Lock Installation And Repair Services

Locksmiths are very important to both residential and commercial properties and even automobiles. They offer services which ensure that the security of your premises or car is not compromised. You can enjoy installation services, repair services and even lock upgrades and maintenance services in your areas. Whether you are going for new lock installations or repairs, you should ensure that you choose a professional company or experienced and qualified locksmiths to handle the process and fetch you the best results in the end.

Installation Services

Your needs can result from a need to have a new brand of lock installed or simply have a missing lock installed in an area you feel should have enhanced security. When you choose professionals for your installation needs, you can get help in choosing the best lock brands with security deadbolts and other features that will enhance your security. It can be hard to decide which deadbolt is best because there is single cylinder, electric deadbolt and double cylinder but with the help of the locksmiths, you will get all formation and help to choose the best for your security needs.

When choosing the installation services, however, you want to choose locksmiths that can handle any type of lock. You might have your own preferences and your professional should handle your project and even supply you with the locks that you need. The services rendered to you should be excellent. A company offering insured and guaranteed installation services is best. Apart from a new installation for your business center home, office or auto, you should access other important services such as lock out services, key duplication and lock re-keying whenever the need arises. Consider what other services your locksmith offers before hiring.

Repair Services

Locks should be repaired as soon as they show problems. Taking too long to have the locks repaired can compromise the security of your property. Luckily, locksmiths do offer good repair services for all kinds of locks for your home, business or car. Repairs are cheaper compared to replacements and installation and should be done before the problem develops to a level where the repairs are no longer helpful for the situation. Some of the repair services offered by locksmiths include the following.

  • Car lock repairs that take care of broken car locks even for complex automobile doors. You can have your child safety locks, power locks and manual locks repaired by the professionals easily. Some of the best offer roadside assistance for emergency locksmith services that ensure your problem is solved whenever and wherever it occurs.
  • Residential door lock repairs are offered for any lock model and security types including handle sets, passage door knobs, keyed entrance locks, privacy locks and dead locks. Quick repairs will save you from higher replacement costs.
  • Commercial lock repairs cover card readers rim locks, alarmed rim, file cabinet locks and even exit control locks. When choosing a locksmith, ensure that he can handle any of your repair needs and at a reasonable price for that matter.

The Smart Woman’s Guide to Planning for Retirement by Mary Hunt – Personal Finance Book Review

Money maven, Mary Hunt, returns with a new book, “The Smart Woman’s Guide to Planning for Retirement,” to help women prosper financially in the New Year and beyond. While geared toward females, men can also benefit from Hunt’s money knowledge, honed after she amassed over $100,000 in debt earlier in life; and took 13 years to erase.

“Have you had a retirement wake-up call?” Hunt asks early in the book. “I can promise you they intensify with age.”

Hunt sites a 2012 survey that found that 92 percent of women of all ages do not feel educated enough to reach their retirement savings goals.

Saving for retirement requires determination and hard work; and Hunt believes women can succeed. “If we lack confidence, it’s because we lack knowledge and desire, certainly not because we lack intelligence and ability,” Hunt says.

Time trumps all factors when saving for retirement. The sooner you start, the better. But, Hunt emphasizes, regardless of what stage you are in life, you must begin now. “It’s only too late if you don’t start now. No matter where you are or how little you think you have, start now. Today. Start. Saving.” Take baby steps to produce long-term results.

Hunt’s teachings feature:

Retirement Savings Plan. Hunt promotes a six-step Retirement Savings Plan, which includes:

Build an emergency fund. Also known as a Contingency Fund. Save money for life’s unexpected expenses (car repairs, home repairs, etc.) This money needs to be liquid (easily accessible within two or three days), safe from erosion (build in a risk-free savings account) and able to fund at least six months of living expenses should a job loss or other compromised income event occur.

Get out of debt. Eliminate all unsecured debt (credit card debt, student loans, personal loans). Hunt says they’re like cancer stealing your future. Incorporate Hunt’s Rapid Debt-Repayment Plan (RDRP) to abolish the debt.

Own your home outright. Buy half as much house as your mortgage approval. Make monthly mortgage payments equal to the full approval amount to own your residence in half the time. Fiercely protect your home equity (the difference between your home’s market value and mortgage balance). Avoid taking a home equity loan or line of credit, which resets the clock on a thirty-year mortgage.

