Personal Finance Tips from Billionaires #job #in #finance


#personal finance advice

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Personal Finance Tips from Billionaires

Many people instinctively roll their eyes at the thought of getting personal finance tips from rich people. After all, advice like “Buy topaz dog collars instead of diamond ones” doesn’t exactly resonate with someone who has to stretch every paycheck to make ends meet. But there are some solid tips from very wealthy people that make sense regardless of your financial situation. Here are some personal finance tips from billionaires that can apply to just about everyone.

Carlos Slim Helú is a Mexican businessman who was ranked as the richest person in the world for a few years (Bill Gates regained the title recently.). Slim’s personal finance tips reflect commonly held wisdom among wealth-building experts, including this very basic tip: start early. If you’re 45 and struggling, this may seem irrelevant, but in your case, the advice should be changed slightly to “start now.” The sooner you start managing, saving, and investing your money, however limited, the better off you’ll be as long as you avoid mistakes like throwing all your investment money into one stock. Slim lived this advice, buying shares in a Mexican bank at age 12, and earning 200 pesos a week at as a teen working for his father’s company.

Find Your Passion

Your bank account may be empty, but believing in yourself at the most fundamental level costs nothing. As billionaire Oprah Winfrey said. “You become what you believe. You are where you are today in your life based on everything you have believed.” Change is possible whatever your situation, and the first step is believing in yourself.

Closely related is finding out what your passion in life is, whether it’s sewing, animal rescue, or writing software.

Christopher Paul Gardner is “only” a millionaire, but he was a homeless single father for a time. Carmine Gallo had the opportunity to ask Gardner his secret to success, and Gardner said. “Carmine, here’s the secret to success: find something you love to do so much, you can’t wait for the sun to rise to do it all over again.” Maybe you can’t start that design business, but you can go online or go to your library and start learning about it, and the sooner you do so, the better.

You Don’t Have to Game the System

Billionaire Warren Buffett lives in Omaha, and he made his investment fortune on the fundamentals. focusing on companies with strong annual cash flow, and choosing companies that aren’t at risk of technical obsolescence. Buffett spent the early part of his career investing in insurance companies. It’s not sexy, but it obviously worked. Whether you have $50 to invest or $5,000, sticking with the fundamentals is smart.

Simplify Your Life

This personal finance tip is similar to the previous one. Warren Buffett lives in a house he bought in 1957 for $31,500. Carlos Slim has lived in the same house for more than 40 years. Constantly pursuing things you don’t need puts you on a financial treadmill, not an upward escalator.

Walking and Taking Public Transport Is Nothing to Be Ashamed Of

John Caudwell, David Cheriton, and Chuck Feeney are billionaires you probably haven’t heard of, but all three walk, ride bikes, or use public transport for everyday getting around. It’s easy on the bank account, and better for the environment. If these guys aren’t ashamed at taking the bus, you shouldn’t be either. Haters are gonna hate. Ignore them.

Cars Are Consumer Goods

Ingvar Kamprad of Ikea drives a 10-year-old Volvo, and Walmart billionaire Jim Walton drives a 15-year-old pickup truck. Don’t waste time on the idea that a car is a status symbol. Sure, if you’re a car aficionado, there’s nothing wrong with restoring or buying that sweet ride you’ve dreamed about, if you can afford to. But for most people, including rich people, getting from Point A to Point B in safety and reasonable comfort is sufficient. Some personal finance tips are about distinguishing needs from wants.

When you experience financial difficulties, it can be a little much to take listening to advice from billionaires. But some very wealthy people started from very humble backgrounds. Whatever your financial situation, you can improve it, and personal finance tips offered by the very wealthy can make sense in just about any situation. Buy low, sell high, and don’t waste money. Find your passion and make time for it, even if you’re working at a wage-slave job. These aren’t just tips for financial success, but for making the most of your life, and isn’t that what money is supposed to help you do?


11 Money Tips for Older Adults #watches #on #finance


#msn finance

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11 Money Tips for Older Adults

Getting older isn’t all bad. If you’ve accumulated wealth over your working years, it can be the time to enjoy all of that hard work. But financial stresses often arise, including budgeting concerns, income limitations and even fraud. These tips will help older adults ensure their cash lasts as long as they do.

Budget carefully.

