Browsed by
Month: January 2022

Dealing With Contractors To Make Home Repairs

Dealing With Contractors To Make Home Repairs

Dealing With Contractors To Make Home RepairsThe are many different costs associated with homeownership, and unexpected repairs account for some of those expenses. All it takes is a simple electrical short or broken pipe to make your property uninhabitable. If you are ever confronted with a home repair bill you can’t afford, consider a bad credit signature loan to pay for it and keep your financial footing.

Depending on when your home was built, there are a number of different repairs that are common to certain eras. For example, if it was constructed between 1940 and 1960, it may have drafty windows, electrical systems too small to handle you demand and asbestos issues, says AOL Real Estate. Meanwhile, home constructed between 1960 and 1980 commonly have issues with attic and roof ventilation, wiring and the siding.

No matter what the problem is, an unexpected home repair can really ruin your day. But even if you come up with the available funds to pay for repairs, there’s always the off chance the contractor you hire may take you for a ride. This is especially important for homeowners in the Northeast affected by Hurricane Sandy.

“When you have 10,000 houses that need repairs and you have three contractors, there’s going to be some price inflation,” Joseph Hammond told Fox Business. “There’s nothing you can do other than pay what you need to pay to get the work done. With that said, if the price is triple or excessively higher than projected, that should serve as a red flag.”

Check Out Their Experience
In the age of the internet, there are a number of different outlets to find contractors to make home repairs you can’t do yourself. With a few clicks of the mouse, you can instantly have access to reviews and other information from professionals in your area. It’s generally recommended to only hire a contractor with several years of experience.

Meanwhile, if you have any friends or family in the area who recently had work done of their homes, ask them how their experience was and if they would recommended their contractor.

Are They Certified?
In most states, people who work on your home are required to have special certification. This can help ensure they are qualified to do the job and it keeps you safe. However, this doesn’t guarantee that the individual will be great at their job, but it certainly weeds out any amateurs.

Additionally, some areas record grievances and complaints from homeowners about contractors. Once you obtain their certification number, you can likely search it online to find any issues the contractor in question may have had in the past. These problems listed can range from going over budget to doing a shoddy job.

Get A Quote
When shopping around for a contractor, it’s a good idea to get quotes from at least a few professionals. This will make sure you get the best person for the job.

Contractors generally give you a price estimate for a repair job as a single dollar amount, but if you get these expenses itemized, this will help you stay on top of exactly where all of your money is going. Just remember, while it may be tempting to go with the contractor with the most affordable quote, spending a little extra for better craftsmanship could be a better decision.…

Financing Your Furry Friends: the Real Cost of Pet Ownership

Financing Your Furry Friends: the Real Cost of Pet Ownership

Pets are an integral part of the American household. Some families are willing to spend a significant amount of money on supplies and trips to the vet. Others throw elaborate birthday bashes and even include their dogs and cats in their Christmas shopping plans.

Nearly 90 percent of the 64.1 million dog owners and 63.8 million cat owners consider their pets part of the family, according to Pet Finder. This mindset not only results in increased spending on pets, but may also impact consumers’ major financial decisions.

An estimated 63 percent of dog owners bought a home while keeping their pet in mind. In addition, 37 percent of cat owners have let their pet impact their decision making when they purchased a car.

With the holiday season approaching, 63 percent of dog owners and 58 percent of cat owners plan to purchase gifts for their pets. This equals an estimated $5 billion in holiday spending. A notable share of dog owners also throw a birthday party in honor of their pet every year.

Costs Of A Trip To The Vet

Similar to human medical bills, a trip to the vet can cost a significant amount of money.

According to the American Society for the Prevention of Cruelty to Animals, the average annual costs of vet care for a cat is $160. Dog owners face average costs closer to $235. Meanwhile, one in six pet owners face vet bills totaling more than $1,000.

Larger bills could be the result of owners not taking their pets to the vet for annual checkups. Failure to do so often allows minor ailments to evolve into more serious conditions. However, this can be difficult, as nearly one-third of Americans claim they can’t afford vet visits.

Whether it’s for an annual visit or during an emergency, there are a number of ways to cope with the cost of the vet. Dipping into your savings, using your credit card or taking advantage of small personal loans are all viable solutions. Examining your budget is the best way to determine which option meets your financial needs.…