Is it Wise to Charge My Home Business Expenses to My Personal Credit Card?

When you read testimonials of a few successful Internet entrepreneurs, it may be common to read that in their past they are "maxed out their credit cards". At this point, I can hear you thinking out loud, "but they made it anyway … and so can I". I wish that would be the case for every Tom, Dick, Harry and Sally, but the improper use of credit can be devastating to some not only for their personal businesses but it negatively pressures significant family relations as well.

So let's ask, "Is it wise to charge my home business expenses to my credit card?"

The answer to that question is, "It depends." You see, the use of the credit card can work either to the benefit or detriment of the one using it. The intelligent questions to ask are:

1. Do I have sufficient cash on hand to purchase this right now?
2. In my current capacity, can I afford to buy this right now? "
3. Why am I charging my credit card for this item?

Firstly, if you are personally "liquid" enough to purchase this item, and if you have set it as necessary for your business, then yes, it is wise to use your credit card if you will have the deduction to take the cash out of your reach, keep it someplace safe, (like in a savings account or piggy bank) until such time to settle your card statement comes.

Secondly, to say "you can afford to buy or purchase" an item means that you are not sacrificing any other basic needs of your family such as the grocery or utility bill budget. It means you really have a "surplus" tucked away someplace. It can also implying that if you are deferring a payment, you are absolutely certain of a cash inflow that will sustain this expenditure such as scheduled bonus or lumpsum to be received for sure. Otherwise, re-evaluate your position. If you can pay the FULL BALANCE in one payment, then yes – you can definitely afford it.

For those who choose to defer payments, credit card companies may impose a finance charge of as much as 3.5% a month for the revolving balance and that accumulates to about 42% a year! Compare that to the yield paid to you if you had a deposit, say 3% per annual, then you are spending so much in finance charges and your business has not even taken off yet. Perhaps interest rates, are of a different level in your country, find out and compare. It pays to know!

Thirdly, there are other reasons to use credit cards. Convenience is usually the key reason, but it has its own responsibilities that go with it. Cashless transactions has its perks – no bulky bills to tug around or no risks that thieves will snatch them from you. But then, the same security mechanism we devote to our cash holdings should also be exercised for our credit cards. Because they too, may be swiped and stolen from us. So, we have to be vigilant.

And I almost forgot, most credit cards offer a reward system or points such as freebies, or cash-backs. That can also be a good reason to charge items to your card. The bottomline is, determine if you can afford to pay it – if you can, go ahead and charge it!


Sand From the Beach – How to Clean & Keep the Sand Out of Your Home & Car From the Beach!

Sand loves on the beach and not in your car or home. Everyone loves the beach, but unfortunately the sand loves to follow you when you leave. Although it is virtually impossible to keep every grain of sand on the beach and not in your car or home, a few basic steps can tremendously lower the amount.

1. Always wear sandals on the beach and not shoes that can trap sand.

2. Always carry toys, magazines, snacks, towels and other beach accessories in a mesh bag to allow the sand to fall out vers getting trapped in the bag to eventually end up in your car or home.

3. Place a tote in your trunk to place all beach bags, towels and chairs. The tote can be taken out of your car when you get home to wash off everything inside it.

4. Keep a small hose with attachment to wash feet off before entering your home.

5. Keep a bowl with water by the door and a towel on a hook. Clean your feet off before entering the house when coming home from the beach by sticking your feet in the bowl. Remember to put fresh water daily in the bowl to prevent bugs from attracting like mosquitoes.

6. Consider buying the Hoover Nomad Cordless Pressure Washer. Great to keep in your trunk to hose off feet, toys or chairs before getting into the car. This small unit holds 3.5 Gallons of water and is great at the beach, sporting events and anything imaginable outdoors. Long hose, 90 PSI and long battery life.

7. Keep your doormats by your home clean and new. Doormats do a tremendous job in attracting dirt when newer. Shake out regularly and spray down with a hose periodically. Keep your indoor mats clean daily and wash them weekly.

8. Consider an outdoor changing area to allow sandy bathing suits to stay outside and not inside a bedroom or bathroom. Rinse off the suit before bringing in a home.

9. Have a good stick vacuum near your entry areas to the home to capture the sand quickly. The three best stick vacuums are the Hoover Platinum Stick Vacuum, Oreck Rechargeable PR8000 and Karcher Sweeper.

10. The best vacuums indoor for capturing sand once inside the home are the Oreck XL 2000, Hoover C1404 and Koblenz Upright Vacuum.