During retirement, income tends to be lower than it was in the prime earning years, and that means older adults need to look for ways to limit expenses to make their nest eggs last. Eric Meermann, a certified financial planner with Palisades Hudson Financial Group and contributor to the new book, “Looking Ahead: Life, Family, Wealth and Business After 55,” says one key is to track living expenses to make sure you don’t burn through savings too fast.

Don’t be too generous.

When grown children are struggling with their own financial lives. it can be tempting to open up your bank account to them. The problem with this approach is that it can stress your finances and lead to family tension. That’s why Bart Astor, author of “AARP Roadmap for the Rest of Your Life,” says it’s important make protecting your money a priority, even while trying to help your children.

Plan with your partner.

Even if you’ve been married to your spouse for years, it’s possible that you have different visions of how to spend your retirement years. That’s what Ellen Rogin, a financial services professional and co-author of “Picture Your Prosperity,” discovered when she learned her husband wanted to spend time on a sailboat in the Caribbean. Once she knew about his dream, they could start planning for it.

Make sure your bank is on your side.

Some banks cater to older clients more than others, with perks such as using larger print in communication, meeting outside of the bank and speaking clearly without being condescending. Asking about your bank’s age-friendly policies before you need them can help ensure you don’t get frustrated with its policies later.

Put fraud safeguards in place.

Older adults are at a greater risk for financial fraud, but there are ways to reduce that risk. Family members can be alerted to large withdrawals from accounts, debit cards can be programmed to only work in certain locations and names and numbers can be placed on “do not call” lists.

Prepare for cognitive decline.

When it comes to managing money, signs of cognitive decline tend to show up in one’s 60s and 70s. It can become harder to manage bills, calculate tips and make change. Sometimes adult children or others can help prevent bigger problems, like falling behind on bills, by noticing those red flags and stepping in to help.

Keep learning.

While cognitive decline is real, other research suggests that older adults with higher levels of financial literacy are more likely to have higher wealth levels. Understanding concepts of investment risk and the stock market is associated with the ability to build and preserve wealth, according to the research of Joosuk Sebastian Chae of the University of Massachusetts.

Protect your digital assets.

If you’re active on social media or have an extensive digital library or music or books, you’ll want to consider how to pass on those digital assets when you die. You can include your wishes in your will, pick someone to share account information with and restrict your privacy settings now so you’re not oversharing personal details with strangers.

Get money help from your adult children.

Adult children can often play a useful role in helping their parents manage money as they age. It’s important to enlist the support of children before experiencing a crisis or cognitive decline, so they know the basics of where to find account information if they need to. Talking through plans and wishes, and even writing out an overview of how you want to manage money as you age, can also help.

Consider launching a business.

Starting a business in midlife or later can add to your income in retirement as well as bring a measure of professional and creative satisfaction even after you leave your day job. Author Lynne Strang, who opted for self-employment at midlife herself, found a huge growth in the amount of support available to older entrepreneurs, including at AARP and the Small Business Administration.

Teach your grandchildren about money.

Grandparents can play a significant role in teaching grandchildren about the value of a dollar. A 2014 survey from TIAA-CREF found that many young people say they are open to talking about finances with their grandparents, but only a small percentage actually have those conversations. Still, most grandchildren say their grandparents do influence their financial habits.

See these other Personal Finance slideshows:


Finance Resume Examples and Writing Tips #finance #tutor


#finance resume

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Finance Resume Examples and Writing Tips

Before you start working on your resume, take the time to review resume examples and templates to get ideas for how to write and format your own resume.

Banking, Finance, and Insurance Resume Examples

Here are resume examples for a variety of finance related positions including banking, finance, operations, insurance, and general finance resumes.

How to Use Examples and Templates

Designing a document such as a resume from scratch can be time consuming and difficult.

A template helps you with the layout of your document. Templates also show you what elements you need to include in your document.

Along with helping with your layout, resume examples can help you see what kind of content you should include in your document. They can also give you ideas on the type of language you want to use. For example, a sample resume might show you the kind of action words you should include in your own resume.

You should use a template or example as a starting point for your own documents. However, you should always be flexible. You can change any of the elements of the example to fit your own needs. For example, if an example resume lacks a skills section, but you want to include one, you should do so.

In fact, you should never make your own document the exact same as an example or template. That is because your documents should fit your individual work history and the requirements of the job for which you are applying.

