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Sometimes the inevitable happens: No matter how cautious and organized you’ve been,you’re going to fall behind on your bills. Whether it’s because of a job loss,increased bills,or something completely unexpected,there are many reasons why you might fall behind on debt payments. When this happens,good money management might help you get back to financial security. However,this isn’t always the case and sometimes more drastic actions are needed. To avoid severe consequences,it would be wise to begin negotiation efforts with your creditors. https://www.floridadebtreliefhelp.com/west-palm-beach-fl/ Strategies for Debt Negotiation When money management isn’t enough to get the bills paid in their entirety,then it’s time for debt negotiation. This will allow you to lower the overall amount due if your creditor approves. Properly approaching debt negotiation discussions increases the likelihood that the creditor will agree to your request. 1.Prioritize your debts.If you are going into debt negotiation for multiple accounts,you’ll generally want to eliminate the lowest balances first. However,there are exceptions and certain types of debt are more important than others. For instance,you should always make a good effort to pay your mortgage over a credit card bill,if you ever have to decide between the two. 2.Double-check your ability to pay.There’s nothing worse than making an offer to your creditor for debt negotiation,having it approved,then realizing that your offer is still too much for you to bear. By double-checking your ability to pay,you’re ensuring that your negotiation actually works for you. 3.Don’t get emotional.While you’ll want to explain why you’re facing financial hardships (job loss,medical expenses,etc.) avoid telling them your life story. Your creditors don’t have a lot of sympathy and are ultimately looking at the bottom line. https://www.floridadebtreliefhelp.com/orlando-fl/ 4.Brag about your money management.If you’ve made a good faith effort to pay all your bills,be sure to mention your payment history and the clear effort you’ve made! This will make it easier during the debt negotiation process. 5.Consider mentioning bankruptcy.If you’re considering bankruptcy,then mention it or hint that you’re considering it. A bankruptcy means that you’ll be discharged of the debt and that the debt is now the loss of the creditor. The creditor would rather lose some money through debt negotiation than the entire amount through bankruptcy. 6.Save money before debt negotiation.You’ll want to practice good money management by saving enough cash to make a payment before you begin the debt negotiation process. However,do not stop making your current payments! Instead,save enough so that you can make a payment right away. Creditors are more likely to settle if a fund can be immediately transferred. 7.Record the phone call.Consider recording the phone conversation. Recording the conversation – and letting the debt collector know you’re recording it – is a great way to keep them in line. Furthermore,you also have a record of the phone conversation! https://www.floridadebtreliefhelp.com/jacksonville-fl/

