Stranded in the midst of a financial crisis and want money? Even though you are the best planner in the world, you cannot plan events of life – you never know when life throws a curve ball at you. Some of life’s surprises can have a major blow on your finances. You might have to set aside your finance plans due to emergency requirements.
All of us have been there – lack of immediate funds to meet sudden needs. From unplanned purchases to medical emergencies to repairs to urgent trips, you might need cash anytime.
What can we do meet the cash crunch?
Well, personal loans are not only logical but respected way of funding your emergency cash needs. Yes, respected – we all know what asking monetary help feels like, even from loved ones.
Does a personal loan sound your saviour? But wait, you cannot jump onto the search button and apply for any personal loan you come across. Many companies advertise their loan as the best personal loan in the market which they are not. You must take a little time to study some of the salient features that a best personal loan must have.
Before we get into all the important characteristics of best personal loans, let’s understand what personal loan is?
Personal loans are a type of unsecured loans designed to meet your personal needs grated by a banking institution, financial company or individual.
Here are some of the most crucial features of the best personal loan:
One of the most important features of a best personal loan is its flexibility. Personal loans, unlike home or car loans, do not impose any limitations on the use of loan amount for a specific use. You can use your loan amount for any personal use you want. From travel to buying gadgets, the money can be used to meet any expense of personal nature.
Disbursement is Quick
Getting a pre-approval for your personal loan must be quick. Generally, a best personal loan provider will check your credit score and eligibility. If you meet all the necessary criteria, the loan is disbursed within 24 to 72 hours, depending on your loan provider. A good personal loan offers instant online loan approval.
The Less Document, The Better
Usually, all personal loans have minimal document requirement. But best personal loans accelerate the process by further limiting the number of documents needed for approval. A good loan provider allows you to apply online by scanning your documents within minutes ensuring you need the help when it is needed.
Minimal Eligibility & Paperwork
Best personal loans have a simple and flexible eligibility criterion with minimal paperwork. Mostly, you need to be more than 18 years of age with Indian citizenship and a stable source of income. The paperwork is minimal which makes the whole procedure swift.
It is quite obvious to be confused in your very first time of applying for personal loan. A good personal loan has a robust customer care department to provide you with all the assistance you might need.
The best personal loans have convenient repaying options. You can have the choice to repay through various repayment options such as online payments, cheques, etc. You can select a repayment tenure that suits you the most. Long repayment tenures will have lower monthly EMIs and vice-versa.
Personal loan interest rates are one of the most attractive things about them making them affordable to all. The EMI remains fixed throughout the entire tenure of the loan. So, you don’t have to worry about interest rate fluctuations like with other loans.
Calculating EMIs can be extremely cumbersome. But when you work with the best personal loan provider, they willallow you to calculate EMI easily. Mostly, on their website. You will get a clear picture of monthly EMIs based on your tenure, loan amount and personal loan interest rate.
A good personal loan also offers tax benefits. It not only gives you the financial support you need but also offers tax benefits. You can claim a deduction as per Income Tax Actif the loan is used for construction or renovation of the home. The maximum amount specified undersection 24B is Rs. 2 lakhs.
The best personal loan requires no collateral. You have to be eligible for the personal loan and have mandatory documents. Thus, your assets are safe in case of non-payment or other such circumstances. Now, that you know all the features of the best personal loan it’s time to get one!
Here is how to choose a garage door repair company
Up until a while ago, your garage door was working perfectly fine. And now it seems to have a mind of its own. Either it won’t open, or when it does, it’s beginning to make a weird, creaky noise. With prolonged and frequent use, it’s normal to encounter such problems. While there may be other signs as well, it’s apparent that you are dealing with a faulty door.
For a garage door to open and close effortlessly, all components of the system must function correctly. A garage door is a major investment, so this is not the time for a DIY project. You could end up making the situation worse or could even get hurt. Not only does a garage door affect the appearance of your home, but it also plays a significant role in its security. Therefore, it’s essential that a garage door works properly.
It’s unanimous- you need to call a garage door repair company. You may need to repair or replace the door depending upon the circumstances. But you should choose the right people for the job. Since modern doors need specialized tools and skills, you need to find well-trained technicians that can spot and repair the damaged parts of the door.
How do you go about finding a professional?
Here are some ways that you can easily find a good garage door repair company:
Get a recommendation
The best way to find a reputable company is to ask friends, family, neighbors, and colleagues. Someone who has had work done in the past can set you in the right direction. A referral – or warning- can facilitate your search for a trustworthy company. Aim at getting more than one opinion.
Read the reviews
A garage door repair company should have strong ratings with positive feedback and consistent reviews. To get a better idea of the company’s standing in the community, check multiple review sites to ensure that they maintain standards and deliver great service.
