3 Signs of a Good Bankruptcy Attorney

Financial misfortune is part of life due to various reasons – sickness, bad judgment, overall economic instability. Often we are threatened to lose our home due to foreclosure as a result of failure to pay the mortgage installments on time. In such cases, one of the best solutions to your problem will be to file a Chapter 7 or Chapter 13 bankruptcy so that you can avoid the most negative repercussions on your financial status. But in order to be successful in this hard undertaking you need a good and reliable bankruptcy attorney who has the necessary skills and desire to help you. It’s better to choose a local attorney since they will be absolutely familiar with the exact procedure followed in your region, and if you are living in the USA it is an absolute must. The best option is to contact someone, who you are familiar with or who was recommended to you by a trusted friend or colleague but in any case you can look for these 3 signs that are a guarantee of a good professional in the field of bankruptcy.

 

Extensive experience in the field

The first and most important sign of a good bankruptcy attorney is their experience in the field. When you find the name of a person you believe is your future legal representative you can look for them in the respective country association of lawyers to check first and foremost that they are actually professionals registered there and then to see their experience, you can also google them but bear in mind that heaters tend to post more comments round the web so don’t take all the bad (and good for that matter) information at face value. On the website of the legal company of the particular attorney you have chosen, you will usually be able to find a short bio of the person, which will also give you a hint of their knowledge. A good sign is if the person has some experience both in practice or as a study, in any other related field such as accountancy for example.

 

Reasonable number of cases per year

Do not be seduced by the common pitfall of hiring an attorney you saw on TV boosting to have solved more than 1,000 cases per year. This will only mean that most of the cases are transferred to the assistants or junior colleagues to deal with and only the most well-paying get the attention of the star lawyer. If you want a real person attitude and an attorney who will listen to you and give you proper advice, you need a professional who deals with about 150-180 cases per year. In this example less actually means more – more attention to your individual problem. You should be able to book a consultation and spend a good 3 or 4 hours talking to your bankruptcy attorney and discussing the options and possible outcomes.

 

Free consultations

Most of the best professionals offer free initial consultations, especially on issues such as filing Chapter 7 or Chapter 13 bankruptcy or what are the other options for fighting foreclosure. A good sign is also the availability of free advice and comprehensive information that you can find on the site of the particular attorney. It may be in the form of informative posts or free online brochures and books that you might download. This clearly shows that the person in front of you is there to help and not simply take your money.

 

These were just a few simple tips that will help you recognize a good professional if the time has come for you to a file a bankruptcy. Choose the right attorney and you will be able to overcome this temporary difficulty and return to your normal routine.

How to Take Proper Care of Your Natural Stone Tiles – 5 Simple Tips

Natural stone tiles have become quite popular in recent years and are no longer the priority of the wealthy. It is quite common now to have a white marble kitchen top, grey granite floor tiles or antique travertine bathroom walls. Natural stone is a symbol of longevity and durability, however it is also a gentle material that deserves proper care and maintenance in order to reward you with its excellent qualities. The good news is that it is not difficult to clean your natural stone tiles especially if you follow these 5 simple tips given below.

 

Get to know your stone

In order to be able to take proper care of your natural stone you should know a few details about its origin and qualities. The stones can be divided into two main categories depending on their composition – siliceous and calcareous. The first group are sedimentary rocks that consist mainly of silicon dioxide (SiO2) in the form of quartz or quartz-like particles and silica. These stones are quite popular and include granite, sandstone, quartzite, slate, bluestone and brownstone that are used both as interior and exterior tiles. Siliceous stones are more durable and are resistant to acidic fluids, hence granite is one of the preferred stones for countertop since some juice or vinegar spills won’t ruin it. Calcareous stones, on the other hand, are more delicate and sensitive. They are composed of calcium carbonate that is found in shells or pearls and to this group belong the well-known marble, onyx, limestone and travertine. Another important feature of natural stone is their porosity, i.e. the ability to absorb water. The more porous the stone is the more prone it is to stain and to freeze in harsh conditions if used outside.  according to this quality the stones that are usually used rank as follows: sandstone is the most porous, travertine, limestone and slate follow it, marble is next and granite is the least porous of all.

 

Choose the appropriate finish

There is not only a variety of natural stone tiles  to choose from but also an array of different finishes and surfaces that enhance one or another quality of the stone. Some of the most popular finishes are polished, honed, tumbled, and antiqued.

