Finding Family Law Attorney In The City

How To Choose A Family Law Attorney Properly

Choosing the best attorney to handle your divorce, domestic violence, paternity or other family law matter can be one of the most important decisions in your life. It is important that you take the time to research your options and interview numerous attorneys to choose the proper fit for you. There are hundreds of divorce attorneys in New Mexico of varying backgrounds, skills and experience.

The very first consideration when searching for a divorce law firm and attorney is to find an attorney that you get along with, that you respect, and that listens to you. Attorneys by nature like to talk, but when you first meet an attorney their job should be to listen to your explanation of the facts involved in your case and to understand your goals and desires in the case. Divorce attorneys will only understand the likely or possible outcomes in your case if they listen to you. Over the years, we have had a significant number of potential clients call our firm that already have attorneys and they are looking to make a change.

The most common reasons clients want to hire a different attorney is because their attorney

  • doesn’t call them back;
  • doesn’t listen to them;
  • doesn’t work with them on the case. In our experience, the best divorce attorneys we have worked with on cases are the lawyers that listen to their client, understand their goals, advise their client about the proper direction to move forward in the case, but they must also have the ability to be aggressive when necessary.

Family law attorneys must have significant experience in order to properly handle a divorce or other family law case. This is not to say that an inexperienced attorney cannot successful complete a case; however, there is an extremely small likelihood that an inexperienced attorney will resolve your case with a result favorable to you, at an expected cost, within a reasonable time-frame. There is a practical reason that experience matters in a divorce case, which is the overall cost will be reduced by having an experienced attorney. This concept seems counter-intuitive since the more experienced attorneys often charge a higher hourly rate. The reason is because experienced attorneys already have a significant knowledge base concerning divorce law and procedures, which they do not need to spend time, and charge you, to research law. Attorneys charge a wide array of hourly fees for their services. Some attorneys will charge as low as $250 per hour, while other attorneys charge upwards of $400 per hour. We believe that the attorney’s rate should be reasonable considering their experience and efficiency.

What Should You Look for When Choosing a Family Law Attorney?

While divorce is the most common thing that comes to mind when people think of family law issues, there are actually many different legal matters that family law attorneys deal with on a regular basis. There are many attorneys in Michigan that claim to work on family-related law issues, which means you have a lot of choices. However, what kinds of things should you be looking for when choosing a family law attorney?

  • Experience – one of the first things you should look for is an attorney’s experience. As with most legal matters, experience is important. You want to be sure that the attorney you choose has already dealt with similar issues to what you’re going through and that he/she knows how to handle them properly.
  • Expertise – many attorneys set up a general practice where they take on several kinds of legal matters. However, if you’re dealing with a family law issue, then you don’t need an attorney who mainly focuses on personal injury and does family law on the side. Choosing a lawyer who is focused solely on family law issues can make a big difference in the outcome of your case.
  • Professionalism – you also want to make sure that your attorney appears to be professional and act in a professional manner. That means he/she speaks and behaves in an intelligent and courteous way.
  • Knowledgeable – the family law attorney you choose should be knowledgeable about family law. If he/she has a hard time answering your questions, then you might want to look elsewhere.

Reality and Honesty

An attorney who understands your goals but also reality is something you should heavily consider. One of the biggest red flags you can come across in your search is a “yes man.” An attorney should not be a magician nor should he or she promise you the world so that you are inevitably disappointed with the end result. No end result is ever completely perfect, and your attorney should be forthright with you regarding your case. A divorce attorney should be able to understand your goals and needs, but, should be honest and realistic with you about attaining those goals. Our attorneys will maintain candor and sincerity throughout your divorce and will advocate as hard as they can to achieve your goals.

A Counselor in Law, but also in Life

It is especially important to hire a lawyer who will understand both your wishes and needs. At the Mandel Law Firm, we will recognize that there are certain things that you need to be happy, and those are the things that we will fight the hardest to get. Additionally, our attorneys will provide the necessary comfort and understanding to any tough situation that you may face in the process toward a resolution. Our attorneys will not only counsel and explain the applicable laws, but, will act as “counselors in life” and aid you in starting a new chapter in your life. We are here with an empathetic ear as we strive to create a productive and comfortable environment where you will feel safe and secure. Our attorneys, while they each have different work styles, are compassionate listeners and will do their best to get you the best results.

A Firm Dedicated to Family Law and Versed in Your Specific Issues

The family law firm that you hire should be one that is experienced in a wide range of family law matters, not one that simply dabbles in the occasional family law case. Hiring a firm that specializes in family law will guarantee that you are in the best hands. Attorneys who have handled cases or unique issues just like your own will provide you with the greatest chances of attaining your goals as well as feeling comfortable throughout the process.

Professionalism and Reputation

Lawyers, above all, should be consummate professionals, keeping in mind all ethical guidelines. It can be difficult for you to know if the lawyer is a true professional in one meeting; but remember to check some basic things. Is there someone there to greet you? Are they prepared for your meeting? Are they giving you realistic outcomes and a full explanation of all your options? Beware of the lawyer who promises you a quick case or guarantees an outcome. It is a lawyer’s duty to manage your expectations and tell you the truth – even if they know it is not what you want to hear.

When it comes to their reputation, do not be afraid to do some homework on the lawyer. Check out their state bar history – have there been any disciplinary actions? If so, what were they about? How recent were they? Do other lawyers speak highly of them? Are there any reviews online about how they treat their clients? All of these would go to the professionalism of the attorney and can give you a good idea of how they would treat you during their representation.

When meeting with your attorney, remember that you are the client that will be paying the attorney; they will be the person helping you. Therefore, do not hesitate to ask some probing questions about their practice. Hiring a Family Law attorney is not cheap, but it can be a very smart investment – if you make the right choice. Do your homework and follow your instincts, and chances are you won’t go wrong.

Choosing an Attorney

Make a decision.

After meeting with the attorneys on your shortlist, you might know immediately who you want to hire. Or you may have to mull it over more. Regardless of how you immediately feel, give it a couple of days to think over (unless you need immediate legal assistance). You ultimately want to hire someone you trust and feel comfortable around. To help you make an informed decision, ask yourself the following questions:

  • How comfortable will you be working closely with this attorney?
  • Does the lawyer have the experience to handle the case?
  • Did the lawyer explain the case in a clear manner?
  • Does the fee seem reasonable?
  • What is your gut instinct telling you?
  • Was the lawyer easy to contact or difficult to get ahold of?

Call back.

Once you have settled on an attorney, you should contact him or her as soon as possible and state that you would like to hire them. Ask if the attorney needs any additional information and what the next steps are.

  • If there was something you didn’t like about the attorney, then see if he or she is willing to negotiate. For example, the lawyer might have a policy of only communicating by mail. However, if you would like status updates given by a phone call, then you should ask if the lawyer can change the policy for you.

Read the engagement letter.

The lawyer should present you with a formal engagement letter. This letter spells out all facets of the attorney-client relationship. You should read it closely before signing it and sending it back to the lawyer.

  • Be sure the fee agreement is included in the engagement letter and that it accurately reflects your agreement. If you agreed to a flat fee but you see a section discussing hourly billing, then you should bring this to the attorney’s attention and ask that it be corrected.
  • In fact, if you don’t understand something in the engagement letter, then you should ask the attorney before signing.
  • If something is inaccurate, do not scrawl over the page or cross something out. Instead, wait for a complete, accurate engagement letter to be sent to you. Then sign and return it.

