A Brief Look at Credit Cards

Many people are quite nervous when they hear the word credit. If credit makes you nervous, you likely need to become better educated on finances. Credit is not something that you should fear, but is something that you should use responsibly.

It is a sound financial practice to keep two or three credit card accounts active. Doing so is very helpful when you’re trying to build a good credit score. It is important, though, to pay the cards off in full each month. Be mindful, though, that if you open four more card accounts, lenders may see your credit in a bad light when they evaluate your credit reports.

Closely track all your credit card purchases so that you stay within your budget. When you use a credit card, it can be easy to lose track of how much money you are spending. Use a spreadsheet or a notebook to write down your expenditures.

You will want to make sure all your payments are made on time each month. Credit card companies love to charge you the extra fees when you don’t. The only way to avoid these fees is by paying your card on time. On-time payments also your credit score.

It’s great to always have a credit card on hand in case of an emergency. You may find yourself on the side of the road and need to call the best towing service but discover you do not have cash. A credit card can help you get out of that bind and safely get back on the road.

Now that you have read this article, you likely feel more comfortable about credit cards and their use. When you use the tips in this article, you will not only understand credit cards better, but also realize the benefit and the possible challenges they can bring to your life.

Getting ready for the busy season at work

Business is interesting.  I own my little shop where I make creations for decorating (not just wreaths).  And business seems to be steady and grow in a nice pace.  And it’s pretty predictable.  My husband has a construction company and know the schedule of his work too.  Certain times of the year we don’t plan for anything other than work, because we know he’ll be swamped.

I have a brother that has a restaurant kitchen hood cleaning business in Las Vegas.  It’s a pretty new business and he hasn’t been able to put his finger on the seasonality of it.  Apparently, restaurant hood cleaning has no ups and downs in Las Vegas Nevada and is just pacing along without any seasonality.  I know it’s good for him but it makes me realize that I may never see my favorite brother ever again. Unless I go to Las Vegas and go out hood cleaning with him!

Anyway, my point was going to be this: if you own a small business, you really need to figure out your high times and low times so that you can allocate your time properly.  Or at least, so that you don’t drive yourself crazy in trying to figure out why your business went one way or the other.


Pilot Car Directory for finding oversize load escorts

Just a shout out to pilotcarfinder.com for their new online database directory of pilot car operators nationwide.

It’s a great site with easy to use lookups and fantastic speed.  The guys at Pilotcar built it in Ruby on Rails and are hosting it on a cloud provider called Heroku (owned by salesforce.com).  JR Fent and Irl Kellum are the owners and developers of this niche startup.

We asked JR Fent why such a small niche?  “I met with entrepreneurs at a company called G5 Marketing a few years ago. They were doing work with Self Storage businesses.  I asked them that same question and their answer stuck with me. – Not sexy, but underserved.”

With that in mind, JR and Irl built an incredible web application for a very small, not sexy niche business category.  Hats off to them for that!

After looking at how pilotcarfinder.com performs, I can see other uses for the directory technology that they built it in.   I’m sure that Pilot Cars will not be the last web property they build on this very elaborate and awesome frame.

So, whether you’re a pilot car service company or a trucking company that needs pilot cars and wide load escorts ( or oversize load escorts), this is the place to go to find them anywhere in the USA.

JR said that: soon they will be adding a load board portion of the program too.  That will allow pilot car operators to find upcoming requirements for truckers.  This should be helpful if a pilot car will be going out of its home base area and might be able to pick up a job or two on the trip back.

This feature will allow truckers to put the trip on the load board and get bids from pilot car companies that would be interested in taking on the job.  Very cool.

The Best Home Remodeling Contractors

Remodeling can take a considerable amount of time, and repairing a poor remodeling job may cost more than getting the job done right the first time. Remodeling can be simple and cost effective by simply adding a few touches to an existing design.


Contractors agree that of all the projects they tackle, Bathroom Remodeling is the least liked.Home remodel contractor require cabinetry for a storage and organizing solution and space saver. Bathroom remodeling is done for both commercial and residential bathrooms in either homes, offices, or other properties. Remodeling your bathroom is
going to be a job that requires some forethought.

It’s just as important to find the right set of contractors but the process of finding and selecting the bathroom contractors that are right for you is often overlooked. First you need to find and contact a number of contractors and ask them to give you a quote for the job. Unless you are a die-hard do it yourself, you may want to check with as many contractors as you can and find out their pricing.

If you don’t want to go through the time-consuming process, you should get estimates from at least three contractors and ask that they break down their estimate into sections, so you can see how much each item will cost such as wood flooring for the dining room, laminate flooring for the entry and bathrooms, and how much they will charge for under floor heating.

