Financial Management

Your better way to financial literacy

I am John Chiang

I am a Financial Management coach for 10 years and my forte is to scale your financial literacy and make your business successful. It is a struggle for a business to grow if you do not have enough knowledge in terms of financial. So in this blog, I will be sharing my own experiences, expertise, and tips on how to become literate.

Stay tuned and I will uncover the secrets behind successful business.

Informative Blog: Your Home Can Be Better – Just Make Some Improvements


It is hard to get home from your job and face another task–however home improvement are rewarding. These tips will help you decide when to hire a professional, and how to find a good one. They will also help you figure out how to do a great job on the remodeling or repair tasks you decide to do yourself.

Do not be ashamed to call in a professional. Knowing you did all your home repairs yourself can be rewarding. That pride might come with a steep price tag though. Sometimes it is best to give in and just call in a handyman. Depending on the situation, they might be able to do it faster and for less money than you could.

When it comes to home improvement, be sure to keep in mind the age of your household members as well as health status. This is important if stairs are unmanageable or if there is a potential need for handicapped facilities in the bathrooms. Depending on the modifications, you may end up increasing the value of your home.

Be careful to what degree you personalize your home improvement projects. What appeals to you now may not appeal to potential buyers down the road. The more specialized and substantial your project is, the smaller return on investment you can expect to receive when you sell your home in the future.

Expanding your storage options could be the perfect choice for your next home improvement project. Consider adding shelving to a coat closet or building a small table with drawers to add to your kitchen. Even small projects like these will give you a place to put toys, hats, or silverware.

When it comes to home improvement, have a plan from the start through the finish of your intended improvement. This will ensure that you stay within your budget and that you complete your intended project without the emotional factors being involved. It can be obvious both to a potential buyer and to your pocketbook if a home improvement project is made up as you go.

When it comes to home improvement, take your current space into consideration before adding on with new construction. It may be much more cost effective to convert either an attic or basement into living space. Added costs come into play when you have to add more to your foundation or roof area.

If you would like your living room or dorm to have a contemporary clean feel to it, opt to buy a sofa with minimal cushioning and long, lean lines. Choose the sofa in a bold color such as black, red, or beige to make a statement in your area. You can dress it up with some zebra print or striped decorative pillows.

A great home improvement tip is to invest in motion detectors for your outdoor lighting. Motion detectors will turn lights on only when movement is detected, and will swiftly shut off when there is none. Having motion detectors on your outdoor lights will save you a lot of energy and money.

Know your area. If your home is in a subdivision or small town, you do not want your home to stick out like a sore thumb. Look around before you decide to do any outer renovations, and try to fit in, at least a little. Homes that do not fit are homes that usually have a harder time should you ever choose to sell.

One energy-efficient improvement you can make to your home is to replace your windows. Older-style single-panel windows don’t insulate the inside of your home nearly as well as the newer double-panel style. New windows will increase the aesthetic beauty of your home while saving you money each month in electricity bills.

Try not to cut corners when it comes to the quality of building materials for remodeling or you may pay for it later. Buying cheap wood, plastic or appliances with dings and dents, will reduce the initial cost of a project but devalue the entire house later. Since your home is a long term investment, build and rebuild with quality materials, whether for resale value or your own occupation of it.

To make your carpet feel new again, rent a carpet cleaner. Carpet cleaners are able to deep clean your carpeting in a way that an ordinary vacuum can’t. You may be shocked when you see how much dirt it pulls up. Carpet cleaners can be rented for a very low cost. Many cost less than $25 for a day’s use.

Resist the temptation to use fancy bricks with decorative faces in your next home improvement project. Not only is such brickwork an unnecessary expense, it is rarely as strong and durable as ordinary brick. Decorative bricks are easier to deface, spoiling their aesthetic advantages. Finally, decorative brick styles are rarely produced for long, making it incredibly difficult to find matching replacements for repair work later.

This tip might seem like it is common sense, but you’d be shocked at just how many people do not shut off the main water supply before attempting plumbing repairs. You might cut off the water to a direct outlet, like the sink or toilet, but as long as the main is still online you could end up flooding your home.

While it is always nice to have a larger home with more than enough room, it is not a good idea to buy a house that has much more space than you really need. You will only end up paying a lot of money on heating costs for space you do not even use.