Consider hiring a financial planner once debt is eradicated or managed, a respectable amount in savings is amassed, retirement funds are growing, or an IRA inheritance or other cash windfall appears.

Hunt describes three types of financial planners:

  1. Commission-based. This planner doesn’t charge based on time, but by selling investment products. He or she earns commissions on those sales.
  2. Fee-based. This planner works on a fixed fee or charges by the hour. Fees are stated up front and the planner is a registered investment advisor (RIA). They’re required by law to meet fiduciary standards, making them responsible for putting the best interests of their clients first.
  3. Combo. This planner is a combination of the first two. Clients pay a fee, fixed or hourly and the planner earns commissions when the client buys financial products based on their recommendations.

Choose a financial planner with at least five years experience Hunt suggests. Ensure they act in your best interests, and can explain financial concepts on your level. Be wary of any planner who claims to be able to beat the market. Ultimately, collaborate with a planner; yet make your own investment decisions. Hunt underscores that, “An advisor’s or planner’s primary loyalty will be to the hand that feeds her. That is simply human nature.”

Hunt educates in a conversational tone, avoiding jargon, charts and mind-numbing data, which makes for an engaging read. A Christian, she teaches faith-based money management. Hunt believes that God is the source of all life’s blessings, including money. An employer, spouse, investments, trust account, parents or any other entity are the channels through which money flows, but not the ultimate source. She’s making reasonable preparations for retirement without obsession; and trusting God for the outcome.

While having a retirement nest egg is important, Hunt reminds readers there is more to life than money. Health, spirituality, nurturing relationships, staying active, continual learning and volunteering are some attributes of a well-balanced existence.

Decade-by-decade financial planning, the five necessary tools for a money management system, investment basics (automate all payments to avoid not making monthly contributions (out-of-sight, out-of-mind), reverse mortgages, and parents paying for their children’s college education (not required), are other money-saving/building topics addressed in the book.

Anyone committed to improving their financial fitness in 2014, will reap life treasures, beyond the bounds of cash, by inheriting Mary Hunt’s money practices.

To establish your baseline financial status, and/or monitor your progress, order your free credit reports from the three big credit companies: Equifax, Experian, TransUnion, visit: Annual Credit Report.

What to Consider When Picking an Auto Repair Shop

Picking an auto repair shop for your vehicle’s needs is essential. For most who have a car, the convenience of mobility is simply non-negotiable. When something happens to your car, having the right pair of hands to get your car running again is important.

When picking a shop, it is important to have one that is near your place of residence.

That way, anytime your car is having issues, repairs are easy to come by; not to mention if you are in a car accident the proximity to your house makes it easier to get your car back home. Further, with a shop that is near your garage, you are more likely to have your car checked for regular preventive maintenance. You can have your oil changed and your car checked more often. Also, if your shop is near you, you are more likely to have access to promos; such as free brake service and free general car checkups. With preventive car maintenance within reach, you are likely to spend less on major car repairs.

When it comes to cars, most only want skilled maintenance workers to fix their car. For your peace of mind, look for auto repair shops that have ASE-certified mechanics on board. This certification will let you know if the mechanic is qualified to do specific car services such as oil changes, tune-ups for manual cars, brake repairs and everything else under the hood. The certification they have will put you at ease knowing that the repairs that are being carried out are being done correctly and efficiently. You may also want to check the Better Business Bureau and see the number of filed complaints for that particular shop. This data can lend insight on the nature of work that you can expect from the auto repair shop you want to work with.

When choosing an auto shop for services, it is important to check that your car warranty will not be voided in the process. Some maintenance repair shops are not certified to do repairs, thus voiding your manufactures warranty. There are shops that are duly recognized by your car manufacturer, and it is important to go to an auto repair shop that is authorized to do car repairs within the clauses of your warranty. Ask your car manufacturer for authorized repair shops that are near your area.

Further, consider the labor costs that the auto repair shop offers. Doing price comparisons between 2 or 3 shops can help you narrow down your decision and will also help you keep on budget for your car. Aside from choosing the best labor cost, choose an auto shop that offer guaranteed services and warranties. Knowing that an auto repair shop guarantees their work also removes a lot of stress when it comes to ensuring your vehicle is in the best hands possible.

Finding the best shop can be a daunting challenge, however if you ensure the items above are covered, you will be successful in your quest for a reliable repair shop.