Many general contractors can create custom-made vanities, showers, and tubs, but the cost of custom-made fixtures is higher than that of off-the-shelf ones. Home remodel contractor and general contractors on the whole, should have the expertise to handle your entire remodeling job. Professional contractors in your area are waiting
to bid competitively on your project.


As with any home remodel contractor project you will want to assess your own priorities and budgetary requirements prior to making any final decisions or commitments. Taking the proper time before the start of project and working in cooperation with your home remodel contractor can cannot only make this a bearable experience it can make a key difference in the time to completion, the way the remodeling project progresses and finishes and completes. Before you get going on your remodeling project, make sure to take the time to think about what decisions you’ll have to make as you go.

Considerations for Hiring a Home Remodeling Contractor

Define Your Project

Homeowners decide to remodel for a variety of reasons. They may have outgrown their house and need more space. They may need to spruce things up to sell in a competitive market. Or, an update from old to new may better fit the homeowner’s current lifestyle and desires.

home remodel contractor plans

Establish a Budget

Once you have a good picture of what you want, you need to figure out how much it will cost. Learning about approximate labor and product costs can eliminate disappointment later. And unfortunately, things are usually more expensive than homeowners figure. To avoid having to scale-down your dream project, determine upfront if you can afford your initial plans. t’s a good idea to start calling your top candidates for a short phone interview. Most importantly, you want to confirm each company handles projects sized like yours and is wants to take it on.

Interview Your Candidates

It’s a good idea to start calling your top candidates for a short phone interview. Most importantly, you want to confirm each company handles projects sized like yours and is wants to take it on.

Vet Your Top Candidates

You should have collected a huge amount of information during your interviews; now’s the time to verify it. Be careful of taking any contractor’s word for anything.

Home Remodeling Contractors For Your Home Improvement Needs

1. Do a background check

It is dependably more secure to look at first your objective temporary worker before going into contract with it. Look at to what extent has the organization been working and who are its customers. Additionally, do a visual stock of its hardware and apparatus. This will give you a thought of its steadiness and capacity on taking care of any occupation without subcontracting anything.

2. Look at its Previous Projects

A unimportant visual compass of the temporary worker’s past tasks will demonstrate the sort of value it puts into its work. Be watchful for erratic paintwork, broke putting and different markers of a lousy employment. Poor workmanship ought to instantly take irregular the rundown.

3. Meeting Previous Clients

In the event that conceivable, meeting past customers. Most critical is the contractual worker cost. Is it moderate and does it takes after terms in the agreement? Does it complete on time? Does it give due admiration to its customers? Inquiries like these paint a genuine photo of the home redesigning temporary worker you mean to contract.

4. Meeting the Contractor Itself

After every single past check, converse with the temporary worker soliciting the same sets from inquiries asked on the past checks. This twofold checking would uncover if the temporary worker is just blowing rises out of nowhere. This would dispense with the pretenders among the genuine ones. Any individual who is not equipped for coming clean is not worth a dime of cash or time.

5. Never Settle for One

It is ideal to experience the above agenda on a few temporary workers. With all information ordered, look into all, observing each solid and feeble point. Subsequent to everything assembled, and considered, take the home renovating temporary worker that concurs most to your necessities. It is ideal to be sheltered than too bad.

At whatever point you’re hoping to enlist an expert for any reason, you ought to attempt to get suggestions from individuals you know. On the off chance that one of your companions has utilized a contractual worker as a part of the past and adored how it turned out, then you might need to try that specific temporary worker out. On the off chance that they had a decent involvement with the contractual worker, then you ought to consider utilizing them as well. Colleagues, friends, and family members are usually good sources for recommendations.

The Better Business Bureau will also be a great resource when you’re trying to find a home remodel contractor. This is a resource that you will definitely want to take advantage of. You will have easy access to complaints that people have made about the company in the past.

There are different types of work that you can have done on your home. An appropriate license may be necessary based on the type of work the contractor will be doing. Therefore, if you are having renovations done, make sure that the contractor that you use holds the appropriate license or qualifications.

The workers that the contractor brings in to work on your home will need to be insured. It is vital that you make sure that they have worker’s compensation and general liability insurance. If something happened to one of the workers and they weren’t insured, then you may find yourself paying for the damages.

Most people will be at least a little bit concerned about the price that the contractor will charge. Take the time to find a few estimates. If at all possible, you will want to get your hands on a written estimate. To make sure that you aren’t paying too much for the job, take the time to research anywhere between three and five possible contractors.

[hr color=”#c1c1c1″ style=”line” size=”1px”]