Tips for Creating a Finance Resume

While each resume should vary based on your particular experience and the job description, there are a few things you should consider doing on any finance resume. Read below for a few tips for writing a finance resume.

  • Quantify your accomplishments. Financial employers want to see how you will add value to their company. Do this by showing, numerically, how you improved previous companies. Phrases like “reduced closing process by 3-5 days” or “saved company 10% in overhead costs” clearly demonstrate your accomplishments in the finance industry.
  • Write a resume profile. A resume profile or resume summary statement is a great way to concisely demonstrate why you are qualified for the job. In a few sentences, you can explain how you have added value to other companies.
  • List your certifications. Many finance jobs require particular finance certifications. List these certifications in a separate section of your resume to clearly demonstrate your expertise.
  • List your skills. There are a number of skills that are critical to a financial job. For example, one area that is particularly important in the financial industry is software experience. Consider making a specific list of software skills on your resume.
  • Describe each company. Consider providing details on each company you worked for. Note whether each company is public or private, its size, and net worth. This will help the company decide whether you have experience with similar organizations.

Finance Resume Examples

Resume Types and Templates

Also review the various types of resumes, including functional, combination, and targeted resumes, as well as resume templates you can download to create your own resume.


USwitch’s Top Tips To Find The Best Car Finance Deals #motor #finance #corporation


#finance deals

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Get the best car finance deals

Don’t fall into the car finance trap, read on for our top nine tips for finding the best car finance deals.

Buying a car is often a large financial commitment, but there are a number of options available to help drivers complete the four-wheeled transaction.

However, our research found that less than a third of bargain hunters looking for a cheap car think about car finance before they head to the dealer s forecourt.

This could be an expensive mistake, because failing to find a cheap car loan or research the best car finance deals can drive up the price you ultimately pay.

Top tips for getting a cheap car loan

    • Best buy unsecured personal loan rates are only available to people with a good credit history, so not all car buyers will be able to get them. However, it’s still worth shopping around as there are still quite a few good deals. You can check your credit report for free before you apply .
    • Having the money ready before you start car hunting will strengthen your bargaining power as you can make the purchase immediately – you are effectively a cash buyer.
    • Some car dealers offer 0% finance on new cars, these deals are definitely worth considering if you can get one you may have to pay a hefty deposit though.

    • When looking at car dealership finance, make sure you take into account the size of the deposit and the final payment as well as the monthly payments as this can really ramp up the overall cost.
    • Leasing deals can sometimes work out cheaper as consumers may not have to pay for servicing and repairs.
    • For consumers with a poor credit score, leasing could be next best available option as they are not actually buying the vehicle.
    • It is also worth looking at cars that have been pre-registered by a dealer. They only have a few miles on the clock so in effect you get a nearly brand-new vehicle at a second-hand price.
    • The collapse of a motor manufacturer can have a knock-on effect on a car s re-sale value plus the availability of vehicle parts these factors should be carefully considered by potential buyers.
    • As well as haggling on the price, look for free extras such as extended warranties and service packages.

Read more…

      • Cheapest Loans Uk What are the cheapest loans currently available in the UK
      • Comparing Loans What should you look out for when making a loan comparison?
      • Credit Unions Banks and payday lenders aren t the only places you can get a loan

Financing A Car Tips and Tricks #senate #finance #committee


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Auto Financing Options

  • You ve found the perfect car. It fits your image, your lifestyle, your personality now you ve got to make it fit your budget. If you re like most Americans, you ll have to finance the purchase. Auto financing is a big business with many players competing for a share of the revenue, so it pays to shop around. Before you buy, read up on our auto finance tips to ensure that you re the one who comes out ahead.

    Auto financing with the dealership can cost you

    But convenience comes at a high cost. The interest rate on dealer-financed loans is usually higher than on bank or credit union loans sometimes substantially so. Often, dealers will determine your interest rate based on your credit rating and then tack on fees and extra percentage points. Dealers can also make money by selling your loan to other lenders, which then pay them part or all of the markup as commission. This process creates an incentive for dealers to pile on as much interest as possible.