  • The polished finish gives the surface gloss and shine and makes it reflective similar to a mirror. It is often used for marble, granite and travertine but can be applied to other stones as well. The advantage of this finish is that it enhances the color of the stone but also makes the surface quite slippery, so it is not recommendable for floors.
  • The honed finish makes the stone look smooth and matted, while preserving its color. The surface has a lighter shade and is not so shine and reflective. The finishing can be applied to almost all stones and is very suitable for tiles that have to withstand high wear and tear, such as floors.
  • The tumbled finish of a stone makes it look aged and as if walked on for years. It is an ideal finish if you want to give your home the unique atmosphere of the ancient times. You can have marble or travertine tiles with this finishing and use them both for walls and floors in the kitchen or bathroom
  • The antiqued finish is also very popular type of surface since in addition to giving the stone a worn look it also stimulates its further aging and makes it more durable. It is a popular finish for a variety of stones, including limestone, marble, granite and travertine.

You can consult the natural stone tiles manufacturer for the best finishing of your stone in accordance with its purpose.

 

Always seal your stone

The most important advice you should follow is to always seal your natural stone tiles, no matter what type of stone you use or what its finish is. The sealer protects the stone from scratching and stains and enhances its life span. Always choose a sealer that is recommended for your specific stone tiles.

Take daily care

The proper regular care of natural stone tiles is of extreme importance. Both countertops and floors covered with such tiles can be cleaned with mild dishwasher detergent or soap stone and warm water. All food or liquid spills should be swiped immediately to prevent the stone from staining. In order to protect the kitchen tops always use mats under hot surfaces and avoid cutting directly on them as you can scratch them. As for the floors it is good to always vacuum bigger debris and sand particles before mopping and washing them. You can also place doormats or area rugs to protect place that are subject to high traffic.

Remove stains properly

No matter how good we take care of our natural stone tiles they will get an occasional stain or two. If you use the right techniques to clean them, there is nothing to worry about. First you need to identify if the stain is organic (from tea, coffee, food, etc.), oil, rust or other and then proceed accordingly. Organic stains can be cleaned using 12% hydrogen peroxide (hair bleaching strength) and a few drops of ammonia. Oil stains are better cleaned with a poultice with acetone, ammonia or mild household detergent, while rust is best treated with a commercial rust remover.

Observe these 5 recommendations and the natural stone tiles that you have will serve you very long time, while looking as good as when first installed.

Energy efficient home

Home Energy Tips For the Smart Homeowner

Everyone wants to save money on their home energy bills.  Better yet, wouldn’t it be even better to save money and reduce your impact on the environment?

Younger generations are placing a bigger and bigger emphasis on environmental concerns than older generations, which is great.  We have limited resources on this planet and need to make sure we take care of our planet and leave resources and a healthy planet for generations to come.

When it comes to our home, there are lots of little things we can do that can add up to big savings to your checkbook as well as minimizing the impact on our environment.

Below are some tips for saving money and the planet when it comes to your home.

 

Use Clean Energy For Your Fireplace

Instead of using wood or coal fireplaces, which produce carbon monoxide and other toxins into the atmosphere, consider using cleaner energy sources like natural gas or better yet, go electric.  Electric fireplaces have come a long way in terms of looks and energy efficiency.  My friend Jeanne over at Stylish Fireplaces in Toronto (now in Vaughan) says that younger people are moving more and more towards electric fireplaces due to their versatility and energy efficiency.

 

Use Solar Energy

Solar energy roof panels is still an emerging market but many homeowners are making the switch thanks to federal and state-level subsidies available.  While the upfront costs can be high (20K+), subsidies can offset that costs and often within 10 years your investment will start producing a positive ROI for you as well as a greatly reduced impact on the environment.

 

Energy Efficient HVAC System

If you have an old HVAC system or one that runs poorly, maybe by poor installation or m=workmanship, then you have a chance to save a bundle with a new HVAC system.  If your system is under 10 years old, a good cleaning and regular maintenance plan may be all that’s needed.  If you have an older system, replacing all or parts of the system may be in order.  We had old fibre based ductwork in our house which was falling apart and leaking all over the place, we had Lloyd HVAC install new ductwork in our home and saw an immediate 20% savings on our energy bill, which works out to over $600 a year on our bill.

 

Tankless Water Heater

A hot water tank can use up to 20% of your monthly energy bill, continually heating water that is just sitting in your tank, even if you are gone all day at work or on vacation.  A tankless water heater produces hot water on demand and only heats it when you want to use it.  A tankless water heater can add up to big savings for you over the course of the year.

 

Insulate your attic

Do you have your attic insulated or is it old and not efficient anymore?  In the summer, attic insulation will help keep the heat shining on your roof from getting into your home and causing your HVAC system to work overtime.  In the winter, it will help you keep warm air in the attic and stop it from escaping from the house.  A bonus would be to get an attic fan, which will help get heat out of your home during the summer months.

 

So here are just a few tips to save money on your energy bill at home.  Have any tips of your own?  Let us know in the comments below!