Car Window Repair Or Replacement At Your Fingertips

Even for the safest and most observant drivers accidents happen. A cracked or broken windshield can happen in traffic or in front of your home. There are precautions that can be taken but even with all those there is still a probability that you will have the need of a car window repair or replacement eventually.

With all the big named and highly respected companies around that are experts in the field it will be no problem to find one who can recommend the best route to take for the repair job. They will often give a free estimate for you while you wait and often over the phone.

If you want to attempt to do the repair by yourself that is also an option you can explore. There are many places, auto recyclers and also glass manufacturers who will have the right part for you that you can pull yourself or they can pull it for you. If you choose this route it is highly recommended that you always wear gloves. Even with safety glass which is installed in most cars today there remains a possibility that it will shatter or shard leaving open a danger to you.

Some shops have mobile replacement trucks. They will receive your information and bring the parts to your home or office and do the job right there while you are at work or having dinner with family. The install takes only a short time and they guarantee their work. You will be required to let it set for at least an hour but after that you are free to go.

It is recommended to fix the break as soon as possible. When there is a broken window the entire structural integrity has been breached. Leaving it for too long can cause issues with the sealing technique that goes with the windows installation itself.

You will be in good hands with anyone you choose as long as you do the necessary research before you buy. No matter which way you go, getting the job done will take a load of stress off your mind.

Learn Fixer-Upper Skills – Part 2 – Learn From The Past And Build A Repair Book Library

In a previous article I discussed learning fix-up skills by 1) trying to do repairs as you encounter them and using your investment fixer-upper house as a “practice” house; and, 2) by taking community college classes in the construction trades.

Two more ways to learn repair skills are: 1) reflect on past experiences and on persons who were good examples, and 2) put together your own repair book reference library.

1.) Reflecting on the Past

After I got more involved in doing repair work of my investment houses, I thought back about how my father had taught me a lot by example. I recall seeing him construct screened-in porches on various houses that we had lived in. I was too young to help out much at the time, or to appreciate what he was doing. Looking back I realize that it required a strong desire to learn the basic principals, and a sense of self-confidence to build it. He had no formal training in construction, and did not have reference books like I do but he learned by observing other porches that had been built in the neighborhood and by talking to people.

I also have a friend who has made a career out of living frugally. He does virtually all of his own house repair and car repair work. If he gets stuck, he goes to the library and finds books to help him. It helps that he has a background in teaching vocational education. We have helped each other with house repair projects over the years, and he is a reliable source of practical advice when I need help.

There may be people around you who can teach you a lot about home repair. This is the kind of person who can be an invaluable resource for you. Be sure to take them out to lunch once in awhile.

2.) Put Together a House Repair Book Library

I like to scour the fix-up book areas at used book stores for good buys. I buy a book as soon as I see it if I know that it has valuable information. If you wait to purchase the book you may return later and find that the book I had wanted is gone. The price you pay will literally be a drop in the bucket compared to the money you will save. I have books on almost every possible repair topic, including electrical wiring, plumbing, flooring, you name it. Some books offer information on a wide variety of repairs. Reader’ Digest Fix-it Yourself Manual and Better Home and Gardens Complete Guide to Home Repair, are good books to start with. From there, you may need to go to a more focused book on electricity or plumbing. The Home Depot books are generally good choices to include in your library. I have several.

When a book is not enough, you can usually get good advice on specific jobs at hardware stores, like Ace Hardware. And, you can often get good advice on difficult repairs by doing a Google search.

Repairing Automotive Paint Damage Caused by Bird Poop in 5 Minutes

Every time you take your car out of the garage it’s exposed to potential paint damage hazards. Some of the most common issues are acid rain, insects, battery acid and road stones. There is another hazard that’s particularly messy and harmful, and that’s bird poop.

Bird poop is essentially an acid. It can have a pH level between 3.5 and 4.5. That means it will burn delicate surfaces unless it’s removed relatively quickly. On car paint, in particular clear coat finishes, bird droppings burn the surface, causing a permanent etch mark.

It’s not at all uncommon for a large dropping to cause paint damage that’s 2 mils deep, or more. To understand what that means to your car’s clear coat, good laser printer paper is about 2 mils thick. More importantly, a quality clear coat finish is typically 4 to 6 mils. That means a heavy-duty bird bomb won’t leave a lot of clear coat in the area that needs to be repaired. The good news is that paint etching from hard water spots and bird droppings is an easy repair you can make at home. Most repairs like this take less than 5 minutes.