If you are wanting to improve your kitchen or bathroom, then ensure you turn the water off. If you are doing a DIY home improvement task near water supply and pipes, you are smart to turn off the water.

If your home is heated with a wood-burning stove or fireplace, plant new trees in your yard every other season. This will help to compensate for the high carbon footprint you are leaving by burning natural resources and emitting smoke into the atmosphere. It will also give you a source for free firewood in future years, after the trees mature.

Sometimes learning about home improvement can be a demanding job, but you’ve persevered and made your way through the whole article. Good for you! This article has given you a good idea of approaches to renovation projects for your home. If you still have questions, give the article another look-through.

Top Ten Quick And Easy Tips: Want Top Tips About Auto Repair? Check Out The Helpful Article Below

Having car problems? Are you not sure how to fix all the problems you are having?
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Well, this article is certain to be of assistance. In this article, you will learn some great advice on do-it-yourself auto repair techniques, as well as how to select the right professional for the job.

When doing your own work on your automobile, you want to make sure you never take things too far in error. You’re saving yourself some money by doing it yourself, but if you’re not sure about something, you need to find out or let a professional handle the matter. You could end up costing yourself so much money.

Do not assume you have been ripped-off by your mechanic because of the high price of your bill. Some parts are very expensive to replace, including engines, transmission systems or dashboard computers. You should ask your mechanic about the cost of the parts he had to put in your car.

Check the fluids in your car regularly. Check the oil level with the dipstick you can find under your hood. The dipstick should have a mark on it to indicate the ideal oil level. Add a quart of oil if you need to and check the level again after letting your car run for a few minutes.

Just like at the doctor, you can get a second opinion before agreeing to costly repairs. A reputable shop should not be padding the bill, but it does not hurt to see what another professional thinks about the situation. If you are still nervous, the dealer is always an option. It will be more expensive, but they tend to someone checking over their shoulder more often.

Make sure you get a signed copy of the estimate for the repairs. You also need to make sure that the contract contains a clause that the shop must contact you before exceeding the total on the estimate. This will protect you from getting a surprise bill once work is completed.

Check to see that the technician is certified. Learn if they have been given the seal of approval by any automotive institutes. This lets you know they have training ans will provide you with good work.

Figure out what repairs and labor are going to cost you before handing your keys over. Ask questions until you are sure you have clear answers. Know where the estimated prices come from. Some mechanics bill you for estimated labor times established by the manufacturers they work with. A lot of repairs that seem to be easy to fix could end up taking a whole day in some cases.

Before paying an auto repair shop for work done to your car, take it for a test drive to see if it is working properly. A lot of people don’t try to drive their car first and they figure out the hard way that it wasn’t repaired later on.

Listen to your gut. If you bring your car into the shop and the technician doesn’t seem to be on the up and up, consider going somewhere else. At the very least, the person probably doesn’t care that much about you and your car, and you deserve better service than that.

Before you pay the bill for any larger auto repair work, give your car a test drive. You want to make sure that the repairs were done to your satisfaction. If you haven’t paid, it makes it much easier to talk about any lingering issues that may still be around that need further fixing.

Take some time to learn about your vehicle and how it works. This can prevent your from falling victim to auto repair fraud when you need to bring it to be fixed. It could also lead to you being able to fix simple problems on your own, saving you a great deal of money.

It’s always better to make an appointment with an auto repair establishment than to simply drop in. They may need to order parts or prepare equipment in order to deal with your car. If you are unable to set up an appointment, try not to drop in at the opening and closing of the shop. These are the busiest times of day as people who have appointments are dropping off or picking up their cars.

Find out about labor rates before you let a mechanic work on your car. You should have your mechanic diagnose the issues and assess how much work will be needed. Make sure you understand how the mechanic will bill you and have a manager give you an estimate of how much labor time is needed instead of trusting a technician who is not responsible for giving quotes.

Learn to do some of the easy auto repair tasks on your own to save a trip to the shop. It’s a misconception that everyday maintenance must be performed by a professional repair shop. Figure out what you should be doing at first, but allow yourself to get things done on your own.