Look into the ratings
There are several online sites to investigate the ratings. But the best way is to look them up in the BBB (Better Business Bureau), the gold standard in the industry. The rating scale from an A+ to an F, providing reviews as well as complaints.
Check the credentials
There are various ratings and certifications that a company can receive. How do you know that the company is legit? The company that you select should be legally qualified to carry out their job. It should be registered with the correct agencies. More importantly, it should have trained employees that have the expertise to deal with a damaged or faulty garage door.
Visit the address
An established company will have a physical address listed online. Verify that it is correct. Be on the lookout for bogus companies that list phony addresses. Go to the actual location to see how the company operates.
Though every business has a website nowadays, it’s essential that the quality of the site be maintained. It should be accurate and up-to-date, preferably with a ‘contact us’ and ‘services provided’ page. A poor website is an indication of a skeptical company. Running a Google search on the company’s name is a simple method to find positive or negative information.
Inquire about warranties
A reputable garage door repair company believes in providing services to attract new customers while also maintaining previous clients. They must develop a bond with the people they interact with; it’s not about a one-time money-making transaction. These companies are willing to offer warranties on repairs, products, or services. If something goes wrong after installation or repair, you are sure that the company will solve the problem.
Years of experience
Even if the company has a great website, are licensed, have numerous satisfied customers, you still need to know how long they’ve been in business. It’s harder to trust a new startup than one that has years of experience. Verify the years of experience that the company has been in the industry. You want to entrust the care of your garage door to the hands of knowledgeable professionals who are versed in a variety of situations.
Do your homework
You are most likely to be the target of an unethical repair company if you do not have prior information. Customers who are desperate for a quick fix, don’t get other bids or don’t know the real cost of garage door parts are most likely to get scammed.
Look out for red flags
Stay clear of companies that advertise excessively. Look closely at the ads for outrageous appeals. Beware of same-day services, phony-looking reviews or testimonials, and promises of discounts or low prices. A company that spends heavily on ad campaigns will most likely end up charging customers a higher rate to cover the additional expenses.
And a company that uses multiple names on advertisements, websites, and customer service phone lines may not be the right choice. Any inconsistency is an indication that someone or something isn’t right.
Remember to get multiple bids
It’s always smart to get multiple bids. That way you’ll have an idea of what the “going rate” is and whether or not you’re getting a good deal. Get several quotes over the phone before a technician comes to verify what the issue is and provides an actual figure.
At the end of the day, whichever company you decide to have your garage door repaired with, select one that makes you feel comfortable. It all comes down to a matter of whom you are willing to trust
Here is how to find a qualified plumber in your area
Homeowners often find themselves in need of a qualified plumber at one point or another. Issues related to plumbing happen quite suddenly and lead to a major crisis. At times, a minor plumbing problem creates massive inconveniences and causes damage throughout your home. Some people with a little know-how of plumbing may be able to fix the minor plumbing problems that occasionally arise at home. However, the overwhelming majority want the skilled hands of a professional to deal with their plumbing problems.
Finding a local plumber in your area may sometimes become a daunting task, especially if your plumbing crisis is an emergency. In such a case, the problem needs to be taken care of immediately. Being aware of a qualified, local plumbing professional can provide peace of mind in such situations. Whether it is an emergency crisis, leaking pipes, or clogged drain, a professional plumber will get the job done. But how do you determine the right person among multiple plumbers who can perform the work for you? To help you find the most qualified plumbing professional in your area, we have compiled some ways that will help you make the right decision. It will not only make the process easier for you but also reduce your total repair costs.
- Use your network:
Customers often recommend plumbers and other service providers to people they know when they have had a good experience. This makes recommendations from family and friends valuable for both the plumbers and yourself. Hence, reaching out to your network is a quick and reliable method for finding a qualified plumber in your area.
If your family, friends, and neighbors recommend a particular plumber or company several times, it means they have worked hard to earn that trust. Try to get at least three recommendations for a plumbing company, either from family and friends or from platforms.
- Check online directories:
The online directories and Better Business Bureau (BBB) are good sources to find a listing of plumbing companies and plumbing contractors in your area. These places also give you an idea about the credibility of plumbing professionals. Ask building contractors and real estate agents for their recommendations about the plumbers that they have hired. Find out whether they were happy with the quality of the work, and if the task was completed in a cost-effective manner.
Check for a local directory of plumbing contractors on the web and examine the customer reviews and ratings. You can also get a feel for the quality of their work from their website. Review sites like Angie’s List and Yelp, can also assist you in comparing local plumbers, and then selecting the most qualified one for your task.