The beach can be a very relaxing experience. Following these steps can make leaving the beach less stressful by bringing less of the beach sand home with you.


The Importance of Drain Cleaning and How it Affects Your Home

Inside of every home are water drain lines, that carry gray water and sew out of our homes. Drain cleaning to keep these lines clear and flowing is paramount to a healthy home. Too often, people ignore their drains until something goes wrong. But by then, dirty, bacteria filled water has soaked your floors, possibly your walls, and the damage is already done.

Check Your Pipes!

As with many areas of home repair, preventing these occurrences through property maintenance, is the best way for residents to keep their home and family healthy, and keep unexpected repairs at bay. Pipes through your home take waster water from your home, under the house, through the yard, initially leading it to your septic system, or the city sewer connection. It is important to keep these plumbing lines clean, and your drains flowing well.

When drain lines are working well, the water flows quickly, straight down the drain. Sometimes, though, these drain lines get clogged up with an accumulation of food, grease, soap scum, hair, and even odds and ends that fall down the drain.

At the first sign of slow draining, you should call a drain cleaning specialist. This specialist can use the proper tools and chemicals to keep your drains clear, without damaging the pipes or fittings. Even a simple sink clog can cause serious flooding, which can damage drywall.

Such flooding is usually not covered by homeowners insurance. However, a qualified professional plumber can unclog your drains, and repair any plumbing issues, very quickly.

The Benefits Of Proper Maintenance

Preventative maintenance is even more effective; regular drain cleaning in homes can stop these drains from clogging, breeding bacteria, and occasionally flooding homes. For the best prevention homeowners should have their bathtub, shower, and sink drains cleaned by a professional once each year.

Clogs do not happen only in the drains that lead directly from your plumbing fixtures, but also in your larger sewer lines. The plumbing fixture lines connect to larger plumbing sewer lines that run underneath the home, then out into the yard. These lines often become blocked by tree roots, resulting in sewage backing up into the home, typically through floor drains, in the lower level of the home.

This can be a serious problem, particularly for the older, more established neighborhoods where large trees, with established, far reaching root systems, are common.

Fortunately, with this type of blockage drain cleaning professionals can help, sending a rotating blade, called a snake, into your sewer lines, freeing trapped, accumulated debris, and removing tree roots from the lines.

Catch The Clogs Early!

When it comes to the drain lines in home plumbing systems, preventing serious clogs and back-ups is the best strategy, and the proper maintenance can help.

When a clog is used early, inexpensive plumbing repair can remove the clog, restoring free flow to your waste water system, and ensuring that your home stays free of sewer water, keeping you and your family dry and healthy.


How to Avail Home Loans

If you are looking for the best way to secure a home for your new family, there is only one thing that can give you satisfying results and that is to get a home loan. However, take note that homes loans are just like ordinary debts, even more complicated and hard to resist when you are in a pressuring situation. But with the helpful tips and suggestions from people who have been there, you will surely end up successful in this biggest decision in your life.

A home loan is often the fastest way to which you can have the dream house that you have been wishing for. Let us face the fact that though you can earn as much as thousands of dollars every month, you still need to budget it for the daily subsistence that you family needs. This is the reason why it would normally take years and years of hard work and savings to actually put up a house of your own without getting any loan application. But given that you already have the stable job and you know all you need to have is ample time, a home loan is the right choice for you.

This is quite a difficult task especially if you are new to the processes and steps that are involved. For a faster and safer way to get your home, follow the steps below. It serves as a guide which is not only helpful for beginners but for second timers as well.

Find a lender that you can trust with. A good lender is not necessarily a big company or bank. As long as it has a good reputation and they seem to give you the best service when you approach them, then they are ideal. You can actually sense the sincerity of their intentions when you feel no pressure at all in the way they approach you. Your friends, relatives and officemates are good sources of information that can give you options and choices for the said lenders.

Discuss your needs to the agent or the lender. As much as possible, give the information that will help the agent refer to you the suitable policy for you. The internet can also be a valuable resource. After that, you need to fill up the application form that will be offered to you.

But before actually signing it, you should already know the closing costs that need to be paid, the type of loan that the lender chose for you as well as the terms and the penalties that might be involved. Never hesitate to clarify statements written in the application. Negotiation is also an important step that you need to master so that you can get the most affordable price offered by a certain type of loan. Then, you can pay up the price of the front fees given to you by the lender.

