How to Find a Good Cleaner

In today’s hectic and busy society where many of us find ourselves working such long hours and doing so much hard work that we rarely even have time to spend with our families. The long hours combined with your physical fatigue can make everyday chores seem like the end of the world.

messy_kitchen

After all, who wants to come home from a hard day’s work to be confronted with a mountain of washing up, the unmapped floors and unmade beds? It’s no wonder then that some people are so fed up with this cycle of neglect that they look into employing the services of a professional cleaner to handle all of their domestic needs to save themselves the effort.

A good cleaner should take that weight off of your shoulders by coming to your house however often you require and taking care of some of the more menial tasks that life throws at us like the mopping, sweeping, dusting and hovering. However it’s not as simple as waving your finger over pages of the phone book and if you want a great clean every time it’s important that you find the right residential cleaning service to help you with this, often times they vary in price, level of service, and unfortunately, quality of work. So we have compiled a few helpful hints to help you along the way of finding a great cleaner.

Quoting

Naturally, when you employ the service of any kind of tradesman or contractor you won’t want to just commit to the first person to quote you. If you care to take a look in your local phonebook, we are willing to bet that are at least 10 different companies that are offering this service to you. All of which will vary in terms of quality of service, quality of work and the actual price quoted to you. It’s therefore important that you get a variety of different quotes to assess the potential pros and cons of using that particular company and then pick the best one of the bunch.

Things to look out for are whether or not they provide the requested services within the quote offered, whether or not your company provides the cleaning products, expects you to provide them, or charges you an additional fee for them. Also check with the company providing the quote on how long they approximate the work will take them, if for example, you are asking for your 4 bedroom townhouse to be deep cleaned don’t expect it to be completed in an unrealistic timeframe as we are sure you are aware, proper cleaning can take time. Also be sure to ask them about their insurance and relevant licensing from local authorities.

The cleaner

cleaner

When you have found a company who provides a reasonable level of service for a good price and you are happy to go ahead and get one of their staff out to your home, you need to ensure that they come over to begin with on a trial basis. You still pay them, naturally; however, this means that you haven’t committed to multiple cleaning sessions and you have the opportunity to assess the cleaners work and make sure that it is up to the standard that you need. This also gives you the opportunity to see just how punctual and professional the company will be ongoing.

However, when your cleaner is carrying out the work, be sure to give them the benefit of the doubt when assessing their work. It’s very possible that if something you required cleaning was skipped or not done to the correct standard. It is because they may possibly have been misinformed by the company as to what you wanted from them. If it’s not up to the standard the first time around, be sure to talk with the cleaner first. Go over what you wanted again and then get them around next time for a second clean. By this point, if the work is still below what you expect then it may be worth finding a different cleaning service to handle your requirements. Also be sure to share your concerns with the company itself and see if an alternative solution can be found.

Thanks very much for taking the time to read this article, be sure to click the following link if you would like to see an example of cleaning rates.

Caveat Emptor

So you want to buy a new home, but it’s your first time and you have no idea where to start. No problem. There are a few thing that you really should be looking out for, and there are many ways to get reliable, impartial advice before you buy. To purchase a property is about as big a decision as anyone is likely to make in their lifetime, and putting in the effort to make sure the sale goes through smoothly is mostly the responsibility of the buyer. Continue reading “Caveat Emptor”

Swimming Pool Faults

swimming pool

If you have a swimming pool at some point you will need to make some basic, and not so basic, repairs. It may be a wonderful addition to a property but a pool needs to be maintained, and even with regular maintenance there will be the occasional issue which demands a bit of extra time and money. As the saying goes – forewarned is forearmed, so let’s look at some common faults which every pool owner may have to deal with over the years. Continue reading “Swimming Pool Faults”

Below The Line VS Above The Line Advertising 

What’s the difference between below the line and above the line? Above the line is a type of advertising such as TV ads, radio ads and billboards (or anything outdoor). Below the line advertising on the other hand consists of other methods such as direct mail, sampling and events. These days many smaller companies focus most of their budget in below the line advertising for three reasons:  Continue reading “Below The Line VS Above The Line Advertising “

Cash vs Mortgage 

You’re buying a house and you think you have enough to pay for it in cash. That way, you don’t have to apply for a housing loan and be in massive debt. However, you are afraid to put all your cash into a house and be left with inadequate savings for retirement and emergencies. Should you apply for a housing loan instead, so you can keep the bulk of your money and invest it in something that could earn interest? That could help you pay the monthly repayments. But what if something happens in the future that would prevent you from making monthly repayments? A bad investment, for example, or sickness in a family member that would necessitate long treatment and hospitalization? You could lose the house!

There is really a lot to consider when contemplating purchasing a home outright versus financing it. A local buyers agent would be able to give you more insights into the local market and buying trends in the area.

Buying a house in cash gives you an enormous sense of satisfaction that comes with owning your home outright. Cash buyers also have the upper hand in bidding for a house against a competitor who depends on a loan to buy the house.

Paying cash for a home eliminates the need to pay interest on a housing loan and many closing costs. There are no mortgage origination fees, appraisal fees or other fees that are charged by lenders to assess buyers. It also saves time that would have been spent shopping for a loan.

Paying with cash is usually more attractive to home sellers, too. In a competitive market,  sellers are likely to take a cash offer over other offers because they don’t have to worry about a buyer backing out due to financing being denied. A cash home purchase also has the flexibility of closing faster than one involving loans, which could be attractive to a seller. The resulting benefit to the buyer would be the ability to negotiate a lower price and receive a discount.

A house paid in cash is not leveraged, which allows the homeowner to sell the house more easily – even at a loss – regardless of market conditions.

However, selling a home bought with cash could also be a problem if the owners stretched a lot financially to buy it. If cash buyers decide it’s time to sell, they need to make sure they will have sufficient cash reserves to put down as a deposit on the new home. In short, cash buyers need to be sure to leave themselves plenty of liquidity. By opting to go with a mortgage, you give yourself some more flexibility.

Even if a buyer has the ability to pay cash for a home, it might make sense to not tie up a lot of cash to purchase the home. Doing so could limit your options if other needs arise in the future.

Paying in cash, while commendable, isn’t a good idea if it means committing too much of your savings to an asset that is inherently not easily convertible to cash. You don’t want to get into a situation where you are forced to sell the house or other investments at the worst time possible.

Buying a house through home financing also has significant benefits. The two big reasons to take out a mortgage, even if you can afford to pay cash, are maintaining liquidity and maximizing returns.

In most cases, mortgage interest payments are tax-deductible. And while you shouldn’t opt for a mortgage just to get a deduction, a reduced tax obligation never hurts.

Of course, with a mortgage, you end up paying more overall, since it comes with interest payments that add up over time. But, depending on the state of the stock market, saving on mortgage interest by paying cash might not be financially prudent. You could be saving less than that money might have earned had you taken out a mortgage and invested the cash you didn’t spend on your house in stocks.

There is a middle ground and, for many buyers, this may be the best option of all. Take out a mortgage and take advantage of today’s low interest rates, but make more than the minimum payment whenever you can. Or better still, if you think it will be useful, seek the advice of a home financing firm to better understand your options.