Pay a retainer.

The lawyer may require that you advance a certain sum of money before he or she will begin working on the case. This is called the “retainer.” It is like a down-payment. There may be a separate retainer fee agreement or it could be part of the engagement letter.

  • Your lawyer should not use the retainer until they begin working on your case. However, once they have billed you for work performed, they can apply the retainer to your bill. You must pay whatever amount is not covered by the retainer.
  • If for some reason the lawyer stops working on your case before using all of the retainer, then you are entitled to a refund of the balance.
Posted inLegal

Electrical Home Inspection Misconceptions

ELECTRICAL INSPECTION INFORMATION

GENERAL INFORMATION

Approval of Non-Listed Electrical Equipment

Electrical Service Panel Upgrades

Electrical Receptacle and Switch Installation Requirements (Commercial and Industrial)

Equipment Suspended of Mounted on Roofs Floors or Walls

Field Coordinators Map (30MB)

Generators – Permit Requirements

Installation of Exterior Light Fixture Support Pole Bases

Knob and Tube Wiring

Energy Commission – Building Energy Efficiency Standards

PG&E Meter Releases

Pre-Final Meter Request Form

Utility Meters: How to Get or Replace a Meter

KITCHEN AND BATH LIGHTING

Residential Lighting T-24 Energy Requirement Design Guide

PHOTOVOLTAICS

Electric Vehicle Charging System Permit Requirements (Single-Family and Duplexes)

Solar Photovoltaic Installations

POOLS & MISC

Portable Spa Inspection Checklist

Swimming Pool Construction Inspections

ELECTRICAL INSPECTION CHECKLISTS

Healy Dispenser and Similar Installation Checklist

The Role of Annual Electrical Inspection & Maintenance

Electrical connections play a vital role in the smooth running of a home. There are times when these connections fall short. It is then that most people think of calling an Electrician to have things fixed. However, when everything is okay, most homeowners do not even think of anything like annual maintenance. To be on the safe side, yearly electrical inspections should never be ignored.

Inspections are beneficial in many ways. For instance, they might help you unearth looming electrical issues, which would have otherwise been costly to repair. Not yet convinced, here are some reason to schedule routine electrical inspections.

Fire Safety

Electrical faults are of the main causes of home fires at home. These fires often emanate from faulty wirings and electrical fixtures. Unfortunately, these electrical elements are often blamed after the damage has already been done. In light of this, it is imperative for a homeowner to have an annual inspection to ensure that wirings and all connections are safe.

Safety

The safety of the occupants in your home is another important reason to invest in annual electrical inspections. Regular inspections often check for electrical anomalies like possible overloading, outdated wiring, or risk of electrical shocks. Ignoring routine electrical inspection is tantamount to putting the safety of the occupants at risk.

Adherence to Local Electrical Codes

Having a functional home does not always mean that everything is okay. A Newly built home should adhere to electrical codes, which are subject to change or get revised from time to time. This means that in a couple of years, some electrical fixtures in your home are bound can be deemed unsafe. Annual maintenance can help you discover this and make necessary changes before it becomes too late.

Permits

Definition List

Notice of Correction (NOC):

A formal notice of items that need to be corrected that were identified by an inspector.

Notice of Violation (NOV):

A formal notice of at least one specific area of non-compliance with the Idaho Statutes & Rules as administered by the Division of Building Safety.

Enforcement Permit:

An Enforcement Permit is issued only by a state inspector and only in cases where a contractor or homeowner has failed to purchase a required permit for work already completed. Fees charged for an Enforcement Permit are double the original amount due to the failure to permit.

What is a permit?

A permit grants the holder authorization to perform specific construction and/or installation work. Permits are assigned a unique document number which is required when requesting inspections and approval of the work.

What to do when you purchase your permit?

If the inspector notes deficiencies during the inspection that cannot be fixed immediately, corrections must be made.

Homeowners Performing Electrical Installations

The Electrical Program exists to protect and safeguard life, health, and property of the citizens of Idaho from hazards associated with the use of electricity by ensuring that all electrical installations within the state comply with the most current safety codes and electrical standards. It is expected that homeowners performing electrical installations in the State of Idaho possess the skills and knowledge necessary to install electrical equipment safely and in a workmanlike manner.

Building Department

Inspections due to permits issued by the Building Department will continue as listed below.  Communications with the Building Department will be available to the public through US Postal Service, telephone and email. 

To do its part in flattening the curve on Coronavirus, the Town of Ware Building Department will perform inspections as follows:

We will continue to conduct inspections of occupied buildings on a case by case basis.  Please call the office to schedule and discuss for inspections and inform us if anyone in your home is showing any signs of illness, and please advise us ahead of time if you are uncomfortable having an Inspector entering your home so we can make other accommodations at the discretion of the Inspector.  This is only during this State of Emergency.

Annual/Periodic Inspections will be postponed until after the declaration

The Town of Ware is using an online permitting system to help keep contractor and homeowners aware of every stage of the permitting process through an online portal called Viewpoint.  Contractors can upload applications, plans, required documents and pay fees directly.  Once applications are submitted, you are notified via email every step of the way!

To ensure life safety standards, the following items may be considered in the scope of the Inspections:

Proper egress

Working emergency signage and lighting

General unsafe or unsanitary conditions

Posted occupant load where required

Visible fire protection systems kept in good order

Fire detection and prevention systems in working condition

Mechanical systems and spaces in good order

Mission Statement

primary mission is to safeguard the public, promote the health, safety and welfare of the inhabitants of the Town of Ware through enforcement of the applicable codes and ordinances. believe in equitable treatment of all individuals regardless of circumstances, and strive to enforce all building codes in a fair and considerate manner.

Tips for Getting the Most out of a Home Inspection

A proper home inspection is your best defense against buying a property that will be a home improvement nightmare. Use these tips to get the most out of your home inspection

Show Up

Make sure you are present for the home inspection and be prepared to ask questions and point out specific problems you’d like to check out further. This will be the first time your home inspector has been at the property, so your knowledge of potential issues is invaluable.

Use Someone You Trust

Doing your homework to find your own home inspector can really give you peace of mind. While your realtor probably has a few inspectors that he or she can recommend, you should really find your own. An impartial, third-party home inspector won’t have any loyalty to your realtor and will be able to talk freely and frankly about potential issues. You may have to pay a little bit extra for a quality home inspector, but compared to the purchase price of a house, it’s well worth it.

Don’t be Afraid to Ask Questions

The reason you hired a home inspector is because this person has the necessary knowledge to evaluate whether or not this potential property has any issues that would make purchasing the home a bad decision. And you should respect your home inspector’s knowledge and time. However, if something doesn’t look right or you don’t understand what a home inspector is referring to, speak up. It’s better to ask a question now than have an issue arise after you’ve purchased the property.

Get Pictures for Proof

Any home inspector worth using will bring a camera along on the inspection. The inspector will also be heading into places that you won’t want to go if you don’t have to (the roof, crawl space, under decks, the attic, etc.). Ask your inspector to photograph any potential issues that arise so you can see the issue for yourself and make sure you fully understand the problem.