Be sure to review your loan papers before you sign it so that ambiguous terms can be explain and clarified. Once your papers are approved, you’ll be bringing the set of keys of your new home from the lender.


Yeast Infection Home Remedies That Offer Relief

Yeast infection home remedies are more popular with the older generation of women who have discovered that the best remedies come from home. However, yeast infection remedies are being reported to becoming more popular as people go back to the more natural cures and yeast infection home remedies. Yeast infection needs to be treated when you discover you have it and this is mainly not because it is life threatening but, it is to eliminate the uncomfortable symptoms which can make your life miserable. Yeast is a fungus that is single celled and it can multiply very fast with favorable conditions in the body. Yeast is therefore very present in our bodies and if there is a person who does not have some amount of yeast, they are probably not well.

Yeast infections home remedies are cures that are made at home without any help of a health professional. The information and guides on how to make home remedies will be found on the internet and more and more people are taking advantage of this easy way to have relief from yeast. Yeast infection is facilitated by several factors to overgrow in the body and if you do not consider these factors, your yeast infection home remedies might not work the way you want them to. The first one is the intake of sugary foods and foods that contain yeast. Beer is known to have a very high content of yeast and if possible, you need to avoid it. Other foods like bread also have some yeast concentrations in them. Make sure you make healthy decisions to avoid infections by yeast.

The other factor that mostly affects women is the use of birth control pills. Not all women suffer from the infection when they use the pills and you there before need to be aware of how your body reacts to such drugs and others. Pregnancy will cause yeast infections and the main thing you need to know as an expectant mother is that you need to get the right medication and see that you are healed before delivery. The right medication for yeast infection during pregnancy is the kind that will not harm the baby. Yeast infection home remedies are known to be very safe for the mother and the child.

You need to follow all the instructions provided when you need to make remedies for yeast infections. Some of the remedies include the use of garlic, honey, tea tree oil and many others. Some of the remedies require that you make them into a fine paste so that they can be easily applied to the affected area. For women with vaginal candidosis which is yeast infection in the vagina, they will be required to use special gadgets like tampons and others to insert the cure. There is no remedy like a home remedy and more people are choosing to go for this method of curing yeast infections. Make sure the remedy you choose is safe so that you do not end up doing more harm to your body.



Source by Peter Gitundu

Why Home Weather Stations Require the Right Battery

Weather stations that can be used by people at home are quite useful weather instruments to monitor one’s immediate environment. These tools have the ability to provide information that the weather man can’t. There are many different types of weather instruments that offer excellent utility and accurate information for a range of activities, including sports, research, professional photography, adventure travel, and agriculture etc. A weather station at your house can be quite useful especially on the months of fall and winter, during which time the weather can be quite unpredictable. Weather during summer is pretty much predictable, but winter months especially in colder regions of the United States of America and Canada can be quite dangerous.

Unfortunately, even if you buy one of the best brands of home weather stations, it’s the batteries that often pose a problem. The colder the weather, the worse their performance. When compared with car batteries, that give specific warnings regarding battery performance during various seasons, batteries used in these weather instruments are conspicuous due to lack of this information. Since batteries form an important part of the station system, it’s important to not just be able to choose the right battery but also understand the difference between the different types.

Alkaline Batteries: These batteries are good for weather station sensor located outside your home during mild summers to cold winters. However, as it gets colder, below freezing point, the chemicals in the battery start to have a problem and become weak and may stop working altogether. However, new alkaline batteries may still work up to 0 degree Celsius. If your battery is weak, bring it indoors to warm it up and use them again.

NiMh Rechargeable Batteries: If you stay in a really cold region where temperatures during winter months, often fall to below 0 degrees, its best to buy NiMh rechargeable batteries. These batteries work up to -10 degree C levels, however, you will have to recharge them on a more frequent basis to keep your weather station working.

Lithium AA Batteries: A new entrant in the market, these Lithium AA size batteries are excellent for cold weather. They work even in temperatures as low as -30 degrees. However, unlike NiMh cells, these batteries can’t be recharged and must not be used in the NiMh AA recharger.

In case you have a portable weather station that works with remote sensors and has a LCD display, it is possible that even when you use Li batteries the display tends to freeze below 0 degree. The reason for this is because LCDs are incapable of operation in very cold conditions. However, keep the weather meter inside exposing it to outside environment only when you need to check the weather and just trust the device! In any case, weather stations display the data on the screen indoors and will indicate a problem, if it does exist.



Source by Kelly Hunter