After you pay the mechanic to replace older parts with newer ones, have them return the older parts to you. If the mechanic does not give you your old part, then this is a good indicator that it actually wasn’t replaced. Ask your mechanic for an explanation if you notice this red flag.

Learn about what the fluids in your vehicle look like. Knowing this can help you determine exactly what is leaking if anything is. Having this knowledge can help you to diagnose your problem and relay the information your mechanic may need to properly repair your vehicle. It could also even save you some money.

Keep your speed low during the initial 1,000 miles from the dealership. This is known as the break-in period and is a delicate period. Take it easy with your car during these first 1,000-2,000 miles and then feel free to tear it loose. Of course, this is only if you want to keep your car in top-condition for as long as possible.

Do not attempt to repair your car or truck without being confidence in your abilities. You may end up voiding your warranty otherwise. Then, you will have to bear the full cost of all future problems.

You now know more about dealing with those auto repairs when the issues arise. These tips will help you feel better when you have an issue with your car. Remember what you have learned so that you know what to do when your car needs repairing.

Ten Quick And Easy Advices – Tips For Obtaining The Best Insurance Plan

Buying or selling insurance can be very intimidating. It can easily lead to a bit of information overload because of all of the resources available to anyone not experienced. Below are some tips to assist you in getting all of this information organized to where you can start buying or selling insurance smarter.

When involved in an insurance claim, do not wait for the insurance company to make all the moves. This will ensure that you get what you are owed, and in a timely manner. Be sure to provide any evidence that will be required and be persistent in asking for information directly related to your claim.

It may go without saying, but someone needs to put it out there. When it comes to insurance, just tell the truth! I heard a story about a guy who had his windshield shattered who did not report it to his insurance company for two weeks. In that two weeks he changed his policy to include zero deductible comprehensive so it wouldn’t cost him anything to fix it. Lo and behold the insurance found out! Can you guess where he is now?

To save money on your insurance, you should review all of your policies at least once per year. Talking to your agent about any changes that have happened is a good way to stay up to date in your coverage. Let your agent know about things you have added and things you don’t have any more.

If you’re having trouble generating interest in your product, do a quality check. Is your Web site, e-book or blog content interesting? Does it provide solutions to real problems? Is the content up to date and relevant right now? Is your content’s writing style worth reading? If you’re pumping a lot of energy into marketing but aren’t getting very much interest in your product, you may need to improve the product itself.

When preparing an insurance claim, be certain to keep detailed records of all expenses paid out of pocket prior to submission. It is common for business coverage to include payments for claim preparation expenses, though homeowners may also be able to negotiate as part of their final claim settlement compensation for work done to document their losses.

Insurance for pets is must have especially if you own many animals. It can help to cut down costs for sick and well animal visits, vaccinations, and treatments of multiple pets at one time. The costs of caring for pets can be just as expensive as people. This is why insurance is a good idea.

Your insurance rates are likely set by zip code. If you live near a big city, the closer your zip code to the actual city center, the higher your rates will be. Consider this when looking for a new place to live. Just one zip code away could seriously lower your payment.

Tow truck insurance is not useful enough to warrant the extra money in many cases. The average cost to have your vehicle towed is about $100, but you will pay well over that amount after many months of tow coverage. Other parts of your policy will cover tow charges in case of an accident, so you are really paying for something unlikely to be used.

Check into your health insurance coverage. You want to be sure that you will be covered in the event of an injury or an illness. The last thing that you would like to happen was to get badly injured and not have any medical insurance to cover the expense of care.

If you have not filed an insurance claim for years, check with your agent to see if you could be eligible for a discount. After a few years without filing a claim, an insurance company wants to keep you around. Use the advantage you have to negotiate for a better rate.

Keep in mind what items could cause an increase in your renter’s insurance. Many insurance companies will raise your premiums if you have certain breeds of dogs or if you own a waterbed. Don’t make split decisions on purchasing certain items without checking to see if it will affect your coverage and your premiums.

Most insurance companies offer bundled packages where you can combine more than one type of policy together so as to receive a discounted premium amount. Covering more than one of your assets can often times give you a discount, and makes paying your bills much simpler.

