.

15. If you have the ability to make a lump sum offer, ask for a paid in full or a pay for delete offer. With this offer, the creditor will either remove the debt from your credit report or report that they were paid in full. This is more beneficial to your credit score than a paid by settlement report.

16. Almost all debt consolidation is non-profit. The IRS gives tax breaks to companies who offer services to clients who are consolidating debt. Non-profit does not mean free. These companies do charge fees for their services. They have to pay their employees, file paperwork and have other costs associated with running their business.

17. Keep in mind that not everyone qualifies for a debt consolidation program. Debt consolidation is basically about replacing your current debt with a secured debt. If you cannot qualify for the different refinancing methods offered, you will not have access to debt consolidation. Contact a debt consolidation service before your credit score is completely ruined.

100 Debt Consolidation Tips

18. Consider a bill consolidation service to help with your monthly debt. When you seek to consolidate debt, paying monthly bills to individual companies can create confusion and missed payments. Use a consolidation service that will pay these providers for you. You supply them with one lump sum each month and they will quickly dole it out for you automatically.

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19. Don’t look at debt consolidation as a horrible thing that you are doing alone. This is a real common situation. Millions of people have been exactly where you are right now, and they’ve survived. Know that going in. It’s nothing to get worked up about. Channel that potential anxiety into the right action steps to move forward.

20. Seek the consult of a consolidation service. Talking to a credible company about your debt can help you establish where you stand. They may help you realize that your situation is not as bad as you expected. You may also find that the debt is larger than you care to deal with alone, which may prompt you to move forward with the service.

21. Make it known to creditors if you use debt consolidation. Your creditors may wish to work with you to offer different options with you so that you can avoid having to consolidate debts. Your creditors will see it as a good sign that you are trying to improve your financial situation. It might help them understand you are making an effort to get control of your finances.

22. After you’ve set up a good debt consolidation plan, contemplate how you got into your situation. That will help you keep from making the same costly mistakes twice. Look deep into yourself for answers, and make sure this doesn’t happen to you again.

23. Why do you want to consider debt consolidation to help you out? If it is only to reduce your payments so that you have more money to spend on discretionary things, such as entertainment or going out to eat, you are making a huge mistake. This method is only for those who are intent on paying down debt.

24. Find out whether a company pays its counselors by commission. This is tremendously important for you, since a counselor working on commission may not have your best interests at heart. Make sure you avoid commission-paying companies, and instead opt for those that treat their employees well and pay them a salary.

25. When speaking with a debt consolidation counselor, ask what training they have in the debt consolidation field. The best debt consolidation companies are certified by outside organizations, such as the NFCC. By ensuring your credit counselor is certified, you can rest assured that they are well versed on your local and federal laws.

26. Properly fill in your information on all forms requested by the debt consolidation firm. You should be paying extra close attention to all of this information and detail. If you make any errors, then you are simply delaying the assistance that you can receive. Therefore, ensure you correctly fill out these documents, and don’t be afraid to ask for assistance if you are unsure about anything.

27. After you identify all creditors, get contact information and debt details for all of them. You should know when these debts are due, the interest they are charging, what you owe and how much you need to pay. You will need to know this and more as you proceed with debt consolidation.

28. Know that debt consolidation only works if you don’t accumulate more debt afterwards. If you go back to living off your credit cards, then all you’ve done is worsen your situation. Instead, map out a plan of action for how you’ll live after the debt consolidation. For many this means paying via debit cards or cash, so you always are living with what you have.

29. Use your common sense when getting involved with a debt consolidation company. You may not think you know as much as these companies do, but you can certainly tell when something is wrong and when you are being taken advantage of. Be very careful to think wisely and to keep your wits about you.

30. Try fixing your debt without borrowing money by contacting your creditors. Ask about the payment plans they can offer. You might be able to get lower interests or not have to pay late fees. If the new interest rate is lower than what debt consolidation will cost you, choose the new payment plan.

31. If you are seeking debt counseling along with your consolidation loan, choose a non-profit company which doesn’t ask for money up front. They may ask for a donation monthly, whatever you can afford, but know that you don’t have to pay it if you don’t have the money to offer.

32. If you’re married and are seeking debt consolidation, find out whether you can include some of your spouse’s debts as well. You may both need to talk to the debt consolidation to find out how best you can take care of debts owned by both of you, so that both of you can move forward.

100 Debt Consolidation Tips

33. If you’re trying to pay down your debt, try borrowing a bit from your 401(k) or other employer-sponsored retirement account. Be careful with this, though. While you’re able to borrow from your retirement plan for low interest, failing to pay it back as you agreed, losing your job, or being unable to pay it all back, the loan will be considered dismemberment. Your taxes and penalties will then be assessed as for why funds were withdrawn early.

34. Avoid debt elimination arbitrators. These companies love to claim that your debt can be eliminated, though in reality they know that only bankruptcy can result in total elimination. The best these companies can do is reduce the debt you owe. Surprisingly, this is no different than you could do by calling and negotiating with creditors yourself.

35. When you are exploring debt consolidation options, do not assume that a non-profit business is completely trustworthy or that they will give you the best terms. It could come as a big surprise when this seemingly innocent term results in an unfavorable consolidation deal for you. Check with your Better Business Bureau or try to find a service that someone can recommend.

36. Don’t choose a consolidation firm because they are not-for-profit. Just because an organization is a nonprofit, it doesn’t make them competent. The best way to find out if any company is worth your business is by checking them out with the Better Business Bureau at www.bbb.org.

37. Ask your debt consolidation firm about any sort of education services they offer. Quite often, these firms have excellent training opportunities that can help keep you out of this situation in the future. That’s important for your financial well being! Take advantage of any opportunities that they might have, even if you think you’re already prepared.

38. If you are a homeowner and have lots of equity in it, try taking out a line of credit or home equity loan. This can help you use use that money for nearly anything you desire, including debt consolidation, and the interest paid is tax-deductible. This will help you save money in multiple ways.

39. When it comes to dealing with debt consolidation, make sure that you relax. This practice is very common and will help improve your finances when all is said and done. You have the opportunity to lower monthly fees, lower high interest, eliminate late fees, put a stop to those harassing phone calls, and eventually become debt free. You can bounce back from this, but you must keep calm and pay attention to your payment plan.

40. Before deciding to go through debt consolidation, get a credit report. A credit report will allow you to see where you need to concentrate your efforts. A credit report allows you to see how much you owe and what creditors you owe money to. Additionally, many credit reports also show the interest rate of each loan.

41. See if your prospective company employs certified professionals. The NFCC will tell you whether or not the company is reputable with counselors that are certified. This can help you feel more comfortable as you’ll be dealing with a good company.

42. Your debt consolidation agency will offer personalized recommendations. A professional who presents you with a few options without taking the time to learn anything about your situation is not a good choice. Your debt counselor should develop a personalized solution for you.

43. When consolidating your debt, it is extremely important to find a reputable, respected debt consolidation company. Before hiring a debt consolidation company, consider how long the company has been in business, the company’s perceived reputation and the amount of money that the company charges in fees. Shop around to find a debt consolidation company that meets your needs.

44. Do not sign up for a debt consolidation program before reading their terms of service. These professionals have to give you a written version of their terms of service and explain everything in detail. Find a more reliable professional if the terms of service are not presented in a clear fashion.

45. Begin a financial journal. In this journal write down every penny you spend for one month. Many times you will see ways to save money to help pay off your loans. For example, many people eat a restaurant every day for lunch. Simply packing your lunch a couple of days a week will help you be able to pay extra toward your debt.

46. Consider all of your options, not just debt consolidation. Many times, you can make better deals with your creditors without paying a company to do it for you. Explain your situation to your creditors, let them know that you want to pay them back, and most likely they will help you by offering lower interest rates or lower payments.

47. Consider choosing a debt management company which doesn’t just offer consolidation of payments, but also counseling, courses and support. If they can teach you how to make and stick to a budget, or who to speak to about psychological problems such as addiction, you can deal with the cause of your debt problems.

48. As you select between debt management firms, choose a company who gets back to you quickly. When it comes to financial issues, having to wait for an answer can leave you anxious and frustrated. A firm which communicates quickly and in terms you can understand will be your best bet.

100 Debt Consolidation Tips

49. Do your research on your potential debt consolidation companies. Not every one of these companies is best for your scenario. Some are not even reputable–there are a lot of “fly by night” operations in this market. Don’t fall into the trap. Research the companies fully before making any decisions.

50. Ask your credit card company if they’d accept a lump payment for a lesser amount than the debt. Many companies will accept 20% to 30% less than the amount you owe currently just to get the cash in hand. If you can scrape up the cash, this is an excellent way to save funds that can go to other debts.