Benefits Of A Home Inspection

Home Inspections

Property Inspections, are dedicated to serving clients with the best comprehensive, detailed, and unbiased inspection of your home or your future home. inspectors are highly trained in identifying residential construction defects, maintenance problems, and safety issues that can be present in your home. understand that your home or your future home is a place where you and your family will live, grow, and create memories.

inspection process is to help educate clients on the current condition of their home by conducting an extensive unbiased overview of the home are inspecting. use state-of-the-art technology to deliver inspection reports in a fast and accurate format that is easy to understand

Buyers

Buyers use this information to negotiate the most favorable final selling price for a property they want to buy. The inspector identifies problem areas so buyers can get repair quotes from reputable tradespeople—and then ask the sellers for price reductions to offset the costs of anticipated repairs.

Sellers

Sellers use the home inspection report to help them decide whether to correct any problems that might lower offers or be viewed as barriers by potential buyers and to reassure buyers right from the beginning—and increasing the likelihood of getting better offers on their property.

Easy-To-Read Inspection Reports

Buyers and sellers alike use the home inspection report to help guide them in their future home buying/selling decisions.

HOME INSPECTIONS

Simply attend the walk-through portion of the inspection, and if you are not completely satisfied at the end of the inspection, not only will we refund/waive inspection fee (100%), will also pay for another certified inspector of your choice (100%)… are so confident in what do that are willing to back it up… 200%.

WE’LL BUY YOUR HOME

We’ll Buy Your Home Back Guarantee. If miss anything, buy your house back. Worry Free Purchase Power: You won’t need it (because really great at what do) but know peace of mind is everything sometimes.

CONTRACTOR EXPERIENCE

Certified Professional Home Inspectors have years of experience in construction prior to becoming a InterNACHI Certified Professional Inspectors. worked on, managed, and inspected homes built in every decade since the early-1800s. seen it before.

HOME INSPECTION

Your home inspection will usually take 2-3 hours, depending on the size and condition of the home. You’re welcome to follow along as inspect, but many of clients prefer to arrive near the end of the inspection for a 30 minute to 1 hour “inspection review”, which is an opportunity for you to ask any questions you might have as walk-through the house together reviewing anything might have found.

200% GUARANTEE

After the inspection & walk-through, you get to decide if earned your money or not. If you are not completely satisfied, not only will refund/waive inspection fee (100%), will also pay for another certified inspector of your choice (100%)… are so confident in what do that are willing to back it up… 200%

WHAT TO EXPECT FROM MY INSPECTIONS

Choosing the right home inspector can be difficult. Unlike most professionals you hire, you probably won’t meet me until our appointment. Furthermore, different inspectors have varying qualifications, equipment, experience, reporting methods, and pricing.

Ultimately, a thorough home inspection depends heavily on the individual inspectors own effort, their ability to identify concerns and a clear reporting system that gives you actionable items that need your attention. If you’re looking for a caring and constructive approach to home inspecting, then that is what you will get with me. I won’t waste your time, I’ll answer all your questions and you”ll be empowered with the important info to make your decision.

What I Inspect

CHIMNEY

Learn about the three levels of chimney inspection as laid out by the National Fire Protection Association.

ROOF

inspect roof coverings, structure, gutters, downspouts and more.

ATTIC

Insulation and ventilation. check for rhodent damage, water damage from a leaky roof, the condition of the insulation, and the condition of the roof from the bottom.

BASEMENT & FOUNDATION

If there is no basement, go into the crawlspace to investigate the condition of the foundation.

DRAINAGE & GRADING

check to see if you need to do some land grading near your house’s foundation to correct drainage issues

EXTERIOR

Walkways, exterior doors, eaves, soffits, fascia and more.

INTERIOR

Built-in appliances, doors, windows, flooring and more.

PLUMBING

Sinks, tubs, faucets, shut-off valves and more.

ELECTRICAL

check the service drop, mast, meter & base, grounding, outlets and more.

HEATING & COOLING

All major heating and cooling systems to make sure you get them in working order.

GARAGE

make sure your hub for home repair is in good repair.

DECK

The deck is for relaxing. Make sure you can relax about your deck’s condition.

Protect Your Family and Your Investment

I’ll personally conduct your inspection using the highest professional standards, and then deliver the accurate, objective report you need. Whether you’re the buyer, seller or agent, I’ll focus squarely on your best interest and peace of mind.

you can breathe easy knowing that:

use state-of-the-art equipment. monitor your home’s radon levels using a special testing device.

experienced. licensed by the Department of Agriculture, and we passed the National Home Inspection exam with flying colors. also have 40 years of exterior construction experience under belts.

look out for your family. members of the American Society of Home Inspectors (ASHI), meaning up-to-date with the latest industry practices.

After spending several weekends looking at houses, completing your loan application and daydreaming about home décor, you’ve finally made an offer on a home. Don’t start celebrating just yet. Do your due diligence by scheduling a home inspection

know what you’re thinking: “I’ve lived in my home for a long time. Do I really need a home inspection?” Yes, you do. You should schedule home inspection services today if:

You want to know about minor issues that could become major problems.

You want to stay on top of your home maintenance.

You want the upper hand during negotiations if you’re selling your home soon.

The Home Inspection Services include:

• Foundation and framing

• Interior walls, ceilings, floors, steps, railings

• Electrical boxes and protection devices

• Plumbing

• HVAC

• Garage doors and operators

• Attic insulation and ventilation

• Roof, including eaves, soffits, fascia, skylights, chimneys, flues

• Exterior, including siding/trim, decks/patios, porches/balconies, walkways, railings, driveways, grading/draining, vegetation, insect issues

Home Inspections You Can Trust

Whether you’re buying or selling your home, or you’re a real estate broker, AmeriSpec can help. team of certified commercial and residential home inspectors has the knowledge and resources to inspect your home professionally – giving you the peace of mind you need to make the right decision. Elsewhere, commercial property inspectors offer commercial building inspections too.

Don’t Let The Home Of Your Dreams Become A Nightmare

Buying a home can be an anxious time. You have found the home of your dreams, but are concerned that it may have poor workmanship or problems such as cracks in the foundation, old or deteriorating plumbing, a faulty heating system, or unsafe or dated electrical wiring. It’s because of these possible problems that you should call the professionals

No matter how much you know, or think you know, or how many friends and relatives you have in the trades, there’s no substitute for the qualified expertise of a trained inspector. A trained inspector knows what to look for, what to focus on and how to assess thousands of different elements of the property. Once the thorough pre-buy home inspection is complete a report is produced that will help you secure your investment, help you understand how you home works, eliminate surprise problems, and bring you the peace of mind you are looking for. A good, thorough, comprehensive inspection report will help you make the right decision

SELLER’S HOME INSPECTION SERVICES

home inspection report is free to view, and attached to the official real estate listing with the agent’s website and listing information. If you’re selling your house, or thinking about selling your house, an OnDemand report makes it easier and more efficient for everyone involved in the home selling and home buying process

The pre-listing report ensures full disclosure at the time of the sale, giving potential buyers more confidence. Getting an inspection and report before listing your home also gives you the chance to fix or make allowance for items that could negatively affect your asking price. This results in more leverage over the price and allows everyone to understand the true condition of your home. The inspection report also ensures that negotiations will be easier, with fewer conditions, and should only have to happen once. No surprises will be found during an inspection after an offer has been made

Accountant Services You Should Leave To A Pro

How do you use a general ledger?

As a small business owner, you need to keep track of your company’s transactions. You can record transactions in a journal and ledger account. Making journal and ledger entries are important steps in accounting.

Journal entries

Every time you make a transaction for your business, you must record it. Transactions go through several steps in the accounting process.