    Here s another caution to consider before signing on the dotted line: Studies have shown that interest rate markups can be even higher for members of visible minorities. Many states have introduced interest rate caps for auto and other consumer loans to protect buyers from unreasonably high rates. Additionally, the Servicemembers Civil Relief Act (SCRA) has implemented a six percent cap on interest rates for entering, active and deployed military service members. Before heading to the dealership, find the average current interest rates for loans in your area. This will give you a point of reference for realistic rates and the confidence to challenge an unfair deal. Also be sure to calculate an estimate of your auto loan to make sure the dealers are not tacking on hidden costs.

    Calculate your monthly auto payment

    Your Monthly Payment: $248. 18 Disclosures

    Get Auto Loan Preapproval Before Going to the dealership

    It s always best to be prepared when you step through the dealership doors, and you can get pre-approved for a car loan before you even leave your couch. You can use your personalized offers as leverage to try to reduce the dealer s interest rate. From there, choose the best deal you are offered whether it s from your lender or the dealership. Isn t it nice to have options? If you can t get preapproved, you ll want to consider some auto loan options for people with bad credit.

    The great debate: rebates vs. low rates

    The dealership may offer you a choice between a cash-back rebate from the manufacturer and low-rate financing typically a loan with zero-percent APR. Statistics from the National Automobile Dealers Association show that a very small percentage of the people who apply for zero-percent financing are actually approved. Even if you can afford the higher monthly payments that usually comes with zero-percent dealer financing, it may be a better deal to take the rebate and take out a low-interest loan from the bank especially if the rebate is over $1,000. Here s what we mean:

    Let s say you are buying an $18,000 car and you ve put down a 10 percent deposit. The dealer offers you zero-percent financing or a $3,000 rebate. If you take out a loan (from the local bank or credit union) with six percent interest and apply the rebate to your down payment, you will be $1,255 better off over four years than if you had accepted the dealer s zero-percent APR loan. In a situation like this, don t hesitate to grab a calculator and crunch the numbers yourself.

    Consider using a home equity loan for your auto financing

    If you own a home and qualify, you may want to consider a home equity loan. With this type of loan, you borrow against the paid-up equity in your home. In some cases, the interest rate may be lower than for other types of consumer loans, and you may be able to deduct the interest from your income-tax bill. Keep in mind you are using your home, not your car, as collateral for the loan. Be sure to compare the home equity loan and your other options on an APR basis.

    Knowledge is key

    We know purchasing a vehicle can be tricky, but taking the time to educate yourself about auto financing is the best way to make a smart buying decision and you re already one step closer. If you re ready to shop for cars online. LendingTree Autos offers new and used vehicles for sale. Start your car buying experience by browsing our online inventory of cars.


  • 7 Tips for Coping With Holiday Financial Stress #heights #finance


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    7 Tips for Coping With Holiday Financial Stress

    Money can’t buy happiness, but it sure can buy a lot of gifts. So if you’re running low on cash during the holidays and have a lot of family and friends to buy presents for, this can be a frustrating season. Here are seven strategies to help you combat financial stress.

    Budget. Carefully budgeting for holiday gifts is an obvious strategy that isn’t very satisfying if you’re behind on bills, haven’t bought anything and are panicking with Christmas just weeks away. (Hanukkah, of course, came early this year, ending Dec. 5.)

    Still, who can argue with the idea of planning what you will spend? While your budget may not look pretty, do what you can. Amitrajeet Batabyal, an economics professor at the Rochester Institute of Technology’s College of Liberal Arts in Rochester, N.Y. suggests that after you set a budget, aim to pay cash for your purchases, shop online to efficiently find sale prices and avoid applying for department store credit cards that can put you further into debt.

    Avoid stressful shopping situations. Shopping during the holidays can be taxing even when you have money, observes Robert Epstein, a psychology professor at the University of the South Pacific and a senior research psychologist at the American Institute for Behavioral Research and Technology. Epstein is also the former editor-in-chief of Psychology Today. He says shopping on a deadline can make anyone sweat and suggests fighting stress proactively.

    “In other words, try to arrange things so that you never even encounter the actual stressors,” Epstein says. “That can mean buying things well in advance of the deadlines, shopping only when the crowds are small, buying over the Internet with a cocktail in your hand – doing whatever it takes so that you never have to fight for a parking space or deal with a rude cashier. Fight stress before it starts.”

    And you may find that you make smarter budgetary decisions without a lot of stress and chaos surrounding you.

