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An Ounce of Prevention: Keep Up with Maintenance to Protect Your Big Investments

You shouldn’t wait until there is water gushing through your ceiling to get your roof inspected or to make repairs. Nor should you wait until there’s fire coming out of your hood to take your car in for a tune-up and new belts. Regular maintenance should be a part of taking care of your big-ticket items to protect your investment, and that includes regular inspections so that you can identify problems before they cause major damage and require expensive repairs. Regular maintenance just makes good financial sense. Here are a few things you should be doing to protect those major investments: Your Home Your home needs a long list of routine maintenance to keep it in top shape. Some of the basics include: Roof inspection Gutter cleaning Plumbing inspection Pest inspection and treatment Chimney cleaning Septic cleaning and pumping HVAC checkup and cleaning Vent cleaning Energy audit There are many more things you can (and should) do, depending on the type of house you own, the appliances you have, and where you live. One thing to keep in mind is that even when you are scheduling something like a chimney or other type of cleaning, the professional will be inspecting ...

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Home Care or Professional Care?

As our parents and other relatives get older and begin to experience declining health, we struggle with how best to care for them. The two most common choices are to take them to an assisted living facility or to make plans to care for them in their home. The cost of these two choices is obviously very different. The expense associated with skilled care in either a nursing home or an assisted living home is a major barrier for many families who would prefer to have their loved one receive that level of care. Yet the home care option isn’t as cheap as it may first seem. There are a number of hidden costs that you may not think about with home care. Making sure you capture all these considerations is essential for making an accurate comparison of the two options. Staying at home is likely to still be less expensive, but you will still need to make provisions for certain expenditures. Home Modifications Part of the reason you may be investigating nursing homes is that their home may be unsafe for them, due to mobility or vision limitations. If you choose to make home modifications that permit them to ...

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DIY Gone Wrong! 4 Reasons DIY May Cost More Than Hiring a Professional

DIY Gone Wrong! 4 Reasons DIY May Cost More Than Hiring a Professional

Many people these days are trying to cut costs in their budgets. One reason for this is because of the ever increasing costs of the goods and services they enjoy. Another is because wages don’t seem to be keeping up. No matter what the reasons are for high costs, however, there are ways you can save. For example, you could save money by DIY-ing when you have items that need to be replaced or repaired around your home. But DIY-ing may not always be the answer. In fact, sometimes you end up with a DIY gone wrong. Here are 4 reasons DIY may cost more than hiring a professional. 1. Lack of Expertise Unfortunately, as a renter or home owner, sometimes things get worn or break in your residence. You may not have the expertise needed to replace or fix it, though. If you attempt repairs without the proper know-how you could be asking for trouble. Let’s say you have a leak in your kitchen plumbing. Trying to diagnose the problem on your own could result in you having a major water leak in your house. Should this happen, you could end up with thousands of dollars of property damage. ...

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How to Choose Your Teen’s First Smartphone

Buying your teen’s first smartphone has become a rite of passage. For many parents, getting their teens their own phones is as stressful as seeing them get behind the wheel of a vehicle. Parents want their teens to be safe, but they also don’t want their children to go broke in the process. Fortunately, if you know what features you and your teen want in a smartphone, you can find a phone that will make both of you happy and help you sleep at night. Discover the following four features to look for when choosing your teen’s first smartphone. Durability Your teens aren’t known for sitting still. They’re running, skateboarding, and moving constantly. While a case is great for protection, some phones are more prone to cracks and breaks than others. When you’re shopping for a phone, make sure you find a model that can withstand drops and dunks into liquid, such as the affordable Galaxy Note 7 smartphone on the T-Mobile network. Over the past few years, Samsung has worked to strengthen the shell of the phone’s casing and make the glass more durable. Not only do these features increase the overall quality, but the material also increases the phone’s durability. ...

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Keeping up with Maintenance to Avoid Having to Replace

You own many nice things. You own a home, a car and have many nifty gadgets that make your life easier and fun. But, if you don’t take care of them properly, these things can end up costing more. As a result, you may end up running up unnecessary debt. The good news is that if you maintain your valuable things they will perform better for longer. Expensive gadgets and preventative measures  Most people today own a computer, a cell phone or a tablet. These devices are very expensive and because of this, you should take every measure to protect them from damage. Your computer should have anti-virus software to prevent the dreaded blue screen. You should also use a separate outlet strip with a built-in surge protector to prevent a power failure, brownout or sudden surge from causing it to crash. Your tablet and your cell phone travel with you most places you go. Adding a protective cover isn’t to make a fashion statement, although they do come in awesome colors and patterns, but rather to protect it from drops and bangs. The same goes for your screen. For instance, if you own a Galaxy, Galaxy screen protectors will prevent the glass ...

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