First, you record transactions in a journal. A journal is used to identify transactions. Also known as the book of original entry, the journal is a running list of business transactions. Each line is a journal entry. Entries include the dates, descriptions, and amount of items bought or sold. Journals are separated into different accounts to stay organized. You will have five main accounts: assets, expenses, liabilities, revenue, and equity. Each of the main accounts can be divided into smaller subcategories. For example, you can break down assets into inventory and receivable categories.

If you use a double-entry bookkeeping system, you will also include a debit or credit. Debits and credits are equal but opposite entries. The debits and credits balance each other. Make one debit and one credit entry for each transaction.

Posting journal entries to general ledger accounts

After recording transactions in the journal, transfer them to the general ledger. You must post every transaction from your journal into the ledger. The ledger is the book of final entry. You use the ledger to organize and classify transactions. Each journal entry is moved into an individual account. The line items are called ledger entries.

Transfer the debit and credit amounts from the journal to the ledger account. After posting entries to the general ledger, calculate the balance of each account.

  • Calculate the balance of an asset or expense account by subtracting the total credits from the total debits.
  • Calculate the balance of a liability or equity account by subtracting the total debits from the total credits.

If you don’t want to balance accounts and calculate totals yourself, use basic accounting software to record transactions in your ledger. The software will automatically calculate totals for you.

Without software, you can record your ledger in a spreadsheet. However, this method could be time consuming and lead to more errors while posting to the ledger.

Ledger Accounts

There are five different categories the general ledger is broken down into, and these categories are known as “accounts.” The categories are:

1. Assets

Assets are any resources that are owned by the business and produce value. Assets can include cash, inventory, property, equipment, trademarks, and patents.

2. Liabilities

Liabilities are current or future financial debts the business has to pay. Current liabilities can include things like employee salaries and taxes, and future liabilities can include things like bank loans or lines of credit, and mortgages or leases.

3. Equity

Equity is the difference between the value of the assets and the liabilities of the business. If the business has more liabilities than assets, it can have negative equity. Equity can include things like common stock, stock options, or stocks, depending on if the company is privately or publicly owned by owners and/or shareholders.

4. Revenue

Revenue is the business’ income that is derived from the sales of its products and/or services. Revenue can include sales, interest, royalties, or any other fees the business collects from other individuals or businesses.

5. Expenses

Expenses consist of money paid by the business in exchange for a product or service. Expenses can include rent, utilities, travel, and meals.

The general ledger typically includes a front page that lists the names of the accounts documented within, and this list is known as the “chart of accounts.” The documentation of one account within the general ledger is referred to as an “account ledger.”

Double-Entry Accounting

There are two primary types of accounting methods. The single-account method works just fine if you’re a solopreneur. But, the double-entry accounting method makes it easier to prepare financial statements and improves accountability. So, switching to the double-entry accounting method may be wise.

Regardless of what you decide works for you and your small business, general ledgers use the double entry accounting method: An entry to one account requires an opposite entry to another account. Rephrased: every debit on one account has a credit on another.

A debit is an accounting entry that increases an asset or expense account and decreases a liabilities or owner’s equity account. A “credit” is the inverse.

Because credits and debits lead to the formation of an account that resembles the letter “T,” ledger accounts are also known as T accounts. You find debits on the left and credit on the right.

We’ll look at a few ledger examples shortly, but first, let’s review journals and the accounting equation.

Why the general ledger matters

There are two good reasons why the GL (as all the hip accountants call it) matters.

  • It’s how you get financial statements

Financial statements help you track your business’s financial performance and cash flow. They draw on data compiled in the general ledger.

  • There are three core types of financial statements useful to small business owners: the income statement, the balance sheet, and the cash flow statement. The general ledger matters because financial statements matter.
  • You need it to file your taxes

You (or your accountant) need to refer to the general ledger in order to file your taxes. For instance, if you’re filing a Form 1099 for a contractor, you need to know how much you paid them during the financial year.

  • In that case, checking your invoices against the general ledger will ensure you’re preparing the Form 1099 for them correctly.
  • It gives you one place to view all your transactions

When you record a financial transaction, it’s called a journal entry, because bookkeeping has always been done by hand, in journals. Change is hard, so we still call them journal entries today.

  • The general ledger is where you can see every journal entry ever made. Rather than having to comb through your bank statements, credit statements, and invoices when looking for one transaction, you can just check the general ledger and see your accounting records all in one place.

How to Develop Entries for the General Ledger

Because your business’s bookkeeping transactions are first entered into journals, you develop many of the entries for the General Ledger based on information pulled from the appropriate journal.

For example, cash receipts and the accounts that are impacted by those receipts are listed in the Cash Receipts journal. Cash disbursements and the accounts impacted by those disbursements are listed in the Cash Disbursements journal. The same is true for transactions found in the Sales journal, Purchases journal, General journal, and any other special journals you may be using.

At the end of each month, you summarize each journal by adding up the columns and then use that summary to develop an entry for the General Ledger. This takes a lot less time than entering every transaction in the General Ledger.

Cash Receipts journal entries

A Cash Receipts journal tracks transactions in which the business receives cash. In the following General Ledger entry, note that the debits and credits are in balance, at $2,900 each. All entries to the General Ledger must be balanced entries. That’s the cardinal rule of double-entry bookkeeping.

Account                                   Debit                Credit

Cash                                         $2,900 

Accounts Receivable                                         $500

Sales                                                                $900

Capital                                                             $1,500

In this entry, the Cash account is increased by $2,900 to show that cash was received. The Accounts Receivable account is decreased by $500 to show customers paid their bills, and the money is no longer due. The Sales account is increased by $900, because additional revenue was collected. The Capital account is increased by $1,500 because the owner put more cash into the business.

Cash Disbursements journal entries

A Cash Disbursements journal keeps track of all cash transactions involving cash sent out of the business. The figure below shows how to summarize those transactions so they can be posted to the General Ledger. The following General Ledger entry is based on the transactions that appear in the Cash Disbursements journal in the figure.

Account                                   Debit                Credit

Rent                                         $800    

Accounts Payable                     $750    

Salaries                                     $350    

Credit Card Payable                  $150    

Cash                                                                 $2,050

This General Ledger summary balances out at $2,050 each for the debits and credits. The Cash account is decreased to show the cash outlay, the Rent and Salaries expense accounts are increased to show the additional expenses, and the Accounts Payable and Credit Card Payable accounts are decreased to show that bills were paid and are no longer due.

Sales journal entries

A Sales journal keeps track of all sales transactions. The figure below shows how to summarize those transactions so they can be posted to the General Ledger. The following General Ledger entry is based on the transactions that appear in the Sales journal in the figure.

Account                                   Debit                Credit

Accounts Receivable                 $800    

Sales                                                                $800

Note that this entry is balanced. The Accounts Receivable account is increased to show that customers owe the business money because they bought items on store credit. The Sales account is increased to show that even though no cash changed hands, the business took in revenue. Cash will be collected when the customers pay their bills.

Purchases journal entries

A Purchases journal keeps track of all purchases of goods to be sold. The figure below shows how to summarize those transactions so they can be posted to the General Ledger. The following General Ledger entry is based on the transactions that appear in the Purchases journal in the figure.

Account                                   Debit                Credit

Purchases                                 $925    

Accounts Payable                                             $925

Like the entry for the Sales account, this entry is balanced. The Accounts Payable account is increased to show that money is due to vendors, and the Purchases expense account is also increased to show that more supplies were purchased.