Fixing Bird Poop Paint Damage

The only way to repair the paint damage caused by a bird is to polish the affected area with a fine cut rubbing compound. The basic procedure is to use the compound to cut away the damage and re-polish the surface so it looks new again. This is exactly the step taken by professionals and the factory when they remove painting defects. Your only concern is over-polishing. Be careful that you don’t over do it and polish all the way through the top coat.

The best car polish to use is one that’s formulated for removing paint scratches or restoring oxidized paint. The product I highly recommend is Meguiar’s Ultimate Compound. It’s available in most auto parts stores, and it works great by hand or with an electric car polisher.

If the damage covers an area larger than about 1 square inch, a polishing compound alone might not do the trick. For larger areas of damage you can make the repair faster and easier by first removing the damaged paint with 2000 or 3000 grit wet sanding paper, then re-polish the area with the compound. This may sound severe, but it’s not. It’s a safe procedure used by paint and body shop professionals.

Preventing Bird Damage

Although it’s difficult to avoid being splattered with bird waste, it’s not at all difficult to prevent the damage. The sooner you remove the mess, the less likely it will be that your paint will be damaged. Conversely, the longer the mess remains on your vehicle’s paint the more damage it will create.

If you live in an area where you are prone to getting pooped on, I highly recommend keeping a small bottle of car detailing spray and a microfiber cloth or two in your vehicle. It will come in handy for all kinds of spills and emergency cleanups. The Meguiar’s Quik Detailer product is very inexpensive and easy to find. When you need to clean up a bird mess, simply give the bird droppings a few shots of the spray, allow it to soak for a moment or two, then wipe it away.

Auto Repair: Know When to Repair a Windshield

When thinking of different things that keep us safe during a drive, we rarely even think about the windshield. But the truth is – the windshield of your vehicle is more important than you think. Anyone who has been driving for a long time would have come across this situation: a dented or cracked windshield. Early drivers tend to ignore this because it does appear to be something that could cause any major damages to the vehicle or the driver. And you would postpone the repair until there is time and money to do this. But that time will never come. Getting your windshield fixed is an easy part of an auto repair. It is important and can be done even from home.

Cracked Windshield

The windshield is a two-layered laminated glass. This laminate is made of vinyl plastic which is very strong. The windshield accounts for nearly 20% of the strength of the car. It plays a major role in keeping you safe. With the advancement in technology, the process of placing the windshield has become a computer controlled process. It has been designed to work with the other safety devices in the car. For instance, the airbags need a strongly bonded windshield in order to work correctly. Thus, it is important to get even a tiny crack on the windshield repaired. Ignoring it may put the life of the driver in danger.

AUTO REPAIR:

The costs for replacing the entire windshield costs $300 and repairing a crack or a chip in the windshield could cost around $100 or lesser. There are also many kits available for you to repair the windshield yourself. These kits can be purchased from Amazon and in large stores that sell auto parts such as Wal-Mart, Kmart, Sears, and AutoZone. The kit will consist of the adhesive seal, windscreen repair resin, curing film, pedestal and a safety razor. Once you have the kit, park your car in your garage or somewhere indoors. Use a pain to clear out any broken glass from the windshield and leave it to dry. The instructions on how to use the kit will be available with the package. If the directions are unclear, the best option is to take the car to an auto repair workshop.

Another consideration is your car insurance. If you carry comprehensive coverage, then windshield repair can be included in your coverage. Be sure to check your deductibles as this will be required to be paid first. In some states, there is no deductible for windshield damage, as it is considered a safety related repair.

At the end of the day, the important thing is that any windshield repairs are fixed immediately and you are no longer vulnerable to any potential accidents.

Mobile Mechanics: 5 Reasons To Have Your Mechanic Come To You

Back in the day, the milk man would deliver bottles of milk to your front door. Back in the day, if you needed a doctor, a phone call would bring your local doctor to your home and he’d take care of you and your family’s needs. Today, the closest thing to specialized home service like that could be your car mechanic. But this mechanic will go anywhere your car may be. At your home, on the street, or even at your place of business… and all the repairs or services are done on the spot.

Yes, we are consumers of convenience with the ability to nuke our food in seconds, change the channel on our TV’s from the comfort of our couch, or make and receive phone calls, not from our homes, but no matter where we are. Not to mention the ability to send letters, documents and short messages from our computers in lightning speed, and now even from our phones. No more running to the mail box, or waiting days or weeks for that important letter. Talk about convenient.