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Having a cell phone, especially a high-tech modern cell phone, is more and more common. So is the risk of having that cell phone robbed, lost or broken. Purchasing the insurance for your cell phone up front, is advised to halt the risk of headaches later, if anything happens to your cell phone.

Open a few policies with one insurance company. If you are able to get an auto and home policy through the same company, you will likely get a discount. You might be able to save a significant amount on your premiums if you use this strategy, in some cases up to 20 percent of your total costs.

Insurance on an individuals boat or other water craft can make all the difference when an accident happens or something unexpected comes up. The insurance will cover any injury related costs, damage to property, and even damage to the water craft. Insurance is a must have item for any water craft one may have.

When you tangle with your insurance company over a claim dispute, never forget that the friendly company representative who talks to you is not your friend. He or she is a customer service professional trained to put you at ease – and to look after his or her employer’s interests. Respect them but do not expect them to side with you against their company.

If you really want to be covered with good insurance, check out a provider’s history of complaints. If something does happen and you need to file a claim, know what to expect. Research online review communities and forums. There are also records of complaints filed with both state regulators and national associations.

When buying any kind of insurance, be sure to fill out any applications that are required honestly. The answers on your application will be used to determine many things, including price. Withholding or falsifying information on the application may lead to problems later when you file a claim. Make sure everything is correct before you sign the application.

In order to make the smartest health insurance decisions, it is important that you know everything there is to know about health insurance. There is a lot you should know about buying insurance and how to avoid mistakes that might happen, use this advice to begin.

Advices: Tips To Help You Shop Online Safely

Online shopping is one of the easiest and most convenient ways to find items that you need or want. Besides easily comparing the prices of different vendors, you can set up an account that automatically charges your card without asking for information. Read on to find out more about online shopping!

Never try to shop directly from a link someone sent you in an email, unless it’s a widely known and respected site, like Amazon.com. Too many consumers get tricked into scams via hyperlinks in questionable emails. Visit the URL of the site mentioned in the mail, instead of clicking the link itself.

If you frequently shop online, make sure your anti-malware is always top-notch and up-to-date. Large retailers are often the target of hackers and others unscrupulous people that will try to steal all your personal information. If your software alerts you that a site is not secure, take your business elsewhere.

Check out coupon sites. Whatever you want to buy might have coupons or discount codes. Before you buy something, make sure that you have the ability to take a few seconds and do a quick search. You might even want to bookmark some coupon sites to have ready when you buy.

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Although it may seem tedious, make sure you read the contract and terms before you purchase at a website. These documents have valuable information on what you can and cannot do when you have an issue with the item that you bought. Read them thoroughly so that you do not have an unwelcome surprise when trying to return items.

Online shopping is a great way to save money since you can shop around so easily. If you’re looking to save as much money as possible, remember to check out any deals that the online store may offer. Most stores offer some from of sale or deal frequently, so you should be able to find a great deal that will help you save even more money.

If a company has a newsletter, sign up. Often, companies will give sneak peeks, special deals and coupon codes to people on their mailing list. However, be careful. You don’t want to sign up for every company’s newsletter or you’ll soon be buried under endless emails. Only sign up for a company’s newsletter if you really like their products and would use a coupon code.

Online shopping is a great way to find items that are out of stock at your local store. For instance, if you are unable to find a certain size of jeans at the store near you, you can look on the store’s website and find out if they are available to be shipped to you.

Be wary of overdoing it. It is much easier to overspend when you are shopping online. You start to rationalize that you can spend more for those shoes because you saved money on gas and the food you would have gotten if you went to the mall, for instance. Give yourself a limit and stick to it.

When buying clothing or shoes online, always check on the site’s return policy. Since judging size can be difficult by sheer guesstimation alone, you want to make sure you can return or exchange the item if it doesn’t fit. Otherwise, use a tape-measure and chart to determine your exact size for the country of origin you are purchasing from.

Before you click the final checkout button, look online for promo codes. There are several shopping sites that will list the different promo codes that are available. You can save money off of the purchase or get free shipping on the products you are ordering. You may even get a free item with purchase.

Read the reviews left by other customers. You will likely run into some sites that pay for their reviews, so pay attention to what you are reading not just the star ratings given. You will be able to learn a lot about the quality of the product as well as the site by reading the reviews.