General journal entries

A General journal keeps track of all miscellaneous transactions that are not tracked in a specific journal, such as a Sales journal or a Purchases journal. The figure below shows how to summarize those transactions so they can be posted to the General Ledger. The following General Ledger entry is based on the transactions that appear in the General journal in the figure.

Account                                   Debit                Credit

Sales Return                             $60      

Accounts Payable                     $200    

Vehicles                                   $10,000           

Accounts Receivable                                         $60

Purchase Return                                               $200

Capital                                                             $10,000

Checking for balance — Debits and credits both total to $10,260. In this entry, the Sales Return and Purchase Return accounts are increased to show additional returns. The Accounts Payable and Accounts Receivable accounts are both decreased to show that money is no longer owed. The Vehicles account is increased to show new company assets, and the Capital account, which is where the owner’s deposits into the business are tracked, is increased accordingly.

Whether Moving In Or Moving Out Cleaning, Get The Carpets Cleaned

You do the moving. We’ll do the cleaning.

That’s one less thing to worry about. professional cleaning teams will make sure your property is completely clean and ready for sale, a rental inspection, or for your family to move into

No need to give us a ring or talk to a salesperson. Online quotes are the way to do it.

Fill out online quote form and give you a complete cost breakdown of your move-in/move-out clean. Need a carpet steam clean? How about wall washing? Just choose from any of extras and simply add them on. You’ll always know exactly what you’re paying for. No rude surprises.

Want proof that your move-out clean was amazing? We’ll send comparison photos so you can see the results for yourself.

Bet you’ve never had a cleaners do that before. Check out gallery to see some of the icky-to-awesome results that achieved for clients.

During checkout, you can choose to let your agent know that you’ve booked. send them an email with your scheduled cleaning date, the services you’ve requested, and information about reclean guarantee. If they let know about any issues after final inspection, we’ll go back and fix them. No questions asked.

Cleaning you can actually see. We’ll send comparison photos after every clean so you can see the results for yourself.

The Ultimate Move-Out Cleaning Checklist

No matter if you’re relocating to a new apartment or buying a new house, moving can be pretty stressful. When you have a lot on your mind—packing up, picking renters insurance plans, changing your mailing address—cleaning the place you’re moving out of can quickly fall down to the bottom of your to-do list. While hiring a cleaning service can help you check off this task, handling it yourself will save you some money and lets you tackle the cleaning on your own schedule. Decided to do the cleaning yourself? We’ve compiled the move-out cleaning checklist below so you can quickly make sure you have all of the frequently forgotten spots covered.

Renter’s Guide to Move-Out Cleaning

If you’re a renter, cleaning before you move out is important in order to get your security deposit back and to avoid a cleaning fee from your landlord or the building’s management company. Before you start scrubbing, confirm what the expectations are. Sometimes management will provide their own cleaning list for you, and some leases will even state upfront what the costs will be if the place isn’t properly cleaned before you move out. Below are the move-out cleaning basics you should be sure to cover.

Cleaning Tips

Clean from top to bottom. Just like we recommend for your regular cleaning routine, dust surfaces high up in the room, like ceiling fans or shelves, before cleaning lower surfaces, like floors. This way, you won’t accidentally waft dust onto just-cleaned areas.

Work in stages. Depending upon how large the space is, cleaning all at once may be overwhelming. Break it up into chunks of time, starting with the areas you’ll use the least between now and move-out day, such as a guest bedroom.

Allot time for last-minute cleaning. Even if you clean in advance of move-out day, there are some things you’ll have to clean right before you leave, like the bathroom. Remember that once the furniture is moved out, you’ll likely have to sweep up the dust bunnies that are uncovered.

Move-Out Cleaning Checklist

Dust the ceiling fans       

Try the pillowcase trick or this looped duster.

Remove any nails or screws from the walls            

If you used hardware to hang up artwork or shelves, now’s the time to remove them and fill the holes with putty.

Wipe down walls and molding     

A dry microfiber mop will make quick work of this. Grab a Mr. Clean Magic Eraser to get out any scuffs or marks.

Clean the windows and wipe window ledges         

Wash the doors

Wipe them down with a damp microfiber cloth

Sweep and vacuum, then mop the floors 

Dust any vents or exhaust fans    

Dust blinds or window treatments (if you’re leaving them)

MOVE OUT CLEANING

Are you moving out and need to leave your home cleaned from top to bottom? Moving is a stressful undertaking even without the time-consuming cleaning task. Schedule the best move out cleaning

Moving is an exciting transition in life but it comes with a challenge. There is so much to do and so little time. With so many things you need to handle and organize, cleaning is the last thing you want to worry about. So let cross off this task from your moving checklist. experienced and skilled cleaners will see to it that you move out with the least hassle possible!

Hand over your cleaning task and you can rest assured that cleaning go-getters will clean every nook and cranny of the home you’re moving out of. When finish, the entire house or apartment will look flawless and guarantee your landlord and property manager will be amazed at the cleanliness of the place

In case you are putting your home on the market, it will be ready for open houses and look impeccable in photos. also offer both move out and move in cleaning services and can make your new home spic and span as well so you can focus on other important things. want you to feel good in your new place the minute you move in. Whatever your cleaning needs

have all undergone stringent vetting process and extensive training. hire only those cleaning professionals who are highly qualified, skilled, efficient, dependable and personable. They are all enthusiastic about cleaning and will go the extra mile to exceed your expectations – every time you schedule services!

Things You Must Do When Moving Out of Your Apartment

When it’s time to move on from your apartment, it’s tempting to just throw your stuff in some boxes and go. But, not so fast. Remember when you initially signed your lease and paid your first and last month’s rent? That’s right….you also paid a hefty deposit

Give Ample Notice

Check your lease to know what’s required; on a month-to-month lease, it is typically 30 days, but make sure you give written notice at the correct time

Check the Balance

“Ensure that all rents and fees have been paid in full,” says, vice president of operations at apartment manager and developer Kittler Management. It’s not unusual for tenants to think they’ve paid their maintenance fees and realize they haven’t, for example.

Leave No Trace

You don’t want to leave anything behind, whether it’s trash or a really sweet couch that you think the next tenant might like, says, a cleaning expert from Merry Maids. Even if you thinking you’re being helpful and leaving cleaning supplies or other “necessities,” the landlord may not see it that way and charge you.

Clean, Clean, Clean.

The importance of this cannot be overestimated. Johnson recommends tackling your cleaning procedures from the top of the room and working your way down:

Begin by removing any cobwebs from the ceiling, track lighting or ceiling fans.

Next move to the windows – vacuum window treatments, or wash and launder them, before hanging them back up. Use a microfiber cloth to dust and follow up by washing the blinds or shutters with warm water and wood cleaner, floor cleaner or dish-washing liquid. These all have a neutral pH and are safe to use on these surfaces, she notes.

Wash any other wood items in the room and evaluate the condition of the baseboards, doors and window trim to determine if washing is sufficient, or if it’s time to do some repainting.

Check the walls for scrapes or scratches and repair the spots, as necessary. Patch up any holes from wall mounts with spackling paste “Depending on the condition, it might be time for a fresh coat of paint on the walls if your lease permits it,” she adds.

Finally, finish the room by cleaning the floors. If it’s a carpeted surface, you may only need to vacuum; however, after moving, you might consider hiring a carpet cleaner. If it’s a hard surface, be sure to wash or steam the floors.