51. When you are considering debt consolidation, don’t automatically trust a service that says it is a nonprofit, or think they will cost less. Some companies use that term to get away with giving you loan terms that are considered quite unfavorable. Therefore, be sure you do your research on this company beforehand.

52. A label of “non-profit” does not necessarily make for a great debt consolidation company. Even though it may seem like a good deal, non profit doesn’t always mean good deal for the consumer. If you’re trying to learn more about a company, you should always look them up using the BBB, or Better Business Bureau.

53. Know why you want to consolidate your debt. Is it because someone recommended it? Did you see a commercial on tv? It’s important to know your motivation, because debt consolidation is something that takes a great deal of responsibility. If you cannot come up with compelling reasons that you need to take this course of action, think again.

54. Know what your position is on collateral before applying for a debt consolidation loan. If you don’t have collateral of sufficient worth, the terms for your loan will not be as favorable. Without sacrificing your home, tally up your assets until you reach a number that satisfies the criteria for collateral and take it from there.

55. Consider asking your family for a debt consolidation loan. If you are reliable and have a family with means, this can be the cheapest route to debt consolidation. They pay off the debt, and you pay them at an interest rate that is more favorable then a bank would offer in a savings plan. It can be a big win for all involved.

56. Pay off your smallest loans first. Then concentrate on large amounts. Using this technique allows you to quickly get some small bills paid off. Then, you can use the money that you had been paying towards those small bills to help pay off larger loans. This technique works well when you are saddled by a lot of small credit card balances.

57. Always call your state’s consumer protection agency before signing anything with a debt consolidation agency. Make sure the agency is properly registered, has a valid license and no complaints filed. You should not work with a professional who is about to lose their license because of complaints filed by consumers.

58. If you have student loans that are from federal programs, consider consolidating them only after your grace period on those loans has ended. If you consolidation sooner, you can lose your grace period, making it necessary for you to start repayment immediately. Timing is everything with federal loans, so make sure you understand the terms of your original agreement before signing on for consolidation.

59. Ask how the debt consolidation counselors are paid. A reputable credit counselor is paid a salary; however, there are many companies that pay through commission. This type of pay should be avoided because the counselors may be swayed by the amount of commission they will make off of your debt consolidation.

60. Before using a debt consolidation program, find out whether or not they offer individualized payment programs. Everyone has a different ability to pay and companies who don’t offer customization may not be right for you. For best results, choose a consolidation company that offers custom tailored payment programs. These companies generally are a little more expensive up front; however, you will save money throughout the length of your debt consolidation.

61. Debt consolidation isn’t necessarily your best bet if you are middle aged. Remember that the smaller payments will be carried on well into the future, so when you are 50 and you take on a 20-year line of credit, you may be forced to retire while still paying off your debts.

62. Find out where the debt consolidation company is located. Depending on which state they are in, the licensing rules could be different than in your own state. For example, Maryland does not require its debt consolidation companies to receive licensing. In that instance, you may want to choose another company.

63. Remember, the debt consolidation company you sign up with will set the stage for your entire financial future. It is not a decision you should take lightly. Give yourself time to think things over before you sign with anyone. Even if you feel pressured by your creditors, keep in mind that a few days one way or another should not make much of a difference.

64. If you are dealing with Chapter 13 bankruptcy, debt consolidation can help you retain your property. If you are able to get your debts paid off within the 3 to 5 year period, you will be able to keep your personal and real property. It is even possible to get interest charges eliminated while you are in this process.

100 Debt Consolidation Tips

65. Before restructuring your financial situation with a debt consolidation loan, get a copy of your credit report. Analyze your habits and see where you stand with the major credit bureaus. Doing this will help you figure out what you have been doing wrong and what habits you need to change going forward.

66. Try using a debt consolidation service to pay down your debt. When you look for one, make sure they aren’t charging high fees. You can check with a local consumer protection agency like your local BBB. You may have to make sacrifices via using extra lines of credit and harming your credit rating, but they can help get your debt paid off. They generally require a single monthly payment.

67. If you own a home or land and have built up equity, you may qualify to take out a line of credit or home equity loan. These loans allow you to borrow against the equity of your home giving you instant access to cash to pay off your outstanding debts.

68. Figure out whether you will be able to afford thte debt consolidation payment every month. Now, if you have been having money problems, you do not have a lot of extra money. You need to make sure you are going to be able to come up will the payments you need every month in order for debt consolidation to work.

69. Find out whether your creditors will accept lower rates through debt consolidation. It’s not a great idea to think you’re all set with debt consolidation and discover that the main creditors which caused you to do this will not accept the terms. Ask the debt consolidation company and the creditor to make sure.

70. Make sure that the money you pay through the company, to your creditors, actually goes to them. In the case of agencies that are not on the up and up, occasionally some of that money will go toward their random “fees” instead of to your creditors. This is obviously a situation you want to avoid.

71. Before deciding to go through debt consolidation, get a credit report. A credit report will allow you to see where you need to concentrate your efforts. A credit report allows you to see how much you owe and what creditors you owe money to. Additionally, many credit reports also show the interest rate of each loan.

72. Pay off your smallest loans first. Then concentrate on large amounts. Using this technique allows you to quickly get some small bills paid off. Then, you can use the money that you had been paying towards those small bills to help pay off larger loans. This technique works well when you are saddled by a lot of small credit card balances.

73. Find out whether a company pays its counselors by commission. This is tremendously important for you, since a counselor working on commission may not have your best interests at heart. Make sure you avoid commission-paying companies, and instead opt for those that treat their employees well and pay them a salary.

74. You cannot use debt consolidation as a quick fix for money issues. Debt will always pose a problem if your spending habits aren’t curbed. After taking out a debt consolidation loan that is reasonable, adjust your financial behavior accordingly to make the necessary changes to improve your overall situation.

75.Take advantage of zero percent credit card offers by transferring higher rate balances onto them. Even though there will likely be a 4 or 5 percent transfer fee, the total amount will be less than the interest rate you would pay on your current balance on the higher rate credit cards.

76. Can their fees be explained properly and understood? If the debt consolidation company’s fees are complicated and not easily understood, then there is a reason for this. Do not fall prey to one of these companies, but instead find a service that is going to upfront and make things easier for you.

77. Consider contacting a consumer credit counselor before signing the dotted line on a debt consolidation loan. Many people reach for the loan too quickly and fail to think it through. A good credit counselor will show you how you got into the debt and the best ways of dealing with it, which may or may not be with a debt consolidation loan.

78. Consider using a non-profit credit counseling agency before using debt consolidation. They help you negotiate with your creditors to get lower interest rates and reduce your debt. This can lower your monthly payments without extending the length of time you have to pay them off for, which is a huge benefit over a consolidation loan.

79. Keep a written log of each conversation you have with your creditors. In the log write down the date, time and person you spoke with. Also, include any information discussed. Always let whomever you are speaking to know that you are keeping a written log of the conversation. This will help ensure that they will not honor their offers.

80. Keep in mind that any missed payments will be reflected in your credit rating, and this will affect how good of a rate you will be able to get on a debt consolidation loan. Continue paying all debts each month in order to ensure advantageous interest rates.

81. Consider all your options before deciding on a debt consolidation plan. Sometimes you can do this work on your own, negotiating with your creditors, for free. Explain to your creditor your situation and that you wish to remain in good standing; they may consider lowering your interest rate or payments.

100 Debt Consolidation Tips

82. Following debt consolidation, budgeting your money wisely will help you keep future debt to a minimum. Most people get in over their heads by over spending with credit cards, so learn to work with money you have rather than borrowing. Doing this will also make it easier to pay off your debt consolidation loans and improve your credit score.

83. To help you consolidate your debts consider borrowing against your 401k plan. Many employers allow employees to take a loan out against their retirement plans. One of the benefits to this is that you pay the money back to yourself. The interest rates are generally very low and the interest paid also goes back into your account.

84. Try paying your debt off with a credit card. Apply for a credit card with no interests and use it to make payments to your creditors. Pay the minimum amount on your credit card once a month. This is a good way to buy more time to pay your debt off.

85. Calling creditors can help to lower monthly payments. In general, creditors are often willing to be flexible. Call and speak with your credit card company if you’re not able to afford your payment. The companies are usually willing to work with you.

86. Try to refinance your home and take that cash out at closing. This can assist you with paying down your high-interest debt with ease, and may be tax deductible. It can save you money and lower monthly payments. Make sure that there isn’t a possibility of missing any payments since foreclosure is a possibility due to transferring too much unsecured debt to secured debt.