Having car problems at an inconvenient time? Of course it’s never convenient. Now meet the Mobile Mechanic. A throw back from a doctors house call. This new niche can serve car owners in many ways for all their auto repairs. Here are 5 reasons to seek out a mobile mechanic.

* Convenience

* Trust

* Time Saving

* Money Saving

* Getting your life back to normal

Yes back to normal, because without our car, chaos can occur. Hear a funny noise in your car, time for your regular maintenance, or worse your car won’t start? Now there’s no need to have your spouse pick you up at the garage. No need to swap cars, bum a ride or rent another vehicle. Just go about your daily routine, work, school, meeting… and a mobile mechanic will go to where your car is parked, and fix it. And if it’s bad enough that you can’t drive, there’s still no need to call just to have it towed to your dealer or garage downtown. In many cases a mobile mechanic can diagnose and repair your car on the spot. This may save some money, but it definitely saves time and inconvenience.

What kinds of services are offered by a mobile mechanic? All the basic services you would expect, including complete diagnostic, no starts, alternators, batteries, starters, check engine lights and other dash messages and monitors, complete brake services, cooling system, belts, hoses, water-pumps, oil changes, and much more. And of course factory parts can be used. Just make sure you ask your mobile mechanic first.

A high quality and personalized auto service is needed in today’s market, and just as families could once rely on their local doctor to show up at their front door, you will find that a mobile mechanic can do the same and become a trusted friend who takes care of one of your most prized and valuable possessions… your car.

Why You Should Get Periodic Home Inspections

Have you considered having a home inspection done? Home inspection is not just for the buyers and sellers of a home but can also be an invaluable resource for those who already own their own homes. Most people do not realize they should have a home inspection done every five to ten years as part of an overall maintenance plan. But a home inspector can help you more then you may think.

For most of us the two things we will spend the most money on in our lives is our cars and our homes. You would never drive the same car for 10 years or more without taking it in to a mechanic for a tune up would you?  Of course you would not. Car maintenance must be done to ensure your vehicle will continue to run as long and as well as possible. You also clean wash it and vacuum it once in a while as well to keep up the resale value if not for your own sense of cleanliness. Why then should your home be any different?

A regular maintenance plan for your home should include a home inspection every few years. A home inspector can advise you on any repairs that should be done before they become a major expense and discuss any safety issues you may be unaware of.

Home inspectors go over every aspect of your home and give you an unbiased report of the findings. The report will show you anything that may be wrong with your home now, what may be getting ready to need repairs as well as advise you on how to make the repairs.  For instance a home inspector may notice a small stain on a wall and track that to a water leak. The leak may have been small enough to only cost a couple of dollars to fix now but it could have done a lot of damages before you found it on your own.

Home inspections can also alert you to any safety issues you may be unaware of. Worn gas lines and frayed electrical wiring often goes unnoticed until a fire breaks out or people get sick and die. A home inspector looks at electrical wires as well as gas and plumbing as part of a routine check and alerts you when a problem is found.

Engaging the services of a professional home inspector should be a part of regular home maintenance. A thorough unbiased home inspection can point out repair and safety issues before they become a serious issue and help you to retain the value of your home as well as your peace of mind.

What’s the Difference Between Home Repairs and Home Maintenance?

If you know the difference between a home repair and home maintenance, you probably don’t need to read the rest of this article, but for those of you who keep asking this question, I will try to shed a little bit of light on the topic of home repairs and home maintenance.

Home maintenance is the process of maintaining your home. When you maintain your car, you wash it, buy new tires when needed and change the oil on her regular basis. The same is true for your home. In order to maintain your home, your going to need to replace the roof if it becomes worn or damaged and you will need to paint the interior and exterior to protect it from the elements.

Home repairs on the other hand will be part of the home maintenance process. Simple home repairs can be made by you if you feel comfortable with the process or you can hire a home-improvement professional. If the house repairs are more difficult to perform or you don’t feel comfortable doing them, you can always hire a specific contractor that has experience dealing the repairs necessary to maintain your home.

To make it simple, if you don’t maintain your home on a regular basis, you will have more home repairs to do in the future. These home repairs can be costly and some of them can cost you a small fortune. Many of these house repairs can be avoided by small investments throughout the years.

It’s a good idea to maintain your house and if you need more information on home maintenance, go to your local library and check out some books. Home repair and house maintenance books are often a great source for valuable information.