Don’t overlook details: In the bathrooms and kitchen, the inside of the cabinets and drawers should be washed. And the shower might need some extra TLC. “One cleaning will not typically suffice – the shower may be a daily project until the surface is completely restored and may take several days to tackle,” says

Make Ready Cleaning

This is also known as Move-In/Move Out Cleaning. This type of clean is needed when moving in/out of a new apartment or home. make it ready for someone else to move in. During a make ready cleaning professionals sanitize all surfaces including inside/outside all kitchen/bathroom cabinets and inside/outside kitchen appliances. clean even behind kitchen appliances if possible. have a make ready checklist that the cleaning staff uses to ensure that nothing is missed. Whether you are preparing for a rental tenant or doing rehab for retail, professionals can help you get show ready

Make ready cleaning is not common knowledge. It is something better left to the experts. This type of cleaning takes a skilled eye and an attitude of excellence. When a family moves out of a home, there are all types of dirt and grime left behind. During this type of clean, it is necessary to sanitize every surface. After all, moving into a new home is enough stress without having to worry about what may be on the surface of the things that your kids keep touching

Make ready cleaning can be very time-consuming work because it is a sanitation clean. During a make ready cleaning our professionals sanitize all surfaces including inside/outside all kitchen/bathroom cabinets and inside/outside kitchen appliances. This type of clean is needed when moving in/out of a new apartment or home. Sometimes tenants leave property without performing move out cleaning. This can be stressful on management and the tenant. Please note that all furniture, debris, clutter and other trash must be removed prior to cleaning. This is a clean-only service. If you are in need of trash-out services please let office know when getting an estimate. The house or apartment must be vacant and the utilities (water and electricity) must be turned on.

Move Out Cleaning

When tenants move in and out of an apartment, it is necessary to hire a professional for move out cleaning. You should be able to show an apartment without having to make excuses or be embarrassed. Make ready cleaning can be an asset to keeping vacancy at a minimum.

Rental Property

Rental property can be an excellent form of income if it is maintained properly. Make ready cleaning is very important when considering rental property. Prospective tenants aren’t just looking for any place to live, they are looking for a good place to live. When showing rental property, a tenant doesn’t just look at the potential of the place. Move out cleaning is one of the things potential renters are looking for. The tenant looks at how well maintained the property is. If the property is poorly maintained it gives the impression of carelessness. This also lets the tenant know that the landlord or property manager is less likely to repair maintenance issues. This is why it is so important to clean up your rental property before showing it. That will help fill gaps in occupancy quicker.

Plastic Surgery Pros And Cons For Your Procedure

Does plastic surgery have side effects?

Plastic surgery is a type of operation that involves the alteration of human tissue with the purpose of modifying the appearance. There are different types of plastic surgery. Each of these surgeries focuses on a certain part of the body.

All of these types of plastic surgery are performed by professional surgeons to ensure accuracy. During the procedure, the tissues are reconstructed and altered to give the patient a different appearance from the previous one. However, many people fear the side effects that may arise from undergoing a plastic surgery.

Like any other medical treatment or operation, plastic surgery is accompanied by a number of potential side effects. These side effects are worth considering before undergoing a procedure. Some of these side effects may be positive, while others will be negative.

Following are the effects that can occur after plastic surgery:

Physical pain

The most common complaints after plastic surgery include nausea, vomiting, headaches and prolonged pain. Inflammation will also occur around the area where the surgical procedure is performed.

Blood loss

Extreme blood loss is an indication of something wrong during surgery. A large amount of blood loss can cause organ failure or even death.

Possible allergic reactions

It is very important for patients who want to undergo plastic surgery to know all their allergies. It can be allergic to metals (surgical instruments) or certain drugs.

Hematoma

A collection of blood (hematoma) under the skin that causes swelling and pressure is the most common complication of facelift surgery. Hematoma formation usually occurs after 24 hours of surgery.

Nerve injury

Nerve injury can affect the nerves that control the muscles. Temporary paralysis in certain muscles will result in an incompatible facial expression.

Hair loss

You may experience temporary or permanent hair loss. It can be overcome by surgery for skin transplants with hair follicles.

Exfoliation

A facelift can interfere with blood supply to the facial tissue. It can cause the exfoliation.

Surgical Risks

Implant rejection, blood clots, scarring, skin necrosis, nerve damage, and pigmentation are all risks associated with this type of surgery. Smokers may also face the risk of an extended amount of healing time, while those with any vascular conditions will need a longer healing plan as well. Shock, respiratory failure, and cardiac arrest are all things that can happen right on the operating table. There are also a few cases in which a surgeon has accidentally left a tool inside of the patient’s body—and sewed it up. This will lead to infection and will require additional surgery in order to remove it.

Huge Financial Costs

Plastic surgery is not a cheap thrill by any means. Many procedures cost tens of thousands of dollars, and the cost only goes up with the experience of the doctor and the intricacy of the procedure. The patient will need to take time from work in order to make a full recovery. Small procedures may take a few days to heal while other more detailed procedures may take weeks for the body to fully recover—this is (normally) all time that is taken off from a full time job, a huge financial loss.

Tummy tuck

Tummy tuck, also referred to as abdominoplasty. The operation is performed to alter the shape and size of the tummy. This is achieved by reducing the amount of fat and sagging skin around your tummy.

If you undergo this type of plastic surgery, you may have positive side effects like having a smaller tummy, reduced risk of complications brought about by a large tummy, and looking much thinner. However, the operation is accompanied by negative side effects as well. These side effects include scarring. One will have scars on the stomach as a result of the procedure. Reduced flexibility will also be experienced since you will be on bed rest until you have healed. 

Smartlipo plastic surgery

This is one of the simplest plastic surgeries performed. The procedure requires just a local anesthetic and is completed within a short time. Tenderness that will last for a few days, swelling and bruising are some of the side effects for this procedure.

Rhinoplasty surgery

A type of plastic surgery performed on the nose. The main purpose of this surgery is to alter the shape and structure of the nose. Positive side effects resulting from this procedure are a good-looking nose that you’re satisfied with. Negative side effects may include numbness, bloody nose, scarring, swelling, and nerve damage that could be permanent.

Emotional Damage

Those who undergo plastic surgery run the risk of missing the feeling of fulfillment after they have undergone their procedure. Those who did not feel satisfied often went back to have additional work done. When the procedure yielding results other than those expected, the patient may also feel resentment or anger toward their doctor.

The Risk of the Procedure Going Wrong

As with everything, there is always a risk that it just doesn’t turn out exactly as planned, no matter how much time and thought went into it. Many times individuals will end up with some very heavy psychological repercussions when a procedure did not end up looking the way that they visualized. The physical features can end up severely distorted, causing the patient to seek treatment and medications to deal with it. There are many cases of plastic surgery gone wrong, so a simple internet search will yield all of the proof needed.

Online Car Dealer Loan Adviser Information For Consumers

What should you not do at a car dealership?

A lot of people will offer hints on what to do in the dealership when it comes time to buy a car. And tips on test driving, negotiation, and financing are valuable. But the path to a car purchase is so strewn with boulders that if you don’t watch your step, you can stub a toe or even break a leg, metaphorically speaking. Car buying can be such a complicated process that knowing what not to do in the dealership might be even more important than knowing what to do.