Be a savvy online shopper by looking for online stores that offer designer overstock samples. Many of these retailers sell samples of real designer items at very affordable prices to meet online shopping demands. Some designers have even created these collections just to target these shoppers. Do some research on these sites and keep an eye out for words like “collection” and “special collection designed for…,” as they are generally made just for these sites.

The cost of gas can greatly add to the cost of shopping, especially when you have to visit different stores in different areas. You can save money on gas and time wasted in traffic and shop online. You may think that you may spend more on shipping but many sites offer free shipping and if you buy multiple items, the savings add up quickly.

In order to save on shipping fees, it is best to get everything you need in one order. If you do not do it this way, you will have to pay a separate shipping fee for each order you make. This will end up costing you a fortune in the long run.

Don’t give your SSN when shopping on the Internet. Use caution if a site asks for this information when buying something. Online purchasing does not typically involve divulging your SSN. If you do give away your social security number, you leave yourself wide open to identity theft.

When you buy from an online merchant, try to combine your purchases together into one shipment. Shipping costs can be high if you are just buying one or two items, sometimes as high as the price of the item. If you buy many things during the same shopping session, the shipping cost is more cost effective.

When making an online shopping purchase from a site like Ebay, make sure to pay attention to the sellers feedback and statistics. If a seller has a low score, you should probably try to avoid dealing with them entirely. Look for sellers who have a lot of positive feedback.

Purchasing products over the Internet is a lot of fun. You can find items that may not be available in your area or score great deals on presents for your family. Regardless of who you are purchasing for or what items you are after, certain tips can help you make the most of your time online. Take the information in this article to heart and enjoy your next spending spree!

Building Raised Beds To Reduce The Weeds In Your Garden

Lawn watering systems are a pretty simplistic system. In general the biggest problem homeowner’s have is fixing a broken sprinkler, or finding a pipe-breach underneath their lawn. Learning how to identify these problems is an important part of gardening. This article will clarify some of the main indicators of such issues.

You need to be realistic about what your garden can and can’t produce. No matter how tempting a particular vegetable may be, if it’s not suitable for your climate, it’s not going to grow well. You’ll get more out of your garden if you focus on plants that are right for your area.

If you are planning an irrigation system for your garden, consider a drip irrigation system. A conventional system using sprinkler heads loses a lot water through evaporation. However, a drip system irrigates your garden by a constant slow drip of water beneath the surface, which means less water is wasted through evaporation.

Grow some plants that cats like to eat – try catnip or wheat grass. You can also put something on top of the soil around the plants that has an offensive smell to cats, such as mothballs or citrus peel.

If your green thumb starts to wilt during those long winter months when your garden is buried beneath a foot of snow, learn how to grow microgreens to provide yourself with fresh, healthy salads, sandwich toppings and garnishes all year round. Microgreens require very little sunlight and are easy to grow indoors. Some common microgreens include kale, dill, basil, spinach, and chard.

Do not mow your grass when it is wet. When you mow wet grass, the wet grass clippings will turn into mush and stick to your lawnmower’s blades, which can result in jams. In addition, if wet grass clippings get onto a paved area of your garden, the paved area will have grass stains.

When planting a new rose bush, be sure to prune the canes to about eight inches before you plant the rose in the ground. Also, remove decayed wood at the ends of the canes. Pruning a new rose will encourage it to grow more quickly. Keep in mind when you are pruning, try and cut the canes at a 45-degree angle to help the plant to shed water.

Remember to mulch before the first freeze. Spread compost or shredded leaves around the garden, mulching under shrubs, hedges, roses, and on top of the crown of any tender perennials. A layer of compost spread on bare ground will help to protect any bulbs, corms or plant roots. By springtime, this compost will have been taken into the ground by worms, and your soil will be full of nutrition, ready for new planting.

If you have to lift something heavy you need to lift with your knees. Many people make the mistake of lifting with their back when they are lifting heavy objects. This can lead to a lot of back ache and could even cause extreme damage. You should never lift anything that is extremely heavy without help from someone else.

Do you know how to begin your own organic garden now? Can you now find a place to begin with it? Do you know what will work for your seeds? If you can now provide an answer to these questions, then you have read and understood the previous tips and are ready to grow your own organic garden.