Tag Archives: Avoid

Top 6 Carpet Cleaning Mistakes To Avoid To Ensure Costly Investment Last Long

No doubt buying a carpet that is good in quality comes with a heavy price tag. Furnishing your home with beautiful carpeting is a huge investment and as such you must take care of it appropriately. Let me tell you how careful you’re as a home owner, spills & stains happen inevitably. Unfortunately, quite a lot of people undervalue the importance of hiring carpet cleaning services in Columbus OH and eventually come up with some considerable carpet cleaning mistakes. Below mentioned are some typical carpet cleaning mistakes that you must want to avoid:

Waiting too long to clean the carpet:
The fibres used in carpet is just like the root of a plant that soak up any fluid that presents itself. Juice, wine, pet urine and nail polish will all drench into your carpet except you act immediately. You can put as much elbow grease as you wish, but it won’t be effective if you leave it for too long. Eventually, you’ve to hire a pro carpet cleaning unit to take away the stain.

Using wrong products for cleaning:
Online and offline cleaning stores are filled with diverse cleaning stuff, and each boast its own unique purpose. Let me tell you that, your rug, upholstery and carpets are made of subtle materials and use of strong and harsh chemicals will only damage your costly investment. Therefore, you should always try to read the labels prior to applying it to remove a stain. If you are sill not sure, you always have the liberty to call a professional carpet cleaning in Columbus OH who knows which cleaning agents are safe and which aren’t.

Don’t perform patch test:
You cannot just pick any cleaning agent from the closet and pretend it’ll work fine on your costly carpet. Harsh chemical cleanser can discolor or otherwise injure your carpet. That is why you must check a tiny concealed area of your carpet first. If nothing shows up bad, you can move ahead.

Excessive use of deodorizers:
Deodorizing powders are designed to be employed to eliminate odors following a cleaning task, however, they aren’t as a replacement for appropriate cleaning practices. They don’t actually clean your expensive carpet, and the deodorizing powders can get trapped inside the fibres of the carpet and eventually leaving you with an untidy and irksome looking carpet.

Full vacuuming:
Daily vacuuming is essential to make sure your carpet is kept sanitized. However, if you happen to vacuum when your drum or bag is full, it decreases the ability of your vacuum cleaner which guides to decreased suction and a terrible overall result.

Always vacant your vacuum cleaner following each use. It’ll save your time and ensure your carpet look cleaner for long.

Always try to be a DIYer:
Life is too busy, and if you’ve pets and kids DIY cleaning procedure can’t clean away all the dirts. In fact, trying to get the job done alone is a big mistake when it comes to deep carpet cleaning. Professional Carpet Cleaning Services in Columbus OH can assist keep your pricey carpet clean and free of dust mites, mould, pet urine, and any other things that you don’t want in your home.

Avoid these top 6 carpet cleaning mistakes and no doubt you will enjoy clean carpeting in your home for many years.

This article is written by Real World Cleaning Services – a family owned and operated cleaning unit that offer professional cleaning solution for both commercial and residential purpose in Ohio.

Loan Modification -2 Mistakes To Avoid If You Want To Do It Yourself

The loan modification business is exploding. With interest rates at the lowest levels in history, many homeowners are taking advantage of the opportunity to negotiate a lower interest rate and better terms with their bank.

Doing a loan modification yourself is a much more economical, and many times a more effective option, than refinancing. For one thing, if you do it yourself it doesn’t cost anything (unlike a refinance -which can cost $ 1,000s). Therefore, the only risk is the investment of your time. The rewards can be great if the bank approves your modification. Many times you can achieve the same or better results than if you had refinanced. However, many loan modification applications are denied because of simple mistakes that were made during the application process. These mistakes can be very easily corrected.

Here are the 2 top mistakes to avoid when preparing your loan modification:

1-Poor hardship letter- Your bank will require you to construct a detailed letter explaining the circumstances leading up to your hardship. Although it might sound simple, one mistake here will get your modification denied immediately. Here is an example of what not to say, ‘I took out a loan to buy furniture, wallpaper, appliances, some landscaping and now the payments on that loan are making it difficult for me to keep up with my mortgage payments’. Now, I am not suggesting that you lie, but here is a better way to say the same thing. ‘I recently took out a loan to make necessary home improvements and I am now finding myself struggling to keep up with the payments’. You are just presenting the same thing, but differently. The conclusion here is that if your bank thinks in any way that you went on a spending spree, you have blown your one chance for an incredible rate.

2-Overstating your expenses- As part of the loan modification process, you will be required to complete a monthly financial budget. Many people instinctively think that the worse off you present yourself to the bank, the better your chances are for help. Be careful, as this is not true and can actually hurt you. In this situation, the bank will conclude that even a loan modification is not going to help and it will only delay the inevitable, a foreclosure. As a result, you will be denied. All banks use a formula to determine your income and expense ratio. You must fall within the proper range to qualify.

You only have one chance to get it right when speaking to your bank. You can’t go back and change the numbers or rewrite your letter. It is important to have a basic understanding of the process before you even begin to speak to anybody. A Do-It-Yourself guide will provide you with all the necessary information and help you through the process. Armed with these tools, you have the potential to significantly reduce your mortgage payments for good and get back on the right track.

J. Pisicchio is a mortgage professional with 20 yrs industry experience. Working at small banks & large institutions (Chase), he was formally trained as a credit analyst. His goal is to help consumers make the best financial decisions regarding their mortgage needs. For information on the Do It Yourself Modification guide, visit www.mortgageloanmodificationsecrets.com