If you do one or more of these seven things we advise against, it will make getting a good deal harder. Don’t make things more difficult for yourself. You want to land the right vehicle for the best possible price, so here’s what you should not do when you visit the dealership:

Don’t Enter the Dealership without a Plan

You can stroll into a restaurant without knowing what you want to eat and get a good meal. You can wander into a big-box store just to kill some time and walk out with a decent microwave oven or button-down shirt. But if you mosey into a car dealership lacking a plan, there is a good chance you’ll come out with a crater-size hole in your bank account. Not only that, your misspent Saturday morning could haunt you for years to come. A car purchase should not be an impulse buy. Know—don’t guess, know—what your current car is worth, what the car you plan to buy is selling for, how much money you can put down, and how much money you can spend on a monthly car payment. If you know all this going in, you’ll be way ahead of most car buyers.

Don’t Let the Salesperson Steer You to a Vehicle You Don’t Want

Typically, a dealership is always trying to sell the vehicles it has in stock, Fuller told us. And that is not always in the best interest of the customer. “If the salesperson really knows the inventory, then he or she is trying to match up the customer with something that can be sold today,” Fuller said. If you are not specific and firm about what you want, the dealership will attempt to put you into a vehicle that it’s trying to move, even if it isn’t what’s best for you. Don’t let yourself be sold a car.

Don’t Discuss Your Trade-In Too Early

It’s almost always possible—with time and effort—to sell an old car privately for more than the dealer offers in trade. Many buyers nevertheless find the convenience of driving their old car in and their new one away compelling. If that’s your aim, research the value of your trade-in beforehand but decline offers or pressure to discuss it until after you’ve settled the price on the new car. If it turns out that you’re “upside down” on the old car—that is, you owe more money on it than you’re getting in trade—you probably don’t belong in a new-car dealership yet. At the least, the car should be sold privately to pay off the debt. Yes, the dealer will offer to roll your old debt into a new loan. But that’s not a good idea.

Don’t: Tell Them Your Limit On Monthly Payments

One thing you shouldn’t go in saying is something along these lines: “I’m looking for monthly payments of no more than $350.” Even though monthly payments are probably an important factor for a buyer, don’t discuss this with a dealer during negotiations.

The first step is always to settle on a price before you enter other negotiations. Deal with one thing at a time. Price first, monthly payments second, and we’ll explain why in a second.

Just know that if a dealer asks you what you’re comfortable paying every month, tell them that you aren’t comfortable discussing that until you both have determined the overall price of the car. Always deal with total price before you talk financing, because things can get confusing otherwise.

Don’t: Ask How Much You’ll Get For Your Trade-In

If you have a trade-in to discuss, be sure not to mention this until you’ve negotiated the deal on the price of the car you’re set on buying. It might be tough, because you’re excited to be buying a new car and to be get rid of your old one, but trading in a car and buying a car are two separate transactions, and should be treated as such.

If you throw your trade into the negotiation, a dealer can leverage that to confuse you on how much you’re actually paying for the car you’re buying. Also, if the dealer knows he owes you a set price on a trade-in, it might be tough to get him to help you out on lowering the MSRP of the car you’re buying. If the dealer asks if you’re trading in, just say you’re considering it but haven’t decided.

Don’t Waste Your Money on These Costly Add-Ons

After negotiating a price for a new car, you might think that the amount you’ll have to pay before driving off the lot is set in stone. Then you enter the financing office, which can be the most dangerous place in the dealership for your wallet if you’re not prepared.

When you buy or lease a car, most finance managers or sales consultants will try to sell you several add-ons. Knowing which dealer add-ons are worth it and which are not can save you thousands of dollars. Before you buy, it’s crucial you research the products, their prices, and their availability outside of the dealership.

Unfortunately, some of the add-ons you’ll be offered are of questionable value, have massive markups, or can be found from other sources for a fraction of the price. Dealerships won’t typically offer rustproofing or undercoating these days as they did so often in the past. Still, they have a plethora of pricey new add-ons, with aggressive sales pitches to match.

There are benefits to buying some things at the dealership. Some add-ons can be included in your financing, so you don’t have to pay the full price upfront. Some are covered by your car warranty and can be serviced at the dealership if they fail. Quite often, however, the benefits are outweighed by high markups and the interest you’ll have to pay if you include them in your car’s financing. Because add-ons don’t typically add value to a vehicle, they can leave you with an auto loan balance that’s far higher than the car’s resale value.

On the following pages, we’ll explore some of the add-ons you’ll likely be offered at the car dealership. Many are available with cheaper options elsewhere.

Extended Warranties

Start talking about extended warranties, and you’ll find that people don’t agree whether they’re great or a waste of money. Extended warranties, vehicle protection plans, and vehicle service contracts promise to pay for things that fail after the manufacturer’s warranty ends.

If you pay full price at a car dealer for an extended warranty at the time you buy your car, you’ll likely overpay – sometimes by thousands of dollars. Extended warranties, especially those backed by the car’s manufacturer, may save you some money if you have a catastrophic vehicle failure after your car’s original warranty expires.

When it comes to third-party extended warranties and service contracts, the only thing larger than the markup is the amount of fine print in the contract.

There’s simply no way to thoughtfully research an extended warranty offer while you’re in the dealership’s finance office, and it’s a huge mistake to try. If you do want to consider the warranty, insist on seeing the actual contract, as the glossy brochures don’t ever include all the details and exceptions. It’s a good idea to contact the Better Business Bureau or other consumer advocacy agency where the warranty company is based. You want to see if other consumers have filed complaints and how long the company has been in business.

With any extended auto warranty, a key consideration is where you can get extended warranty service. If the only repair shop you can use is the dealer you purchased the car from, the service contract becomes worthless if you move. Be sure to look at repair deductibles, and the process for getting a claim approved. 

Despite any pressure they may apply, you don’t have to buy an extended warranty at the same time you buy the car. You also don’t have to purchase an extended car warranty from the dealership, unless it’s the brand’s own program. Instead, you should talk to your lender, insurance agent, and do some online research to find and price other options.

The best car buying tips:

Don’t just think about the monthly payment.

The most important car buying tip I can offer in this blog post is that you should not just care about the monthly payment. You should only purchase what you can actually afford. Just because the monthly car payment looks affordable, it doesn’t mean that it actually is.

There are car payment terms that are as long as 96 months, which is just crazy to me. A car salesperson may stretch out the car payment so that it looks to be more affordable for you, but you should be aware of the whole cost, which includes things like interest and taxes. Please, please, please, look at the whole cost and see if that’s actually an affordable amount for you to be paying.

Shop around for your own financing.

If you have to finance your car purchase, make sure you shop around before you agree to the dealer’s interest rate. Sometimes the dealer has the lowest rate, but sometimes they don’t. You may be able to save yourself hundreds of dollars a year by simply shopping around. Plus, it’s extremely easy to shop around for the best interest rates – start with local credit unions and banks!

Go to a few car dealerships.

You can shop around car dealerships both online and offline.

I recommend shopping online before you go to a dealership, this way you can be prepared by learning as much as possible in advance. You also won’t be wasting your time at car dealerships that can’t get down to the price you want.

Don’t add small and unnecessary extras at the end of your purchase.

When you are about to purchase a car, you will be encouraged to buy many small options that you may not need. This may include extras such as:

  • Tire replacement
  • Paint protection
  • Extended warranties

While you may believe that you need some of the above options, you should make sure that you’re not just thinking about the monthly cost. The financing manager will offer you these extras in a way that makes it seem affordable. But, these extras only appear inexpensive because they are padded into your monthly cost, so don’t be fooled by how “affordable” they seem.

