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Showing posts from September, 2015

Top 7 things to consider when hiring an electrician

Faulty wiring can lead to electric shock and electrocution. Home wiring problems can also pose a fire hazard. You may be able to easily avoid all this if you hire an electrician who is reliable and experienced. Credentials – Electricians must be licensed. It is best to learn about the local license requirements in the area so that you can hire those meeting the required credentials. Insurance – Check if they have liability insurance so that you are covered if there is any damage to the building or fittings. If they are not covered by insurance you may have to bear the expenses if anyone is hurt during the electrical work. Costs – Get several estimates for the work to be performed so that you can compare costs and choose the best that meets your specific budget requirements. Ensure that the estimates are itemized so that you are aware of the complete billing in detail. This can enable you to know how much the job may cost. Get the

Top 4 dangers of cash advances using a credit card

Taking a cash advance make seem a perfect solution if you are faced with a financial emergency and need quick cash. Most people sign up for this short term loan as it offers a quick fix to their financial dilemma. One of the important things that you need to remember is that this perfect solution comes with a high price. You can land in serious financial trouble if you rely on cash advances. Danger 1: Exorbitant fees Cash advances are promoted by credit card companies to get quick access to cash in emergency situations. These transactions are often accompanied by convenience fees. In addition to this fee, you may also have to pay ATM fees when you withdraw cash from an out of network unit. Every aspect of the process has some fees associated with it and this makes it costly. Danger 2: Interest rates The high interest rates that apply are another danger of cash advances using a credit card. The annual percentage rate (APR) is always higher and is usually double than the pe