87. It is very important to select a debt consolidation agency with a good reputation. Do plenty of background research and contact your Better Business Bureau to make sure the professionals you are interested in are reliable and properly licensed. Do not hire a debt consolidation specialist who has some complaints pending against them.

88. When looking for debt consolidation services, you don’t need to pick those that have giant or constant advertisements. Just because their advertising budget is large doesn’t mean that they’re a great company. You should probably avoid those companies that email you all of a sudden, too. The good companies usually rely on past clients referrals, so they don’t generally need to use flashy, persistent, or spammy advertisements.

89. After you’ve consolidated your debt, consider what credit cards you don’t need. Remember what got you here in the first place. Do you need all of that credit? Do you feel the itch to use it? Don’t fall back into bad habits. Get rid of any cards that are unnecessary.

90. When speaking with a debt consolidation counselor, ask what training they have in the debt consolidation field. The best debt consolidation companies are certified by outside organizations, such as the NFCC. By ensuring your credit counselor is certified, you can rest assured that they are well versed on your local and federal laws.

91. Ask how the debt consolidation counselors are paid. A reputable credit counselor is paid a salary; however, there are many companies that pay through commission. This type of pay should be avoided because the counselors may be swayed by the amount of commission they will make off of your debt consolidation.

92. It is important that you do some math before you decide if debt consolidation is for you. You need to understand if the total interest you are paying now is higher or lower than what you are offered on your consolidation loan. Figure out what all of your debts are, calculate the percent of the overall debt each one makes up, and then multiply their interest rate by that percent. Then, add all of the numbers together and see if it is less than what you are being offered.

93. When consolidating your debt, it is extremely important to find a reputable, respected debt consolidation company. Before hiring a debt consolidation company, consider how long the company has been in business, the company’s perceived reputation and the amount of money that the company charges in fees. Shop around to find a debt consolidation company that meets your needs.

94. Find out what type of educational materials or workshops the debt consolidation company has available. Are they offered at no cost to you? Are the materials found on the Internet or will they be shipped to your house? A debt management plan should not be your only option, and if a company claims it is, work with someone else.

95. Be ready to change your financial habits once you’ve made decisions to go with a debt consolidation plan. You’ve got to pair up better spending habit with the consolidation for there to be lasting good in this scenario. Otherwise, all you’ll have is more debt than you did before, and that’s never good.

96. Prior to consolidating debts, make financial goals for the future. If you want to pay down your debt over time, you might not need a debt consolidation company. Debt consolidation is a great option if you are in a hurry to rid yourself of debt.

97. Don’t let a lender pull your creditor report until you’ve come to an agreement. There isn’t a reason to get a note on the report because someone tried to access it when you’re not even going to work with them. Be sure to make this clear as you talk to the lender so they know you are serious.

100 Debt Consolidation Tips

98. Use bankruptcy as a negotiation tool. Creditors would rather get some of their money back than get nothing at all. Let them know that if your debt cannot be reduced, you will probably be forced to file bankruptcy. This can spur the creditor to resort to a more satisfactory compromise that reduces the debt owed.

99. Find out whether a debt consolidation company is a “home equity loan” provider in disguise. Some debt consolidation companies really just want you to take out a home equity loan. Don’t let this be you. After all, your home is the most important thing you have. If you find out a company wants you to take out a loan on your home, move on.

100. When assessing prospective debt consolidation companies, it is absolutely essential do your research and read a large number of consumer reviews of the specific firm. Doing this helps you make the best decision about moving forward and becoming debt free.

How We Got Out of Bad Debt [2nd Edition]

How We Got Out of Bad Debt [2nd Edition]

Binding Audio CD
EAN 0855452003044
Feature 2nd Edition
Product Group Music
Product Type Name MUSIC_POPULAR
Title How We Got Out of Bad Debt [2nd Edition]
UPC 855452003044

 

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100 Car Shopping Tips

100 Car Shopping Tips

 

English: Honda dealership. West Swindon The st...

100 Car Shopping Tips – Buying a car is not for the faint of heart – it can cause you to break out in a sweat at the salesman runs his pitch on you. Don’t worry! The tips in this article will ensure you’re prepared for the battle which lies ahead, allowing you to get the bargain you deserve.

 

1. Ask the car dealer to show you a vehicle history report. This can tell you if the vehicle has been in an accident or if it has been recalled. It can also show you what repairs have been done and when they were done so that you know exactly what you are buying.

Buying a Car For Dummies

2. Prior to even stepping foot in a dealership, you need to know what kind of car you want. If you have kids, maybe you should be looking for a van or large SUV. If it is just you, maybe you want something more sportier. Either way, knowing what you want will make the whole process of shopping for a car easier.

 

100 Car Shopping Tips

 

3. You should be ready with financing before going to look for a car. Credit unions and banks are good options. You will get a much better interest rate by doing this.

4. Before signing any contract take the time to read every line, including the fine print. If there is anything listed that you do not understand, do not sign until you get an answer that you understand. Unsavory salesmen can use a contract to insert many fees that were not discussed.

5. Research the value of your trade-in. Not only do you need to research the best price for the new car you would like to purchase, but you also need to know how much your trade-in is worth. Do your homework and find out the retail and wholesale values of your trade-in. Aim to get the retail value from the dealer.

6. If you are shopping for a new car, you might want to leave your kids at home. They might have a good time going on a test drive or two, but they will usually end up being bored. This will make it difficult to focus on the task at hand and could possibly end up costing you money.

7. Every month a salesman usually has a quota to reach. Use this fact to your advantage by shopping for a car toward the end of the month. If a salesperson hasn’t reached their quota for the month, they will be more likely to give you a better deal to help ensure a purchase. Do not let this opportunity to get a great deal slip through the cracks.

8. Bring a spare set of keys with you to the dealership. When they ask for the keys to your trade in, give them the spare. Some dealerships will use your car keys to hold you hostage if a deal is not made. You want to avoid this, so make sure you have the ability to walk out of the dealership at any time without having to ask for your keys.

9. If you cannot find the exact car that you want, ask your dealership if they can order it for you. Most domestic cars can be custom ordered with the exact upgrades and options that you want. Even used cars are often easy for car dealerships to find and have shipped to their location. You will have to wait a bit longer for this option, but it might be worth it if you have your heart set on something specific.

10. Always be leery of any used car dealers on the side of the road. These dealers almost always have a less than reputable reputation. The cars they sell could have flood damage, need major repairs, and are sold without warranty. Once you drive that car off the lot, any problems the car has are now your problem.

11. When looking to buy a new or used vehicle, make sure that you never elude to the fact of how much money you have on your person. You only want to talk about what you think you should put down in regards to the terms and price of the vehicle being discussed.

12. Check out car prices online, both in your city and in nearby cities. This will give you the best possible deal, which could save a lot of money. Pricing trends online can give you a great idea as to find the best location to buy your car.

13. When you are looking for a used vehicle, you should avoid any cars with high mileage. People will tell you that they drove on the highway or that they drove responsibly, but you really don’t know. Even if you like the car, avoid buying it if the mileage is too high.

14. Make sure you know what you are signing. Later on, you may be hit with fees you weren’t expecting, but were spelled out in the contract. By the time you start signing papers you are ready to be out on the road, but take the time to read the paperwork that you are signing before you leave.

15. Before going to dealer, have a budget set. Know how much you are willing to spend, and do not exceed that limit. Do this well in advance of entering the showroom. Once you are there, it is tempting to buy extras you do not need or cannot afford. Have a budget.

16. Know what your budget is before you start shopping for a car. This way, you can avoid any letdown when you find a car that you like but cannot afford. Do not spend anything more than 20 percent of your income on all the household vehicles, including the cost of insurance.

17. Always ask the seller if they are willing to let you do a test drive. While some private sellers may not offer you the chance to do a test drive, there are many that will. You should try to do your deal with someone who will allow you to see how the car runs.

18. Have a clear understanding of what those upgrades will cost you. Purchasing the fancy stereo, leather seats and DVD player might be appealing, but those options can add a significant amount to the price of your car. Take some time to think about how much you really need the upgrades, and only purchase the ones you will use the most.

19. Learn about the true market value of the car before making an offer. Oftentimes, dealers will have the car marked up a certain percent over the value so they have some wiggle room. If you know the market value, you can better haggle with them about the price you will pay out the door.

20. Before you set foot into a dealership, do some research online. Check nearby dealership’s websites and record their listed price on the vehicle you want, as well as any special deals they might be offering. Having this information at your disposal will be a valuable asset when it comes time to negotiate with a salesman.