    Don’t keep your money woes to yourself. This can mean a lot of things, of course. If you’re truly down in the dumps and unable to cope with your financial situation, you need to find someone to confide in, stat. If not a family or friend, consider contacting the National Foundation for Credit Counseling (nfcc.org; 800-388-2227), which can help you set up a financial plan.

    If you’re truly in despair, consider the National Suicide Hotline (suicidepreventionlifeline.org; 800-273-8255). Hopefully you aren’t anywhere near that depressed; You’re just understandably frustrated and stressed by the idea of paying your usual bills while trying to buy what seems like an inordinate amount of gifts.

    If that’s the case, “get the whole family on board so that everyone feels comfortable with the idea of a [holiday budget] plan,” suggests Lynn Ballou, a certified financial planner and owner of an investment advisory firm in Lafayette, Calif.

    If you have kids that are old enough to understand, Ballou recommends telling them in advance that the number or quality of gifts will be modest. And recognize that you may be doing them a favor in the long run. “Raising kids who really understand and internalize that message are far more likely to manage their own fiscal lives better than those whose parents never set money boundaries,” Ballou says.

    Remember what’s really important. “The best way to cope with a materialistic time of year is not to fall prey to pressure from the retail world and spend because it is what you do during the holidays,” says Carla Blair-Gamblian, a home loan consultant with Veterans United Home Loans. “The holiday is about religion and family. Focus on that.”

    That’s easier said than done if you have kids with high expectations or materialistic parents, siblings, cousins and friends, but it’s irrefutable advice.

    Be creative with your gift-giving. If making, say, handmade soap and other crafts isn’t an option due to your lack of artistic skill, you could always give someone the gift of time.

    “Offering your time is the biggest gesture since it’s the one thing everyone lacks during this time of year. Offering to babysit your sister’s kids while they spend the day shopping for gifts. or helping a good friend prepare meals for a holiday party is a very generous gift that costs little more than time,” says Farnoosh Torabi, a personal finance author and host of the weekly video series “Financially Fit,” on Yahoo.

    Don’t spend the holidays alone. If you’re going to bow out of gift-giving, you may feel tempted to skip family get-togethers. Don’t, urges Torabi. “The holidays are really about spending time with loved ones. Your physical presence means more than anything,” she says.

    Don’t blow things out of proportion. Yes, if you wanted to buy your children an iPad or Nintendo Wii, and they’re going to have to settle for some board games and a Slinky, there’s no way around it.

    And yet Blair-Gamblian offers the most spot-on advice, which every parent, if they look back on their own childhood, will probably instantly see as correct: “At the end of the day, most children don’t remember many of their holiday gifts anyway,” she says.

    The gifts they’ll probably remember more than anything, she says, are the tacky socks from Grandma or a journal from their mother. “Trendy items come with a large price tag and a short shelf life,” Blair-Gamblian says. “It’s just not worth your hard-earned dollars.”

    So when it comes to holiday giving, focus on what you can do – not on what you can’t.


    Finance and Accounting Resume Tips #wentworth #finance


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    Resume Tips for Finance Professionals

    Finance and accounting professionals can find career opportunities in any business sector. Whether you re looking to be a CFO or controller. financial analyst or financial planner. portfolio manager or investment counselor, the requisites for the resume are the same.

    When developing your finance or accounting resume, focus on skills, areas of expertise, certifications and specific accomplishments. The resume must convey what you can do for the companies you are targeting. This can be accomplished by illustrating how you contributed to previous employers or clients fiscal health.

    Identify Your Goal

    Before you develop your resume, you must have a clear finance or accounting job target. Do some preliminary research — review job postings. see what types of positions are available and which companies are hiring, and get a good feel for the desired qualifications. This research will help you determine the skills and experience you should emphasize on your resume.

    Summarize Your Key Qualifications

    When constructing your finance or accounting resume, summarize your strengths and key qualifications in the top half of the first page. This can be accomplished with the Professional Profile and Areas of Expertise sections. Here is an example of an opening paragraph for an individual seeking a CFO position:

    Chief financial officer with 15 years of corporate accounting and management experience. Hands-on manager with expertise in accounting systems development, fiscal management and financial reporting. Proven record of developing and implementing financial and operational controls that improve P L scenario and competitively position firm.