There are few design elements that spark heated debate and divide homeowners as much as granite and quartz. Don’t believe me? Tune into any show on HGTV and you’ll likely hear the prospective buyer/renter wax poetic about their preferred counter top material and shun the other vehemently. But is one really better than the other or is it merely a matter of aesthetics? To help break down the granite vs. quartz quandary,we thought up five categories to help show the differences between both. By the end of this article,you can decide which one you prefer. Before we get into all of that though,exactly what is granite and quartz? Granite is a very hard stone and 100 percent natural. It’s mined from quarries all around the world,cut down to a manageable size,then afterwards polished to a fine finish. Quartz is slightly different because it is not 100 percent natural. Instead,countertops are produced using 95 percent ground natural quartz and 5 percent polymer resins. Now that you know the basics,let’s see how they compare against one another. 1: Appearance Granite Granite comes in various colors and patterns due to the way it’s formed (cooling and strengthening of molten materials). Whether you’re looking for a subtle complement to your kitchen or a standout slab with unique mineral inclusions,there is an almost unlimited selection to select from and no two granite countertops are the same. Quartz Among the main reasons quartz has exploded in popularity is because of appearance. Quartz has the look of stone while also allowing property owners to customize the design. While granite offers many options in regards to appearance,you may have to search for the right piece that matches your color scheme. With quartz,the selection process is a lot easier. 2: Price Granite According to HomeAdviser.com,the average cost to purchase granite and have it installed can cost between $2,000 and $4,000. You can save money by purchasing the material from a wholesaler and doing a portion of the preliminary work yourself but the actual fabrication and installation of the countertops should be left to a professional. Quartz Depending upon the quality of quartz and style of edging,HomeAdvisor.com places the average cost to install quartz countertops between $1,500 and $5,500. You can do some of the preliminary work to save money,but because engineered quartz is heavier than other stone surfaces,a professional installer needs to make sure the space is structurally sound. 3: Environmentally-Friendly Granite The only way granite ends up in your kitchen is if it’s quarried which uses a lot of energy. If you select a high-end slab from Italy,for example,there will be considerable transportation involved. Try using indigenous stone when possible or visit salvage shops for pieces that can be cut to fit your needs. Quartz Since quartz is engineered,it can be more environmentally-friendly than granite if you use regionally manufactured stone and local fabricators. This cuts down on the distance the material needs to be transported. 4: Maintenance Granite Granite countertops should be cleaned daily with soap and water or a mild household cleaner. Some oils and acids can stain so do your homework first to avoid stains. To ensure the longevity of your investment,consider having your countertops resealed once a year. Quartz Like granite,you’ll wish to clean any spills on quartz countertops with soap and water or a household cleaner,but that’s about it in terms of maintenance. The solid surface means that there is no need to have your countertops resealed. 5: Durability Granite Granite is a durable material that’s resistant to heat and many other kitchen elements. Due to its porous nature though,there can be some staining if spilled liquids are left sitting and damage can be done if your counter receives a high impact blow. Quartz Quartz is actually harder than granite and thus,more durable. In point of fact,quartz is nearly indestructible,and because it isn’t porous like granite,it’s easy to keep your countertops relatively bacteria-free. Be careful with cooking pans though: Quartz can be damaged by excessive heat,so use heating pads at all times. If you ‘d like to explore the differences yourself,contact Peakstone Granite at (336) 324-2875 or visit them at http://PeakStoneGraniteMarble.com

You already know that you have a leak coming from your toilet in your bathroom and you know that you need to choose a plumber for toilet repair. But the question you ask yourself is “how much should I pay for toilet repair?” Find out what you should pay and what questions you need to ask your plumbing professional for the best deal.

Noisy and leaky plumbing is not something that you have to live with. Any qualified plumber with basic mechanical skills and tools can easily repair a toilet or upgrade to a new water-saving design. Installing a new toilet yourself with a little know-how could only take a couple of hours,but could turn out to be a lot more expensive than you are willing to pay right now. But if you’re looking for toilet repair,then consider these tips before hiring a plumber to do it for you.

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After all,your bathroom should be a source of peace and serenity – not another DIY headache!

So now that you’re ready to hire a plumber to repair your toilet,there’s only one question remaining: how much should you pay for toilet repair? Take a look at the following tips below to ensure that you’re getting the best price possible:

–Your toilet is the most important part of your bathroom. Between the toilet leaking water,being noisy,being clogged or overflowing,tank valve filling slow or not at all repairing this type of problem takes plenty of time and professional know-how. The average price for toilet repair from trusted plumbing professionals is between $80 – $500. The difference in price will vary based on experience,type of problem,type of toilet,and in some cases how long you have had this toilet problem. (Note- Listed are approximate repair cost. Please remember that costs from contractor to contractor can vary as much as 300%. Always,always get at least three estimates before making a decision.)

Install new shutoff valve $25 – $65 ea.

Install new toilet $200 – $500 ea.

Replace toilet hardware $35 – $135 ea.

Replace toilet wax seal $45 – $160 ea.

–You’ll want to ensure that any plumber quotes include all of the work you need done. When accepting bids for your project,ask your potential plumbers if they include parts and labor in the estimated price.

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–Ask if the toilet repair price includes any guarantees and warranties,such as a one to two-year parts and labor guarantee.This ensures that you won’t have to pay a penny more to correct a shoddy repair job.

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