21. When sitting at the bargaining table, take the time to negotiate the price of the car before talking about your trade-in. Doing this will help you get the best price on both vehicles. To do this effectively do not discuss trade-ins until after you have settled on a price of the new vehicle.

22. If you are shopping for a car, spend some time at the dealer. You don’t want to feel like you’re rushed and commit to a deal you’re not comfortable with. Therefore, you should set aside a full afternoon to do your car shopping. If something comes up that you need to attend to, don’t hesitate to leave and return later.

23. Shopping for a new car can seem complicated when it comes to pricing. Take your iPad or phone with you to the dealer. You can search the Internet and find car payment calculators that will let you know what your payment is going to be without having to rely on the dealer.

24. Due diligence should be exercised when planning your car budget. It is imperative that you take a full and realistic look at your budget. Not only must you consider a car payment, you must also consider insurance, gas and maintenance for the vehicle. There is nothing worse than having a vehicle that you cannot afford to drive.

 

 

100 Car Shopping Tips

25. If you aren’t concerned about getting the absolutely latest model, consider car shopping in November or December. During this time frame, dealerships will offer deals on the current models. They want to clear out their inventory to make way for shipments of the next year’s models. This means that you will be offered more incentives, lower sticker prices, and more room to negotiate!

26. Look online for incentives on the car you want. Many automotive manufacturers offer cash back or special financing on their vehicles. The dealership will not always tell you about these things up front. Take some time to educate yourself first so you can get the best deal once you are in the showroom.

27. Understand that introductory terms are just that, introductory. Therefore, know what to expect afterwards, and assess your budget to make sure that it accommodates it nicely. If you don’t, you could find yourself getting duped by one of the oldest tricks in the book. Don’t let that happen to you!

28. If you have flexibility, try to wait for a promotion with low interest. If you are really patient, you may even be able to find zero interest periods. This will make the total price you pay for your car be significantly less than you planed to pay. Keep an eye out for local dealerships running this.

29. Do proper research before visiting a dealership. Compare automobiles using websites and consumer magazines so you can choose a suitable vehicle. You can also use these tools to find out about features packages and options, and how much each one might cost. This will save you time and money when you get to the dealership and start looking at cars.

30. One of the most helpful tips when buying a car is to avoid buying on emotion. If you come across a car you fall in love with, take the time to do your research and look for different availability options to get you the best value. You should already have an idea of what to pay before entering the dealership.

31. When you want to test drive a car being sold by an individual rather than a company, be certain that the vehicle currently has car insurance by asking to see the insurance card. A legitimate seller should not have terminated car insurance on a vehicle that he is selling because anticipating that potential buyers will want to test drive the car is part of a sensible car sale transaction.

32. A little flexibility goes a long way when looking for a new or used vehicle. The most well-known names in the industry offer a number of models to meet your needs. For instance, most major car makers have a small or compact model on offer. Doing just a token amount of comparison shopping and research will tell you the best priced models with the optimal package of features.

33.Go to different dealerships before settling on one. A different dealership might be able to get you a better price on the car you want, and may be running different promotions. Try three or four in your area, and even if you have to travel a bit farther, it may be worth it.

34. If you are trading in an automobile, visit your local library and find out the value of your car. You can also look this information up online in several different locations. By having the trade-in value of your car and the retail value of your car you can negotiate better.

35. Do not allow yourself to buy the first car that you see, even if it seems like it would be perfect for you. There are so many vehicles out there for sale that buying the first one may cause you to lose out on making a much better deal on a car you may like a bit more.

Watch out for the up sells in the financing office. When you reach the financing office, you will always be offered an extended warranty, interior protection, gap insurance and other such add ons. Make sure that you understand these well before making a decision to purchase them. Most are not worth the money you will spend, and you’re better off saving each month in the event that you need a repair or your interior gets a stain.

37. Never leave your car with the dealership overnight. Many dealerships will offer you the opportunity to take the car that you are considering home in order to test drive it longer. While this is certainly appealing, it essentially means they are given the opportunity to hold the car you own hostage. This makes it more difficult to walk away from a bad deal, and it is not to your advantage.

38. When buying a used car, be very careful about how clean the car is. Many car salespeople have professional cleaners who can make a piece of junk look brand new. Always get the car checked by a mechanic. Even if it looks fantastic, a mechanic will be able to spot any major issues.

39. If you know you are easily convinced by salespeople, you should not go shopping for a new car by yourself. Have a friend or family member go with you to assist in asking the important questions and negotiating a price. Before going, let them know what you expect to pay and what you are looking for.

40. Before you go in to look at a new car, make sure you have thoroughly researched the proper trade in value of your current car. In fact, why not try to sell it yourself first before you buy. Either way, you will get more from your vehicle if you know what it is really worth.

41. Make a wish list of cars that you are interested in. You have seen many cars in advertisements and on the road. It should be easy for you to build a solid list of vehicles that would suit your style. You can add a couple of dream cars that seem out of your range; however, be realistic about what you can afford.

42. Look online for incentives on the car you want. Many automotive manufacturers offer cash back or special financing on their vehicles. The dealership will not always tell you about these things up front. Take some time to educate yourself first so you can get the best deal once you are in the showroom.

43. Be firm in what extras you want. Almost every salesperson is going to at least attempt to “upsell” you in an effort to get a bigger sale. Don’t let them pressure you into the next model up or features you don’t need. If they claim not to have the model you are looking for in stock, only the “better” one, ask if they can locate one at another dealer.

44. Whenever shopping for a used car, it would be wise to stick with certified pre-owned vehicles as this greatly reduces the likelihood that you’ll end up with a car that is in poor condition. Just make sure that the certification if offered by the car manufacturer rather than the dealer.

100 Car Shopping Tips

45. If you’re worried about your credit score, you can check your credit report before you go to the dealership. It’s free to check your credit report once a year, so take advantage of that. By knowing your credit before you go to the dealership, you’ll be able to determine if you’d be able to qualify for any low interest financing offers.

46. Find out about dealers before choosing one. Start by asking your trusted friends, family, and neighbors about their positive and negative experiences with car dealers in the area. Furthermore, look up the dealers online at the Better Business Bureau website. Watch for any red flags about misleading or unfair business practices.

47. Watch out for dealership advertising fees. These are often tacked on to new car purchases, and you should not have to pay them. Car dealerships have to advertise as part of doing business, and many shoppers who challenge this fee will win. If your salesman will not remove this fee, ask to speak with a manager.

48. Consider skipping the dealership entirely. An auto broker will work with multiple dealerships to find you the best deal on the car you want. You can usually find these online, and the dealerships will pay the fees for their use. This is a good way to comparison shop without having to visit multiple dealerships.

49. Don’t forget to look into the cost of parts for a vehicle before you buy it. Some cars, especially imports, cost significantly more to maintain than others. Investigate the cost of parts that wear out frequently, such as tires, brakes, and windshield wiper blades. Research the cost of alternators, spark plugs, and other engine components, too.

50. Learn about the true market value of the car before making an offer. Oftentimes, dealers will have the car marked up a certain percent over the value so they have some wiggle room. If you know the market value, you can better haggle with them about the price you will pay out the door.

 

Car Buyer’s and Leaser’s Negotiating Bible, Third Edition (Car Buyer’s & Leaser’s Negotiating Bible)

 

51. When shopping for a car, bring someone along. They will help you stay grounded about the offers and also help you find any problems in the car. And if you are going to share your car with your spouse, you should definitely go together.

52. Shopping for a new car can seem complicated when it comes to pricing. Take your iPad or phone with you to the dealer. You can search the Internet and find car payment calculators that will let you know what your payment is going to be without having to rely on the dealer.

53. Never settle for the price that’s set for the car when you’re shopping for one. You must be a great negotiator and try to knock a little off the price. Every car dealership knows that they’re going to have to negotiate anyway, so they make the car seem like it costs more than they’d settle for.

54. Do not mention your trade-in right away. You should never tell the dealer about your trade-in without first ensuring you have secured the lowest possible price for your new vehicle. When you let them know up front, they’ll alter their offers based on that fact.

55. Speak with the car dealer about his return policy. You may even want to get the policy in writing. Even if you have test driven the car and everything seems fine, you never know what could happen later that day or week. It’s important that you know what the dealer’s policy is on returning it in case something should happen.

56. Watch out for dealership advertising fees. These are often tacked on to new car purchases, and you should not have to pay them. Car dealerships have to advertise as part of doing business, and many shoppers who challenge this fee will win. If your salesman will not remove this fee, ask to speak with a manager.

57. Financing is often more affordable when you get it from an institution other than the dealership themselves. The rates they offer aren’t great, but they’re sometimes open to lending you money when your credit is bad, unlike a bank. Check out all of your financing options and find out how much you’ll be approved for before you approach the lot.