- Google local plumbing professionals and companies:
Google is working on search solutions that will enable customers to find qualified home service providers. A simple search of Plumbers Near me will pop up a number of sites and pages linking to qualified plumbers in your area. The service is a part of Google’s AdWords Express, which allows service providers to pay Google to rank higher in the search engines. Customers can easily reach out to service providers via their websites and pages.
This is pretty useful for people who like to get information about local service professionals in a few clicks. By connecting people with the local service providers including plumbers and electricians, Google hopes to engage customers and prevent them from turning to platforms like Amazon.
HomeAdvisor helps millions of people to find and book professionals to perform their job. The tasks may range from lawn maintenance and plumbing to builders and carpentry. Providers on HomeAdvisor are thoroughly screened after which they receive verified pro reviews based on their services. Simply select a project category that matches your needs and answer a few questions. You will be provided with four pre-screened, local home improvement pros that match your needs.
Thumbtack online marketplace allows customers to find and compare professionals in their area. You only need to provide your location and the service you need. After answering a few questions, Thumbtack will share your info with professionalisms based in your area, who will then provide you with custom quotes. This will include cost estimates, business profile, and customer reviews which will make it easy for you to pick the most qualified among them.
- Local hardware store:
An easy way to find a qualified plumber near you is by heading to your local hardware store. Because there is no better place to visit than a hardware store that specializes in home repairs. There you can ask for recommendations from the store’s employees, and you may even find plumbers in the hardware store. As a specialized place for home repairs, chances are that the local hardware store will keep business cards and contact information for plumbers and other contractors in the area.
- Plumber trade associations:
You do not need to be an expert to find a specialist plumber for your work. Look out for plumbers who are members of trade associations. Membership of trade associations represents a mark of professionalism. They encourage high technical standards and better customer service. Some reputable associations include the Chartered Institute of Plumbing & Heating Engineering (CIPHE) and the Association of Plumbing and Heating Contractors (APHC). Plumbers who are members of these associations make them appear credible and trustworthy.
If you need a plumber on an urgent basis, call a plumber and explain the problem in as much detail as possible. If your job is not immediate, you need to spend a little longer looking for the right plumber. Call at least three plumbing companies to get custom quotes; compare them and choose the one which is cost effective and seems most qualified for the job.
7 Cheesy Gifts For Couples Celebrating Their First Anniversary
A year ago they got married and the world gasped on their beautiful wedding, stunning dresses and hearty romance. Now, the earth has revolved once more around the sun and their first anniversary is about to land in a few days. Whether the said couple is your dear friend or a part of the family, this occasion requires you to step up your game and make their first anniversary celebration special by gifting them something that they would adore and remember you for gifting it. A gift that imprints your affection on them and makes them realize that their relationship has all the good wishes from your end and you love them from all your heart. Here are a few gifts that you could get the couple who just completed one of many milestones of their married life. Wish them love and luck with one of these pretty gifts meant to evoke a blush on their cheeks:
1. Personalised Cutting Board
Get a cutting board graved with their names or a loving message for them and see them thinking about you every night when they are making dinner or cutting vegetables. This will remind them what a loving friend they have in you!
2. Wine Glass Set
If they are wine lovers, then they can never have too many of them. Fancy and still useful, they will surely adore this lovely gift from you. Every time they will open a wine bottle and pour it in one of these glasses, they will be reminded of you for sure.
3. Champagne Flute
Stunning set of glasses engraved with their name and date of the wedding is an idea you should definitely opt for. Not only it will make an ornamental possession, but they will also be delighted to be reminded of the magical day every time they will drink from it.
4. Subscription Box
If you know their favourites, then you could get them a subscription box filled with some of their favourite things that will be delivered to them every month. Be it shampoo, conditioner, coffee jar, lotion, food or whatever you might think that will make them happy and cheery. They will adore you for such a wonderful and thoughtful gift.
5. Concert Tickets
Gift them an evening of fun and frolic with concert tickets for two! Not only a concert, you could opt for any event like a play or a movie but something that will take them out of their daily routine and give them an evening to remember. They will wholeheartedly thank you for this amazing gift.
6. Heart Shape Lamp
One to put on the bedside table that will never let the light of romance fade in two hearts that are meant to be together forever. Creating a romantic ambience, this lamp will be one of their favourite home decors for sure. Think no more and start looking for one right away!
7. Personalised Photo Frame
Cheesiest of them all but still a classic which can ring a bell or two in hearts. Holding a fond memory and loving message, this one is sure to make its way right onto the centre table in the living room or side table in the bedroom. Every time the couple will glance at it, they will be reminded of memory so beautiful that they want to relive it once more.
And if you run out of ideas as to what to gift them, go for a marriage anniversary cake from any reputed online bakery and gift them a dash of deliciousness and celebration right in their mouth. A good cake never goes unnoticed.