    In reading this brief paragraph, a prospective employer or recruiter will immediately grasp the scope of this candidate s professional experience. Follow your profile section with an Areas of Expertise, a list of keywords pertinent to your finance or accounting career choice. In the case of the above candidate, the section might include the following terms:

    • Financial and strategic planning.
    • P L management.
    • Auditing and compliance.
    • Accounting standards.
    • Operating and working capital.
    • Budget development and management.
    • Merger and acquisition negotiations.
    • Cash-flow management and modeling.
    • Business valuations.

    The Areas of Expertise should highlight your specific skills and knowledge. You should also include your finance or accounting industry certifications and licenses, such as CPA, CFA, and Series 7, 63 and/or 64.

    Emphasize Your Accomplishments

    The rest of the resume delves into your professional finance or accounting background. Under each employer, present a brief paragraph describing your basic job responsibilities, followed by a bulleted list of accomplishments. Show quantifiable results of your work. For example:

    • Instrumental in revenue and income growth of 76 percent over a 15-month period, through both organic growth and acquisitions.
    • Increased cash flow by $15 million by consolidating credit-analysis function, reducing outstanding receivables from 48 to 15 days and minimizing risk from marginal customers.

    Keywords to Include in Your Resume

    staff accountant, financial planner, cost accountant, portfolio manager, finance manager, financial reporting analyst, international controller, financial analyst, VP of finance, CFO, chief financial officer, treasurer, assistant controller, bookkeeper, accounts payable clerk, accounts receivable clerk, collections specialist, mutual fund analyst, credit analyst, payroll clerk, payroll manager, financial assistant, director of investor relations, procurement specialist, purchasing manager, fixed asset accounting, business process reengineering, risk management, value-added analysis, SAP, GAAP, financial projections, general ledger, trial balance, financial statements, expense analysis, tax reporting, tax planning, payroll, benefits administration, portfolio management, cross-functional team leadership, financial and strategic planning, P L management, auditing and compliance, operating and working capital, budget management, mergers and acquisitions, cash-flow management, business valuations, data warehouse reporting, audits and compliance, A/P, A/R, regulatory accounting, CPA, CFA, MBA, MS Excel, bank reconciliations, Crystal Reports, Hyperion, spreadsheets.

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    SANS ISO 17799 Audit Checklist
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    The 22 Best Websites For Finding Rentals, Homes, Movers And Even Pet-Friendly Pads #moving #sites,apartment #hunting,websites #for #apartments,moving #tips,websites #for #houses,websites #for #rentals,websites #for #moving,moving #ideas,house #hunting,real #estate,moving


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    The 22 Best Websites For Finding Rentals, Homes, Movers And Even Pet-Friendly Pads

    Let’s be honest: Moving can be a big pain in the butt. Between packing everything you own into boxes, finding a new place that’s in your budget AND near enough to work (not to mention a decent bar and a dry cleaner) and hiring trustworthy movers that will get your stuff to your new home in one piece, your head will be spinning.

    Thankfully, there are some seriously good resources online that will take (some of) the stress out of the process. So stop trolling Craigslist and scroll through our big list of the best websites for rentals, new homes and moving below.

    Finding A Rental Apartment:

    Apartments.com. This one’s a snap. Just type in the maximum rent you want to pay, and you’re on your way to finding your next home.

    ForRent: This site does it all AND has special sections for those who are living off campus or relocating.

    Rent Jungle: You can choose features you can’t live without, like a fireplace or hardwood floors, from thousands of listings in the area of your choice.

    Hotpads: Use this site’s interactive map to find a new place exactly where you want it.

    Apartable. If you’re in the New York area, Apartable can help you find NO FEE rentals. Which, if you live in this city, is huge.

    StreetEasy. Available only in certain metro areas so far, this site simplifies the process and connects you to the most viable rental and sales listings in your area.

    Padmapper. With the tagline “making apartment hunting suck less,” this site has a cool interactive map so you can pinpoint all of the rentals available in the area of your choice.

    Naked Apartments. Another site for New Yorkers, the best feature is it allows you to read anoymous reviews of brokers.

    Sociallisting. Not just for finding apartments, this cool site taps into your own friends via your social networks to help you find a new place (or even a job).

    If You’re Looking To Buy:

    Realtor.com. Operated by the official National Association of Realtors, this site is legit.