58. While the dealership that you buy your vehicle through will offer financing, check into your options. Get a loan quote from your bank or a credit union. Oftentimes, they will offer better rates than the dealership. This will allow you to bring those quote to the dealership’s financial officer and negotiate a lower rate.

100 Car Shopping Tips

59. Do not try negotiating unless you see the car that you want is available. He might tell you that he can get it in for you, but you do not know if it will be the exact one you want. You do not want to waste your time negotiating for a car that you do not really want.

60. When choosing a dealership, it’s always good to research the service department. Try asking around to find out what others think of their service. Call the department and ask for assistance on something that you already know so that you can test them. Select a dealership with smart sales and service staff who are happy to assist.

61. Don’t agree to a dealer’s sales discount on a vehicle based on YOUR beliefs of what your car is worth; rather, do your research. You will have a better idea of the price to pay for a new car.

62. Do you want to buy new or used? There are certain situations that might make it better for you to buy new, but if your budget does not allow for it, there are great used deals as well. Learn about warranties and rebates on both new and used before you begin shopping.

63. Talk with an insurance company and have them on standby for your purchase. You can’t drive an uninsured car off the lot and you do not want the insurance that the dealerships offer. Instead, when they propose their insurance, simply hand them your provider’s card and ask them to call.

64. If you think, you will have your car for a while, pay a little more to get a few more options. In the long run, it will benefit you to have what you want. If you don’t, you may add on later and pay even more money. For example, getting a navigation system included will generally cost you less than picking one up in the future.

65. If you are shopping for a family car, test out the features that are important to a family. Try out your car seat in the car and make sure you can sit comfortably. Put the stroller in the trunk to make sure it fits. Moreover, check the ease of unlocking and opening the doors with your hands full of car seats, diaper bags, kids, etc.

66. Visit your local bank and get pre-approved for a car loan. This one step cannot only save you a lot of time at dealership, but it will also save you money most of the time. By getting a loan at your bank, you can negotiate your interest rate more effectively; thus, lowering your overall payment.

67. Do not make the mistake of focusing on only the monthly payment amount when you are car shopping. This can cause you to buy a more expensive car than you can really afford. You need to focus on the total cost of the vehicle itself and whether that is a good deal.

68. If you buy a vehicle from an individual, make sure that you have it checked out by a mechanic first. If the owners won’t allow this, that should be considered a red flag. The car you are looking at might need some new parts or might even have been in a wreck. You should not buy it without knowing more.

69. Think ahead when you are planning on making a car purchase. Do not make the mistake of buying a car without thinking about whether it would be practical for future use. Buying a sports car will not make much sense if you are planning to have a family anytime in the near future.

70. Do your research before you even step foot on a car lot. You want to have an educated position when it comes to such a large purchase. It is a good idea to know what models you are interested in, and what the fair price is for those specific cars.

 

EZ Legal SW1146 Car Buying Made E-Z

 

71. Search for your new car online before you ever visit a dealership. Searching online allows you to look at inventory from multiple dealerships, and it makes you privy to information about online only pricing. This is a great way to comparison shop and really make sure you are getting the best deal.

72. Before buying a car, consider the cost of insurance. If you are financing the car, you will probably need comprehensive coverage, in addition to liability protection. Some cars cost significantly more to insure than others. Avoid any surprises by asking your insurance company for a quote before you sign any paperwork.

73. Watch out for the car salesman who offers you a price on a car before he visits his sales manager. The salesman will tell you anything you want to hear, but only the manager can approve the deal. Ask to speak to the manager face to face and see the deal on paper before committing to purchase the car.

74. Never turn over your trade-in keys to the salesperson before the deal is finalized. Some pushy salespeople will hang onto them in an effort to pressure you into hearing them out, even after you have turned down a deal. Keep the keys in your possession and only hand them over when the deal is done.

75. Only use reviews on the internet as a general guide. A lot of people when they have problems with a car will post negative reviews on the internet. So look at all the reviews for common problems as opposed to a general ranking. If there is a problem with a major component, then probably find a different vehicle.

76. Consider shopping for your new car towards the last week of the month. At the end of the month, dealership salesmen are usually trying to fill unmet quotas. Toward the month’s end, salespeople may be behind in their quotas, and this could be a great time for you to get a good deal.

77. Once you know how much you have to spend, find out about the cars within that range. Learn about the car itself, its miles per gallon, number of doors, trunk space, driver’s reviews, safety record and how frequently it needs repairs on average. Assign each a rating and go for those at the top of the list.

78. Find out the vehicle’s mileage before you agree to purchase it. Even if you know a particular car should get a certain gas mileage, be sure that it still does. A car can lose its efficiency overtime, which can mean a large expense in getting to the places you need to go.

79. You are a female shopping for a car, never agree to work with a salesman who treats you in a condescending way. Some salesmen will try to take advantage of female shoppers and offer them unfair prices or financing terms. This is not what your car-buying experience should be like. If it is, visit a different dealership.

80. Investigate cash rebates and discounts you are eligible for. Sometimes, there are discounts for veterans and students, for example. There are all kinds of discounts and rebates that are often run. Do a little research and find out if you qualify for any of the special deals that are available. That could save you some money on your car.

81. A dealer with a great reputation may offer you a better deal than one which advertises great prices. You may find that a dealer who people like to buy from offers perks which aren’t available elsewhere, including reduced pressure sales tactics and lower overall price due to freebies thrown in to the sale.

82. If you are looking at a model that has just been released, don’t pull the trigger too soon. If you wait for awhile for that brand new car, you can save some money. Give it a while so that all the hype can die down later.

When you are going to buy a car, you need to know ahead of time which features are essential for you in the car. Have a clear picture of what you want, so you can search for the right price as well as the right car for your needs.

83. Do not get your heart set on a particular model of car when you are car shopping. You need to leave your options open so that you can get the best deal possible. The exact car you have decided you want may not be the best available option at the time you are ready to buy.

84. Talk to friends and family about what they have heard. Do they enjoy their cars? Do they regret their purchase? Have they heard anything about other cars that are on the market? Always look for information before going to the dealerships.

85. Consider selling your car privately, rather than trading it in for the new car you want. You will almost always get more for your car through a private sale than you would through a trade in. Even if the dealership makes it sound like they are giving you a great trade in value, they will likely raise the price somewhere else to make up for the difference.

86. Be aggressive and assertive. You will inevitably end up negotiating the price of your vehicle, so don’t be afraid to push a little. Be prepared to walk away from the dealership if you aren’t making progress. Leave the offer alone for a day or two, and then contact the salesman again. If they know that you are willing to walk away, they will be more likely to accept your offer or to counter-offer with a more reasonable price.

87. Take an extended test drive. Don’t just take it for a quick spin through the neighborhood by yourself. Instead, enlist everyone who will be regularly riding in the car to share their opinions. Ask the dealer for a full afternoon test drive so that you have the chance to take it on the freeway to check things like the pickup and the blind spots, and spend some time really feeling the comfort of the interior.

88. When you are considering buying a used car, always have your mechanic check it out first. You are not a qualified mechanic trained to spot problems or repairs, so you need to take it to a professional. Be prepared to pay $100 or so for this service, but it may end up saving you thousands.

89. Do not lock yourself into purchasing from a dealership. You can go to smaller lots or buy from private owners and get some really good deals. So before heading out to a lot, go pick up some classifieds, read up on Craigslist, and check other venues to see if you can find a good deal.

90. Before going car shopping, clean all personal items out of your car. Doing this one thing will save you considerable time at the dealership. This will also ensure that you do not leave behind important documents such as insurance papers. Nothing is worse than getting home and realizing the you left something in the car you just traded in.

91. You need to know what you can spend before doing it. This number should be based on how much you are willing to spend as well as market research on the general value of the car model that you are looking at buying.

While you may want to buy a car today, buying off the lot may mean that they don’t have a car with the features you desire. You can always ask them to call affiliated dealerships to see if they have the car on the lot, but don’t sound desperate or they’ll raise the price.

92. To ensure that your car shopping process yield the best possible selection for you and your family; think carefully about your driving and lifestyle habits. Deliberately considering the sort of use the vehicle is likely to get will help you choose the right one. Failure to keep factors such as fuel-efficiency or hauling capacity in mind while shopping can cause you to purchase something that ends up being impractical for your daily requirements.

93. Once you have identified a prospective vehicle, make sure you give it a thorough inspection. Look over the body of the car for any imperfections. When it comes to the interior, check for carpet stains or upholstery tears. You are stuck with this car once you buy it. That means the stains, flaws and dings as well.