Why I Decided To Hire an Office Cleaning Company

I’ve had my office now for 6 years and during that time I have always cleaned the office myself, or enlisted the help of my husband (on the weekends no less) to help out.

My office is pretty small, two small offices with a central meeting room and a single bathroom.  I thought it was crazy to spend a few hundred dollars a month on cleaning when I can just spend 1-2 hours a week cleaning it myself at the end of the day.  I did this for 6 years until I realized how wrong I was.

The trigger started when I got sick this past winter.  I had a chest infection that I couldn’t shake.  One day my husband went down to the office to do a thorough clean and called me to tell me something gross.  He pulled out the furniture from the wall and found so much dust behind there that he started having a sneezing attack.  To make matters worse, he found some mold behind the water cooler, which had been leaking for who nows how long.

Now I don’t know if my chest infection was a result of breathing in junk in the office, but what I do know is that what I thought I was doing (cleaning the office), wasn;t actually cleaning at all.  I decided I had enough and decided to call in a professional cleaning company to come in and do it right.  If I calculated the 6-10 hours I spent each month doing a poor job at cleaning, I realized that it was cheaper, easier and more efficient to just hire a cleaning company.

The next week, Steve from Carolina Office Cleaning, an office cleaning company in Charlotte, came down and gave me an estimate.  I signed up with them 3 months ago and couldn’t be happier.  I leave the office at night and come back the next morning to a very clean office environment.  I didn’t realize how dirty the office was until it was really cleaned.  I feel happier in my clean environment and it has motivated me to organize everything else in the office, making me an efficient bee for the first time in my working life.

So if you don’t have the funds to hire a cleaning company for your office, put it on your list as it can make your working environment just a little better and maybe make you and your employees more efficient and productive.

Also check out this handy infographic I found, courtesy of Lamar Cleaning Services

Office Cleaning Infographic Charlotte NC

Why Electric Fireplaces Are Better Than Gas and Wood

Are you considering getting a new fireplace for your home?  Before you go out and purchase a gas or wood fireplace, learn more about the benefits of an electric fireplace!

Years ago, electric fireplaces were basically space heaters with a picture of flames on the front glass.  Oh how times have changed! Not only is the flame media much more realistic, some people can’t tell they are not real flames until they have their face pressed up against the glass.

The realistic look and energy and health benefits, make an electric fireplace an attractive option.  Let’s look at some benefits of an electric fireplace.

1 – They are energy efficient.  The costs to run an electric fireplace compare favorably against a gas fireplace and offers the convenience of being able to be placed anywhere an electrical outlet is nearby, you can’t do that with gas.  And with wood, you need to vent 90% of the heat out of the flu or else you’re at risk of carbon monoxide poisoning.

2 – They are convenient.  Turn on, turn off, set a timer and away we go.  Get clean heat on demand without any gas or wood smell in your home.  Want to turn it on during the summer?  No worries, use the flame only feature and have a fireplace without the heat, something you can’t do with any other fireplace.

3- They are eco-friendly.  No pollutants in the air, no carbon dioxide released into the atmosphere.  It just delivers clean, cheap and efficient heat and ambiance whenever you feel like it.

So where you get an electric fireplace?  There are dealers all across the country, Dimplex, Napolean, Amantii and Modern Flame are some fo the better options out there.  We purchased our Dimplex wall fireplace from a Dimplex fireplace dealer in Toronto last year and loved it.  If you live in the States, there are many online options as well that offer great prices.

Check out the tips below for some more electric fireplace tips and hopefully, it’ll help you decide what type of fireplace to buy for your home.

Why Electric Fireplace

Outdoor Fireplace

How To Create A Perfect Backyard For Your Family

Most homeowners know that the act of buying a property hardly comes without a certain amount of compromise. For some, instead of having sprawling grounds, it is better to make peace with a seemingly cozy yard.

You can transform your postage stamp yard to an amazing hideaway with just a little planning and forethought. You can create a space a highly functional and aesthetically pleasing small backyard if you can put certain simple ideas together. Here are some small background ideas that can help you transform that ordinary space behind your house to a perfect backyard for your family.

 

Render Your Space Function

One effective way to make your space look more cohesive is by defining its function. You can begin by thinking of various ways through which you can ideally choose to use your exterior. This may include installing a large dining table for some kind of al fresco summer feasting or a turning it into a perfect relaxation spot with plush seating area. You can either decide to break up your yard into a few distinct areas or stick with one feature depending on the availability of space.

 

Build a Tree House

This is almost a must have for every home with a backyard and kids. In fact, the tree house is the No. 1 DIY project for the backyard. This is a place where kids will love to set up meetings, play together and have fun all through the day. If you do not have any in your backyard, it is important you start constructing one with your kid but if you already have one, ensure to render a quick makeover.