    Trulia. This one has it all: houses, apartments and helpful information about local realtors.

    Zillow. This is the largest real estate network on the web and mobile, so this is your go-to site for info for buying OR renting your next place.

    Homefinder. Quickly search for houses for sale, rentals and even foreclosures.

    Homes.com. Exactly what it sounds like, this will connect you to local listings.

    Moving.com. A one-stop-shop for moving quotes, storage locations and handy tools like a moving cost calculator.

    Unpakt. You can shop for quotes with the specifics of your move, lock in a rate and book online.

    Door To Door: This Seattle-based company delivers portable containers that you pack at your pace, then they’ll pick them up and move them for you.

    MovingScam.com. This site lists reputable movers in your area so you won’t get, well, scammed.

    Uline. Need boxes, tape and packing peanuts? Head over to this site that has all of the materials for a successful move in one place.

    UShip: Do you have something unusually large (like a car) that you’re not sure how to get from point A to point B? Try here.

    Other Helpful Resources:

    I Am Moving. Don’t forget to change your address. This site will take care of letting over 1,500 organizations know where you’re heading for free.

    People With Pets. This is exactly what it sounds like: A resource for people who are moving with their furry friends and are looking for pet-friendly new homes.


    Hitchin Plumber: Herts Plumbing: Peter Lewis: Family owned plumbing, gas central heating & boiler fitters in Hitchin Herts, plumbing maintenance tips.#Plumbing #maintenance #tips


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    plumbing maintenance tips

    Plumbing maintenance tips

    We are a Hitchin-based family-run plumbing and heating company.

    Peter Lewis has lived in the North Herts area all his life, and lives with his family in Hitchin.

    Herts Plumbing covers Hitchin and all the surrounding towns and villages. We have a small team of three ‘Gas Safe’ registered engineers who between us have over 40 years of experience in plumbing and heating.

    We specialise particluarly in domestic heating solutions, boiler installations and upgrades, and are Gold Standard Accredited fitters with Worcester Bosch.

    Plumbing maintenance tips

    Services

    New Boiler installation

    Our huge experience of boiler installation projects and all things heating is second to none in the North Herts area. We are Gold Standard Worcester Bosch Accredited installers and provide full guarantees.

    Plumbing maintenance tips

    Bathroom/Kitchen Refits

    We work with a large team of experienced fitters and can manage all types of bathroom and kitchen refits.

    Emergency Call-Outs

    We don’t provide an official emergency call out service but we’ll always be happy to help where we can.

    Boiler Service

    We offer a full boiler maintenance service and landlord safety certificates.

    Heating installation

    We undertake domestic heating installation of most descriptions. Gas central heating a speciality, also underfloor heating and electric storage heaters.

    Gallery

    Plumbing maintenance tips

    Herts Plumbing sponsorship of the the Hitchin Beer Festival 2017

    Plumbing maintenance tips

    Two of our vans.

    Plumbing maintenance tips

    A little pipework from a recent boiler installation.

    Plumbing maintenance tips

    The company dog, Molly.

    Plumbing maintenance tips

    Pete hoovering out an old boiler ready for testing.

    Plumbing maintenance tips

    Pete preparing a new boiler for installation.

    Plumbing maintenance tips

    Will and Stuart laying down some underfloor heating.

    Plumbing maintenance tips

    Will, Pete and Stuart.

    Tips & Advice

    Cutting off the water supply in an emergency

    If your tap is connected to the mains, it is relatively simple to cut off the supply. Turn off the indoor stop valve. If it is stiff, it is advisable to use a spanner, or to apply a little oil if necessary. When this has been done, simply drain the remaining water away by turning on the taps until the flow of water has stopped.

    If your hot or cold tap feeds off pipes from the cistern (water tank) , there should be either a gate valve or mini stopcock available to turn off. The stop valve can be found alongside the cold water tank. When these have been turned off, switch on the tap until the water flow has stopped.

    N.B. If you find that neither the gate valve or the stopcock are present, then the cistern itself will have to be drained. To drain the cistern you must first prevent water entering the system by switching it off at the mains. Alternatively you can tie up the ball-valve by placing a piece of wood across the tank and tying the arm of the ball-valve to it. Either way, the flow of water will be stopped. The bathroom taps can then be turned on to drain out the remaining water.