94. Look at car prices online, in nearby cities and your city. Search other states and places near you, you might find a deal that is out of this world. Researching price trends online can give you information about which city will offer the lowest price.

95. Look into all of the fine print on your financing papers. Just because your monthly payment is lower does not mean that you are getting the car for less. It could just be a way to get you to buy the car for the original price so the salesman can keep the entire amount of commission that he set out to earn.

96. Never buy a car without test driving it first. That even includes brand new cars and trucks. Not only do you want to make sure the car is mechanically sound, you also want to see how the car fits you. Decide if the car “feels” right. Some cars are not designed for taller people, for instance.

97. Most salesmen will have monthly goals or quotas to make. Keep this in mind, and try to head out at the end of each month. If a salesperson hasn’t reached their quota for the month, they will be more likely to give you a better deal to help ensure a purchase. That gives you some room to wiggle about in your negotiations.

98. When buying a compact or subcompact car, make sure that it has enough room for each person who will drive it. The car may be your daily driver, but it may not have enough leg room for others in your household. If there is a chance that someone else will drive the car occasionally, bring them along while shopping.

Go to auto shows to learn more about different makes of car. At a car show, you can make detailed comparisons of multiple manufacturers’ offerings in a single location. It also provides you with the opportunity to speak with a number of well-versed people in one setting. You’ll be able to leave the show with a much better idea of what you are looking for.

99. Never visit a dealership until you have a clear idea of how much you can pay. This price should reflect the amount that you would not mind paying and also what the fair price is on the market for that particular make and model.

100. It is a good idea to do plenty of research on cars before you ever go to a dealership. The more you know about a particular model, the better you can judge whether it is right for you. There are many online resources that let you compare different brands and models.

 

Don’t Get Taken Every Time: The Ultimate Guide to Buying or Leasing a Car, in the Showroom or on the Internet

Don't Get Taken Every Time: The Ultimate Guide to Buying or Leasing a Car, in the Showroom or on the Internet

Author Remar Sutton
Binding Paperback
EAN 9780143038887
Edition Revised
ISBN 0143038885
Is Eligible For Trade In 1
Label Penguin Books
List Price $15.00
Manufacturer Penguin Books
MPN 9780143038887
Number Of Items 1
Number Of Pages 496
Part Number 9780143038887
Product Group Book
Product Type Name ABIS_BOOK
Publication Date 2007-07-31
Publisher Penguin Books
Release Date 2007-07-31
Studio Penguin Books
Title Don't Get Taken Every Time: The Ultimate Guide to Buying or Leasing a Car, in the Showroom or on the Internet

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100 Student Loan Tips

100 Student Loan Tips

 

100 Student Loan Tips

 100 Student Loan Tips – While there is no doubt that student loans can help you achieve a college education, they can also be disastrous. Knowing everything you can find out concerning student loans is needed prior to signing for them. Read on to learn more about student loans.

1. Know the specifics about your loan. You need to stay on top of your balances, your lenders and the repayment status in which you find yourself at any given time. These details affect your repayment options. You have to have this information if you want to create a good budget.

2. If you are moving or your number has changed, make sure that you give all of your information to the lender. Interest begins to accrue on your loan for every day that your payment is late. This is something that may happen if you are not receiving calls or statements each month.

Student Loan Secrets: “They” Don’t Want You To Know About

3. If you choose to pay off your student loans faster than scheduled, make sure that your extra amount is actually being applied to the principal. Many lenders will assume extra amounts are just to be applied to future payments. Contact them to make sure that the actual principal is being reduced so that you accrue less interest over time.

4. Pay your loans off using a two-step process. Always pay the minimum balance due. After this, you will want to pay anything additional to the loan with the highest interest. That will save you money.

5. Learn the requirements of private loans. You should know that private loans require credit checks. If you don’t have credit, you need a cosigner. They must have good credit and a good credit history. Your interest rates and terms will be better if your cosigner has a great credit score and history.

6. To minimize your student loan debt, start out by applying for grants and stipends that connect to on-campus work. Those funds do not ever have to be paid back, and they never accrue interest. If you get too much debt, you will be handcuffed by them well into your post-graduate professional career.

7. To keep the principal on your student loans as low as possible, get your books as cheaply as possible. This means buying them used or looking for online versions. In situations where professors make you buy course reading books or their own texts, look on campus message boards for available books.

8. When deciding how much money to borrow in the form of student loans, try to determine the minimum amount needed to get by for the semesters at issue. Too many students make the mistake of borrowing the maximum amount possible and living the high life while in school. By avoiding this temptation, you will have to live frugally now, but will be much better off in the years to come when you are not repaying that money.

9. If you wish to get your student loan papers read quickly, be sure that your application is filled out without errors. If you provide faulty information, processing can be delayed, and you may have to postpone starting classes.

10. The Stafford and Perkins loans are good federal loans. They are cheap and safe. This is a great deal that you may want to consider. The Perkins loan interest rate is 5%. The Stafford loans are a bit higher but, no greater than 7%.

11. PLUS loans are a type of loan option for parents and graduate students. The highest the interest rate will go is 8.5%. This is a bit higher than Perkins and Stafford loans, but the rates are better for private loans. This means that this is a suitable choice for students who are a bit older and better established.

12. Try making your student loan payments on time for some great financial perks. One major perk is that you can better your credit score. With a better credit score, you can get qualified for new credit. You will also have a better opportunity to get lower interest rates on your current student loans.

13. Make sure you stay current with all news related to student loans if you currently have student loans. Doing this is just as important as paying them. Any changes that are made to loan payments will affect you. Keep up with the latest student loan information on websites like Student Loan Borrower Assistance and Project On Student Debt.

14. To get a better interest rate on your student loan, go through the federal government instead of a bank. The rates will be lower, and the repayment terms can also be more flexible. That way, if you don’t have a job right after graduation, you can negotiate a more flexible schedule.

15. Do not be overcome with concern if your student loan balance seems insurmountable. This may seem overwhelming; however, you can gradually pay it back. If you stay on top of it, you can make a dent in your debt.

16. Initially try to pay off the most expensive loans that you can. This is important, as you do not want to face a high interest payment, which will be affected the most by the largest loan. When you pay off the largest loan, focus on the next highest for the best results.

17. Always keep your lender aware of your current address and phone number. That may mean having to send them a notification and then following up with a phone call to ensure that they have your current information on file. You may miss out on important notifications if they cannot contact you.

18. Try to reduce your costs by taking dual credit classes and using advanced placement. These classes can count as college credits, which will allow you to pay for less hours of college.

100 Student Loan Tips

19. Don’t overlook private financing for your college years. Public student finances are popular, but there are also a lot of others seeking them. Private loans are not in as much demand, so there are funds available. Investigate around your community for private loans; even a small one can cover room and board for a term or two.

20. Know what you’re signing when it comes to student loans. Work with your student loan adviser. Ask them about the important items before signing. These include how much the loans are, what kind of interest rates they will have, and if you those rates can be lowered. You also need to know your monthly payments, their due dates, and any additional fees.

21. The best way to pay down your student loan debt early is to focus on the loans that come with a higher interest rate. If you base your payment on which loans are the lowest or highest, there is a chance that you will end up owing more money in the end.

22. To keep your student loan debts from piling up, plan on starting to pay them back as soon as you have a job after graduation. You don’t want additional interest expense piling up, and you don’t want the public or private entities coming after you with default paperwork, which could wreck your credit.

23. If you wish to get your student loan papers read quickly, be sure that your application is filled out without errors. Incorrect and incomplete information gums up the works and causes delays to your education.

24. Make sure you stay current with all news related to student loans if you currently have student loans. Doing this is just as important as paying them. Any changes that are made to loan payments will affect you. Keep up with the latest student loan information on websites like Student Loan Borrower Assistance and Project On Student Debt.

25. To get the most out of your student loan dollars, spend your free time studying as much as possible. It is good to step out for a cup of coffee or a beer now and then, but you are in school to learn. The more you can accomplish in the classroom, the wiser the loan is as an investment.

26. To get a better interest rate on your student loan, go through the federal government instead of a bank. The rates will be lower, and the repayment terms can also be more flexible. That way, if you don’t have a job right after graduation, you can negotiate a more flexible schedule.

27. To get a larger award when applying for a graduate student loan, only use your own income and asset information instead of including your parents’ data. This lowers your income level in most cases and makes you eligible for more assistance. The more grants you can get, the less you have to borrow.

28. To maximize the use of your student loan, purchase a meal plan which is based on the meal instead of how much it costs. That way, you won’t be overpaying for extra items in the cafeteria. You will just pay a flat fee for every meal.