Unwanted Silverfish Pests That Can Be Damaging To A Home

How to Get Rid of Silverfish

How to Get Rid of Silverfish Before They Eat Your Belongings

People worry about fire, flood, and vandalism causing damage to their cherished items. Those are valid concerns, and those worries keep insurance companies in business. You may be less familiar with how devastating silverfish can be when it comes to artwork, books, photographs, and other belongings.

Improper storage techniques can encourage this particular type of insect infestation and lead to the total destruction of the items you boxed up and tossed into the basement. Silverfish cause damage to a wide range of items all store in basements and garages. Read on to learn more about silverfish and how to get rid of them before they eat your belongings.

What are Silverfish?

Silverfish are wingless insects about a half-inch long that come in various shades of silver and are common to households. With two long antenna up front and three long prongs coming off their back end, silverfish can look creepy crawling across your basement floor. The good news is that silverfish pose no real threat to people or pets. However, those with asthma or severe allergies can experience respiratory irritation if they are close to silverfish for long periods of time

What Do Silverfish Eat?

Silverfish will eat any materials that contain starch. That means they will happily eat your:

Paper products

Wallpaper

Plaster

Books, including the glue holding them together

Fabrics

Carpet

Flour- and sugar-based food products

Pet food

And much more

How to Get Rid of Silverfish

To get rid of silverfish you need to lower the humidity level of your home and work to remove food sources. They like dark, damp environments, so check for plumbing leaks and run a dehumidifier. Wipe up crumbs immediately and keep trash and clutter from piling up. When silverfish find food is less plentiful, they will move along or die off.

silverfish control

Silverfish are an ancient species of small, wingless insect. Their common name comes from their resemblance to a fish. Silverfish are a common indoor pest year-round, especially in attics and spaces in between walls and under flooring where conditions are moist and warm.

Silverfish eat starchy carbs, including many things you probably didn’t even know were edible!

Glue? Yep, that’s one of a silverfish’s favorite foods! Adult silverfish eat all kinds of starchy human foods as well as paper, cotton, linen, silk and glue. Silverfish seem to especially enjoy the glue that is used to bind books.

habitat

Silverfish are uniformly a silvery gray color and are small, elongated, and mostly flat insects. Their slim bodies allow them to access homes from the outside quite easily. Once inside, silverfish thrive because many of the things they like to eat are common in homes or businesses and they have many available hiding places.

what proof. professionals do to get rid of silverfish

Because silverfish are mostly nocturnal and reclusive, they are difficult to get rid of, even for the seasoned professional. Keeping a consistent barrier on the foundation will help keep silverfish from entering the home. Once they’ve gotten inside, it is always recommended to call a local exterminator.

Common Problems Caused by Silverfish

Seeing a silverfish for the first time can be a bit disturbing. These tiny silver insects are quite strange and look like they would be more at home walking across the surface of some distant planet. While you might be able to stomach their weird and gross nature, you may be wondering if silverfish are a problem in your home.

Paper and Books

Silverfish love climbing into boxes and drawers and feasting on paper materials. They get nutrition from starches and cellulose in paper, boxes, and pictures. When you have silverfish in your home, important documents and treasured memories are at risk. In addition, silverfish can consume the glue and bindings of books, leaving some of your library literally falling apart at the seams.

Food

As with paper, silverfish are fond of consuming starchy foods, but other foods can be at risk due to their packaging. Not only can silverfish contaminate food with germs brought in from the outside, but destruction of food containers can expose food to air, making it stale or inedible.

Fabric

Silverfish can and will eat fabric, especially fabrics made out of natural fibers. As a result, your bed and your closet could be at risk. Not only will silverfish nibble on your sheets and blankets, but they can also eat clothing as well. Silverfish prefer clothing made of cotton or other natural materials, but they will also eat synthetic clothing if enough sweat or dead skin cells are on it.

You might brush off silverfish as a minor nuisance – but why put up with them if you don’t have to? Why allow your clothing, tapestries, bedding, draperies, wallpaper, food products, photos, books, and other belongings to get ruined?

WHAT DO SILVERFISH LOOK LIKE?

Silverfish Life Cycle

Complete Metamorphosis (immatures look the same as adults, no eggs, no larvae stage)

Silverfish Size and Color

1/2″ to 1″ long, with colors ranging from gray, to silver to brown.

Silverfish are gray to brown and all have the same characteristic shape. Their bodies are flattened, long and slender, broad at the front and tapering gradually toward the rear. The antennae are long and slender. Three long, slender appendages are found at the rear of the body. These give rise to the common name, “bristle tails.” All silverfish and firebrats are wingless. The young look like small adults, and their development takes place without metamorphosis

WHERE TO FIND SILVERFISH IN YOUR HOME

Silverfish may be found almost anywhere in a house. However, they usually will be found living close to their source of food. They eat a wide variety of foods containing proteins or carbohydrates. Such things as rolled oats, dried beef, flour, starch, paper, cotton, some synthetic fibers, sugar, beef extract, dead insects, glue, paste and linen are all normal items of their diet. Silverfish can live for long periods of time without food.

WHAT DO FIREBRATS LOOK LIKE?

Most firebrats, except for the common pest species, live outdoors under rocks, bark, leaf mold, in the nests of birds and mammals, or in ant and termite nests. They prefer warm temperatures and are numerous outdoors, especially in the tropics. In the United States, depending on the species, they are usually found indoors in areas associated with heat, such as boiler rooms or moisture, such as near water pipes. They are commonly found in bathtubs where they become trapped while seeking food or moisture. Firebrats and silverfish are most active at night and can run very swiftly.

These insects are primarily a nuisance, but they do consume small amounts of human foods and contaminate it with their body scales and droppings. They can do considerable damage to some natural and synthetic fibers, books and other paper products. Their feeding marks are irregular and often appear as a surface etching which may not even penetrate paper. They may also leave yellow stains, especially on linens.

The silverfish is found in all parts of the United States as well as over much of the rest of the world. The adult’s body is about 1/2-inch long, with a uniform silvery color all over the upper surface. This species prefers temperatures of 70-80 degrees F and moist situations. Eggs are laid in protected situations, such as behind baseboards, and hatch in from 20 to 40 days depending on temperature and humidity.

Silverfish and Firebrats

Silverfish and firebrats can be nuisances in homes, consuming and staining books, fabric, foods, and wallpaper. These insects prefer starchy foods such as flour, rolled oats, paper, or glue.

Significant damage occurs only if a large popula­tion is present for a long period. Damaged paper may have notched edges or holes. Book bindings can have ragged edges or marks. Items can be stained by fecal material, cast skins, or scales

Biology and description

Silverfish and firebrats have long, flattened bodies that taper at the end like a carrot. They have chew­ing mouthparts, long antennae, and three tail-like projections at the end of the abdomen. They have no wings. Both species have fine scales that cover their bodies. Silverfish and firebrat immatures look like the adults, only smaller.

Silverfish and firebrats typically run quickly and are active mostly at night. In homes, they are often found in closets, in attics, or near bookcases; they hide behind baseboards or casings around doors and win­dows.

Females lay eggs singly or in batches either daily or at irregular intervals, depending on how much food is available. If temperatures are low-about 70 degrees F-the eggs will hatch in about 40 days; in temperatures of about 90 degrees F, they will hatch in about 20 days.