    If for some reason you wish to turn off the outdoor stopcock, you will first need to find it outside of your property. If you cannot locate it, get in touch with your water company. Take of the cover off, and insert the stopcock key. When you have reached the handle at the bottom, turn it clockwise to cut off the flow.

    Always know where your stopcock is and make sure it turns the water supply off. If it stiff and seized up look for were your water supply isolates outside the boundry of your property. If this is deep and filled with earth it will be difficult to turn off. Try to check the stopcock every month or two to keep it working.

    Try to make sure you understand what type of system you have – Do you have tanks in your loft or do you have a combi boiler. If there are tanks in the loft make sure you know how to isolate the supplies to them, perhaps there are some valves in your airing cupboard?

    Keep all pipe work in exposed areas i.e in the loft or outside insulated to protect it from freezing.

    Draining your heating system

    Know where to drain your heating system from. This will be a small valve under one or two of the downstairs radiators. It can also be outside. It can save a lot of time looking for it!

    If a tap has started dripping, it will probably be just a washer. If is left it can cause damage to the tap which may be irreparable.

    Next time you are in the loft check the tanks up there – they should be well insulated and have a secure lid. Check that there is not debris in the tanks (especially dead birds– nice water for brushing your teeth in). This can block the outlet and cause bigger problems further down the line.

    If you have a combi boiler, check the pressure and know what it should be when the system is cold. Also know how to repressurise the sysytem if it does drop. If the pressure drops regulary you will have to investigate why as there will be a fault there somewhere.

    Know whether your heating system has had some chemical inhibitor added – this will prolong the life and efficiency of the system. After the summer you may find some of the Thermostatic radiator valves(TRV) pin may become stuck (the radiator will be cold when the heating is on) Try unscrewing the TRV and gently pulling the small pin upwards with a pair of pliars. This should release it and the radiator should now get hot.

    The radiator is cold at the top and not at the bottom – generally caused by air. This can be removed by venting / bleeding the radiator. Use a vent key (purchased from most hardware shops) bleed / vent until water comes out.

    Customer Testimonials

    “I have just had my central heating boiler replaced and other items of the heating system changed. This work was carried out by ‘Herts Plumbing’ and I would like to record my satisfaction concerning the way that the job was done. Mr Lewis and his assistant were very friendly and were clean and thorough in everything that they did. A job very well done, no mess and no fuss – many thanks. I highly recommend Herts Plumbing to anyone.” – Mr Denis Holland

    “Peter and his team’s enthusiasm and willingness to please their client distinguished them from other contractors we were considering. This ‘can do’ attitude complimented with their responsive and flexible approach made the whole project flow more smoothly. In short they have done what they said and have met all of our time, cost and quality objectives on a substantial project which presented more than its fair share of challenges.” Lucinda

    “Peter, we at Hitchin Damp and Timber, are very pleased to have you along as part of our team on our contracts. Your work is clean and efficient and your dealings with our customers is very professional. You have the rare quality of being punctual and turning up when you say you will, as well as being a polite and pleasant chap.” Mr Chris Bradburn, Hitchin Damp and Timber

    “We have used Herts Plumbing on several occasions to work on different plumbing jobs. They are always efficient, quick to respond, and do an excellent, professional job. We would never use anyone but Herts Plumbing.” Mrs Lucy Dean

    “Dear Peter, We would like to thank you very much for your prompt attention and help in sorting out our hot water cylinder and radiator. We appreciated the fact that you simply got on with the job without any fuss and made such a good job of clearing up afterwards. We shall certainly recommend you!” Mr & Mrs Dick & Sue Soper

    “Herts Plumbing have always provided us with a friendly, reliable service for all plumbing requirements at our chain of inns. I have also used them privately to install a new bathroom with power shower where they understood our needs and worked very well to a tight deadline.” Mr Ben Chapman, MD, Bury Inns

    “This is to confirm that we have no hesitation in recommending Peter Lewis of ‘Herts Plumbing’ as an excellent tradesman. All work that he has carried out for us has been good. He is reliable and efficient. We will most certainly use him in the future.” Mr Jeremy Rich, Space Lettings

    “I’m pleased to say that Herts Plumbing has done a great job in improving the water pressure at The White House – a big improvement and much appreciated.” Mr Toby Turner

    Contact details for all the above are available on request.