29. Stay in touch with the lender providing your loan. This is key because you need to have all the particulars with regard to the loan and the terms regarding its repayment. Your lender will prove to be invaluable should you need more information.

30. To make collecting your student loan as user-friendly as possible, make sure that you have notified the bursar’s office at your institution about the coming funds. If unexpected deposits show up without accompanying paperwork, there is likely to be a clerical mistake that keeps things from working smoothly for your account.

31. If you are the forgetful type and are worried that you might miss a payment or not remember it until it is past due, you should sign up for direct pay. That way your payment will be automatically deducted from your checking account each month and you can be sure you will never have a late payment.

32. Choose a loan that gives you options on repayment. private student loans are generally less forgiving and less likely to offer options. Federal loans usually have options based on your income. You can usually change the repayment plan if your circumstances change but it helps to know your options before you need to make a choice.

33. In today’s world, student loans can be quite the burden. If you find yourself having difficulty making your student loan payments, there are many options available to you. You can qualify for not only a deferment but also reduced payments under all kinds of different payment plans thanks to government modifications.

34. To get the best return on your student loans, take some classes online in addition to your brick-and-mortar classes. This convenient method of learning let’s you have more control over your own personal schedule, including employment opportunities. You can maximize the number of classes you are taking in this way.

35. Start your student loan search by looking at the safest options first. These are generally the federal loans. They are immune to your credit rating, and their interest rates don’t fluctuate. These loans also carry some borrower protection. This is in place in case of financial issues or unemployment following your graduation from college.

100 Student Loan Tips

36. Once you leave school and are on your feet you are expected to start paying back all of the loans that you received. There is a grace period for you to begin repayment of your student loan. It is different from lender to lender, so make sure that you are aware of this.

37. Learn the requirements of private loans. You should know that private loans require credit checks. If you don’t have credit, you need a cosigner. They must have good credit and a good credit history. Your interest rates and terms will be better if your cosigner has a great credit score and history.

38. Try shopping around for your private loans. If you need to borrow more, discuss this with your adviser. If a private or alternative loan is your best bet, make sure you compare items like repayment options, fees, and interest rates. Your school may recommend some lenders, but you’re not required to borrow from them.

39. Exercise caution when considering student loan consolidation. Yes, it will likely reduce the amount of each monthly payment. However, it also means you’ll be paying on your loans for many years to come. This can have an adverse impact on your credit score. As a result, you may have difficulty securing loans to purchase a home or vehicle.

40. Pay extra on your student loan payments to lower your principle balance. Your payments will be applied first to late fees, then to interest, then to principle. Clearly, you should avoid late fees by paying on time and chip away at your principle by paying extra. This will reduce your overall interest paid.

41. When you’re trying to pay off a student loan, be sure you pay them in order of interest rates. Pay off the highest interest rate loan first. Paying a little extra each month can save you thousands of dollars in the long run. Student loans are not penalized for early payoff.

42. You should try to pay off the largest loans first. The less principal you owe overall, the less interest you will end up paying. Set your target on paying down the highest balance loans first. When you pay off a big loan, apply the payment to the next biggest one. By keeping all current and paying the largest down totally first, you will more quickly rid yourself of debt.

43. Sometimes consolidating your loans is a good idea, and sometimes it isn’t When you consolidate your loans, you will only have to make one big payment a month instead of lots of little ones. You may also be able to lower your interest rate. Be certain that any loan you take out to consolidate your student loans offers you the same variety and flexibility in borrower benefits, deferments and payment options.

44. To minimize your student loan debt, start out by applying for grants and stipends that connect to on-campus work. Those funds do not ever have to be paid back, and they never accrue interest. If you get too much debt, you will be handcuffed by them well into your post-graduate professional career.

45. If you want to give yourself a head start when it comes to repaying your student loans, you should get a part-time job while you are in school. If you put this money into an interest-bearing savings account, you will have a good amount to give your lender once you complete school.

Bankrupt Your Student Loans: And Other Discharge Strategies

46. To keep your student loan debts from piling up, plan on starting to pay them back as soon as you have a job after graduation. You don’t want additional interest expense piling up, and you don’t want the public or private entities coming after you with default paperwork, which could wreck your credit.

47. Student loans that come from private entities like banks often come with a much higher interest rate than those from government sources. Remember this when applying for funding, so that you do not end up paying thousands of dollars in extra interest expenses over the course of your college career.

48. Many people, especially when returning to school later, end up having student loans with multiple companies. When you consolidate your student loans, you can lump them all together at a much lower interest rate. And, you can often get your payment lowered as well in the process. It makes things much easier.

49. To keep your student loan costs as low as possible, consider staying away from banks as much as possible. Their interest rates are higher, and their borrowing costs are also frequently higher than public funding options. This means that you have less to pay back over the life of your loan.

50. To make sure that you do not lose your student loan, read all of the fine print before you sign your contract. Some lenders require that you maintain a particular course load or keep a minimum grade point average to maintain access to the funds. Keep these items in mind when setting up your account.

51. To get the most out of your student loan dollars, consider commuting from home while you attend university. While your gasoline costs might be a bit higher, your room and board costs should be significantly lower. You won’t have as much independence as your friends, but your college will cost much less.

100 Student Loan Tips

52. Don’t be afraid to ask questions about federal loans. Not many people understand what these types of loans can offer or what their regulations and rules are. If you have any questions about these loans, contact your student loan adviser. Funds are limited, so talk to them before the application deadline.

53. If you choose to pay off your student loans faster than scheduled, make sure that your extra amount is actually being applied to the principal. Many lenders will assume extra amounts are just to be applied to future payments. Contact them to make sure that the actual principal is being reduced so that you accrue less interest over time.

54. If you want to apply for a student loan and your credit is not very good, you should seek out a federal loan. This is because these loans are not based on your credit score. These loans are also good because they offer more protection for you in the event that you become unable to pay it back right away.

55. Before applying for student loans, it is a good idea to see what other types of financial aid you are qualified for. There are many scholarships available out there and they can reduce the amount of money you have to pay for school. Once you have the amount you owe reduced, you can work on getting a student loan.

56. To use your student loan money wisely, shop at the grocery store instead of eating a lot of your meals out. Every dollar counts when you are taking out loans, and the more you can pay of your own tuition, the less interest you will have to pay back later. Saving money on lifestyle choices means smaller loans each semester.

57. To keep your student loan debts from piling up, plan on starting to pay them back as soon as you have a job after graduation. You don’t want additional interest expense piling up, and you don’t want the public or private entities coming after you with default paperwork, which could wreck your credit.

The Student Loan Scam: The Most Oppressive Debt in U.S. History and How We Can Fight Back

58. It is best to get federal student loans because they offer better interest rates. Additionally, the interest rates are fixed regardless of your credit rating or other considerations. Additionally, federal student loans have guaranteed protections built in. This is helpful in the event you become unemployed or encounter other difficulties after you graduate from college.

59. Perkins and Stafford are some of the best federal student loans. These are both safe and affordable. With these, the interest is covered by the federal government until you graduate. A typical interest rate on Perkins loans is 5 percent. On a subsidized Stafford loan, it will be a fixed rate of no larger than 6.8 percent.

60. Never sign any loan documents without reading them first. This is a big financial step and you do not want to bite off more than you can chew. You need to make sure that you understand the amount of the loan you are going to receive, the repayment options and the rate of interest.

61. To make sure that your student loan turns out to be the right idea, pursue your degree with diligence and discipline. There’s no real sense in taking out loans only to goof off and skip classes. Instead, make it a goal to get A’s and B’s in all of your classes, so you can graduate with honors.

62. If you are in a position to do so, sign up for automated student loan payments. Certain lenders offer a small discount for payments made the same time each month from your checking or saving account. This option is recommended only if you have a steady, stable income. Otherwise, you run the risk of incurring hefty overdraft fees.

63. Avoid relying totally on student loans when it comes to paying for your education. You should save money and look for grants and scholarships too. Lots of great websites exist that can give you the help you need to connect with the providers of grants or scholarships that match your credentials. Begin early to ensure that you have the necessary funds to pay for your college education.

64. To make the student loan process go as quickly as possible, make sure that you have all of your information in hand before you start filling out your paperwork. That way you don’t have to stop and go looking for some bit of information, making the process take longer. Making this decision eases the entire situation.

65. It may seem easy to get lots of money for college, but be smart and only borrow what you will need. It is a good idea not to borrow more than one your of your expected gross annual income. Be sure to take into account the fact that you will probably not earn top dollar in any field immediately after graduation.

66. When you have finished your education and are about to leave your college, remember that you must attend exit counseling for students with student loans. This is a good chance to get a clear understanding of your obligations and your rights regarding the money you have borrowed for school.

67. To keep your student loan borrowing costs to a minimum, consider working as a resident advisor during your last three years of undergraduate study. While you will be living in a dorm with freshmen, serving as the leaders of the building, you will also receive free room and board, which makes the duties somewhat less onerous.

100 Student Loan Tips

68. Think carefully when choosing your repayment terms. Most public loans might automatically assume a decade of repayments, but you might have an option of going longer. Refinancing over longer periods of time can mean lower monthly payments but a larger total spent over time due to interest. Weigh your monthly cash flow against your long-term financial picture.

69. If you were laid off or are hit with a financial emergency, don’t worry about your inability to make a payment on your student loan. Typically, most lenders will allow you to postpone your payments if you can prove you are having hardships. However, this may negatively affect your interest rate.

70. Don’t be afraid to ask questions about federal loans. Not many people understand what these types of loans can offer or what their regulations and rules are. If you have any questions about these loans, contact your student loan adviser. Funds are limited, so talk to them before the application deadline.

71. If you want to pay off student loans before they come due, work on those that carry higher interest rates. If you focus on balances instead, you might neglect how much interest you accrue over time, still costing you money.

72. If you want to apply for a student loan and your credit is not very good, you should seek out a federal loan. This is because these loans are not based on your credit score. These loans are also good because they offer more protection for you in the event that you become unable to pay it back right away.

73. When you begin repayment of your student loans, do everything within your power to pay more than the minimum amount each month. While it is true that student loan debt is not viewed as negatively as other sorts of debt, getting rid of it as early as possible should be your objective. Reducing your obligation as quickly as you can will make it easier to buy a home and support a family.

74. It can be hard to figure out how to get the money for school. A balance of grants, loans and work is usually necessary. When you work to put yourself through school, it is important not to overdo it and negatively affect your performance. Although the specter of paying back student loans may be daunting, it is usually better to borrow a little more and work a little less so you can focus on your school work.

75. If you have yet to secure a job in your chosen industry, consider options that directly reduce the amount you owe on your loans. For example, volunteering for the AmeriCorps program can earn as much as $5,500 for a full year of service. Serving as a teacher in an underserved area, or in the military, can also knock off a portion of your debt.

100 Student Loan Tips

76. Starting to pay off your student loans while you are still in school can add up to significant savings. Even small payments will reduce the amount of accrued interest, meaning a smaller amount will be applied to your loan upon graduation. Keep this in mind every time you find yourself with a few extra bucks in your pocket.

77. If you are in a position to do so, sign up for automated student loan payments. Certain lenders offer a small discount for payments made the same time each month from your checking or saving account. This option is recommended only if you have a steady, stable income. Otherwise, you run the risk of incurring hefty overdraft fees.

78. Make sure that you try to get scholarships when you go to college. Try and save money wherever you can, looking into grants or scholarships to help with the cost. There are a number of good scholarship matching websites that can help you locate just the right grants and scholarships to suit your needs. Try not to delay and get out and get looking as quickly as possible.

79. Keep detailed, up to date records on all of your student loans. It is important that all of your payments are made in a timely fashion in order to protect your credit rating and to prevent your account from accruing penalties. Careful record keeping will ensure that all your payments are made on time.

80. If you experience economic hardship after graduation, you may be able to defer your student loan payments. Other reasons for deferment include continuing education and graduate studies, residency programs or internships. Additionally, if you are on parental leave or if you are a working mother, you may qualify for deferment.

81. Set a goal to fund your education with a combination of student loans and scholarships, which do not need to be repaid. The Web is filled with contests and opportunities to earn money for school based on any number of factors unrelated to financial need. These include scholarships for single parents, individuals with disabilities, non-traditional students and others.

82. If you are having any trouble with the process of filling out your student loan applications, don’t be afraid to ask for help. The financial aid counselors at your school can help you with anything you don’t understand. You want to get all the assistance you can so you can avoid making mistakes.

83. If your parents will be footing part of the bill for your student loan repayment, look for lenders that offer a cosigner release option. Many private lenders require a cosigner who must bear the burden of repayment if the primary applicant cannot meet his obligations. A cosigner release absolves the cosigner of financial responsibility after the student establishes a history of timely loan payments.

100 Student Loan Tips

84. Once you leave school and are on your feet you are expected to start paying back all of the loans that you received. There is a grace period for you to begin repayment of your student loan. It is different from lender to lender, so make sure that you are aware of this.

85. Learn the requirements of private loans. You should know that private loans require credit checks. If you don’t have credit, you need a cosigner. They must have good credit and a good credit history. Your interest rates and terms will be better if your cosigner has a great credit score and history.

86. If you want to pay down student loans faster than scheduled, start with the highest interest rate loans first. If you think you will be better off paying the one with the highest monthly payments first, you may be wrong. Best to look at the interest rates.

87. Check the grace period of your student loan. The period should be six months for Stafford loans. Perkins loans offer a nine month grace period. Other loans vary. Know when you will have to pay them back and pay them on time.

88. To minimize your student loan debt, start out by applying for grants and stipends that connect to on-campus work. Those funds do not ever have to be paid back, and they never accrue interest. If you get too much debt, you will be handcuffed by them well into your post-graduate professional career.

89. Try getting your student loans paid off in a 10-year period. This is the traditional repayment period that you should be able to achieve after graduation. If you struggle with payments, there are 20 and 30-year repayment periods. The drawback to these is that they will make you pay more in interest.

90. To reduce the amount of your student loans, work as many hours as you can during your last year of high school and the summer before college. The more money you have to give the college in cash, the less you have to finance. This means less loan expense later on.

91. To keep your overall student loan principal low, complete your first two years of school at a community college before transferring to a four-year institution. The tuition is significantly lower your first two years, and your degree will be just as valid as everyone else’s when you graduate from the larger university.

92. Take advantage of student loan repayment calculators to test different payment amounts and plans. Plug in this data to your monthly budget and see which seems most doable. Which option gives you room to save for emergencies? Are there any options that leave no room for error? When there is a threat of defaulting on your loans, it’s always best to err on the side of caution.

93. To stretch your student loan as far as possible, talk to your university about working as a resident advisor in a dormitory after you have finished your first year of school. In return, you get complimentary room and board, meaning that you have fewer dollars to borrow while completing college.

94. Starting to pay off your student loans while you are still in school can add up to significant savings. Even small payments will reduce the amount of accrued interest, meaning a smaller amount will be applied to your loan upon graduation. Keep this in mind every time you find yourself with a few extra bucks in your pocket.

95. If you are in a position to do so, sign up for automated student loan payments. Certain lenders offer a small discount for payments made the same time each month from your checking or saving account. This option is recommended only if you have a steady, stable income. Otherwise, you run the risk of incurring hefty overdraft fees.

96. To bring in the greatest returns on your student loan, get the most out of each day at school. Instead of sleeping in until a few minutes before class, and then running to class with your binder and notebook flying, wake up earlier to get yourself organized. You’ll get better grades and make a good impression.

97. Student loans that come from private entities like banks often come with a much higher interest rate than those from government sources. Remember this when applying for funding, so that you do not end up paying thousands of dollars in extra interest expenses over the course of your college career.

98. To make collecting your student loan as user-friendly as possible, make sure that you have notified the bursar’s office at your institution about the coming funds. If unexpected deposits show up without accompanying paperwork, there is likely to be a clerical mistake that keeps things from working smoothly for your account.

99. If you experience economic hardship after graduation, you may be able to defer your student loan payments. Other reasons for deferment include continuing education and graduate studies, residency programs or internships. Additionally, if you are on parental leave or if you are a working mother, you may qualify for deferment.

100. Keep your loan from reaching the point where it becomes overwhelming. Ignoring it does not make it go away. If you ignore payment long enough, the loan will go into default and then the entire amount is due.Your wages can be garnished and your tax refund can be seized so take measure to get a forbearance or adjustment, if needed.

Bankrupt Your Student Loans: And Other Discharge Strategies

Bankrupt Your Student Loans: and Other Discharge Strategies

Author Chuck Stewart Ph.D
Binding Paperback
Brand Brand: AuthorHouse
EAN 9781425928551
ISBN 1425928552
Label AuthorHouse
List Price $34.95
Manufacturer AuthorHouse
Number Of Items 1
Number Of Pages 304
Product Group Book
Product Type Name ABIS_BOOK
Publication Date 2009-09-18
Publisher AuthorHouse
Studio AuthorHouse
Title Bankrupt Your Student Loans: and Other Discharge Strategies

 

 

 

 

 

 

 

 

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Posted by admin - February 19, 2014 at 7:44 pm

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