 

A Nice Pool

No doubt, swimming pools has a calming effect. They tend to give a backyard that cooling effect. Building a swimming pool or even a Jacuzzi in your backyard would definitely go a long way in transforming your space into a soothing oasis. This special edge can even be obtained from a simple bird bath.

 

Plant a Vegetable Garden

Your yard can be brought to life if you plant flowers and shrubs in it. Even if they may only live for a few months, change the look of your backyard and make it come alive by strategically placing flower beds, shrubs and herb gardens. This will make your space lively and perfect for family parties and pensive personal moments.

 

Put in a Hot Tub

Whether in the middle of a regular-length day or at the end of a long day, nothing is more relaxing than soaking in a hot tub. However, ensure to apply extreme caution around the water, so as to keep things family-friendly.  If you want to use your hot tub for health and exercise, then consider getting a swim spa for your home.

 

Construct an Outdoor Fire Place

An outdoor fireplace comes in very handy during the chilling times of the winter season where you and your family members can cuddle up together to share warmth. It is also a great spot for barbecue parties and to enjoy your backyard in the cooler months of the year.

Swim Spa

Should I Get a Pool or Hot Tub For My Home?

If you need a way to relax and have fun in your home, one of the best ways to do this is by adding a hot tub or an above ground pool. Here are some tips on both so you can decide to get one or both:

When it comes to hot tubs, it’s much easier to install an above ground hot tub, as an in-ground one requires digging and/or some renovation to the inside of your house. Some of the options to consider when choosing hot tubs are the size (usually 2-8 people), seating arrangements (molded or benches), color (tan, white, etc.), shape (oval, round, square, etc.), exterior cabinet (wood, stone or composite), water jets (different sizes and types), or upgrades like LED lights or waterfalls or sound systems.

Cost of Hot Tubs

Hot tubs can cost anywhere from a range of about $2,000 and up. It all depends on the choice of the things mentioned above, and if you install it yourself or have the manufacturer do it or if it is delivered, as that can add on costs. Some of the best brands of hot tubs to choose from are Jacuzzi, Coast Spas, LifeSmart, QCA Spas, Sunbelt, and SpaBerry.

Hot Tub Care

It is necessary to properly maintain your hot tub if you want it to be sanitary and last a long time. Things like testing the chemicals and pH levels are some of that required maintenance. Plus, they should be inspected periodically by a hot tub specialist.

Above Ground Pools

Many homeowners also consider building an above ground pool as swimming is fun and a good source of exercise. Above ground pools can be far less expensive than in-ground pools for several reasons. The above ground pools, for instance, require lots of plumbing fixtures, as well as excavating dirt from your yard, etc., while that is not needed for above ground pools.

In fact, above ground pools are said to cost a quarter what an in-ground pools costs. Plus, they come in easy to install kits and can be installed with only two or three people doing the job.

Maintenance And Safety of Above Ground Pools

Above ground pools are also safer and easier to manage. Of course you still have to use the proper chemicals to keep it clean, and remove debris like leaves, but they are easier to maintain. Plus, you can put a special kind of ladder to get into an above ground pool and use a locking gate or just drain it and take it apart when you don’t plan on using it for long periods of time, as this will make it safer to have one in your yard.

Plus, if you move away to a new home, you won’t lose your pool if you have an above ground pool because you can just take it apart and move it along with all of your other household goods.

 

Physiotherapy after Car Accident

Massage Therapy After a Car Accident

Car accidents can really change the life of any person that is involved in such an unfortunate incident, especially if that person is a victim. The outcome of such an accident can even be felt dozens of years after it happened, but it can also have a financial impact as well.

While the financial problem might be solved in the end, it’s important to take care of your body after such a perilous problem happens, and the best way to do it by contacting a physiotherapist that specializes in auto accident rehabilitation. It’s important to undertake massage therapy as fast as possible, as this is the best way to take care of any physical problems and conditions that were created by the car accident.

Multiple Injuries

As you might probably know by now, there are multiple types of injuries that occur during an accident, but also some mental conditions go with it as well. The problems that can be encountered might include muscle strains or sprains, whip lash, numbness, vertigo, lower back subluxations and many, many others. A car accident can cause one or even more of these conditions, and there are some situations in which you can get a combination or injuries, which can be really unfortunate. This is why you shouldn’t wait until you get a treatment, and the massage therapy is surely the best way to solve this problem.

All of the conditions presented above can be solved by accessing a great, licensed massage therapist as that is the best way to get forward in your life and get back in shape as fast as possible. With such a therapy you will be able to recover from the trauma, both on a mental and physical standpoint, which is very important, of course.

Deep Tissue Massage

You can opt for a deep tissue massage that can easily help you recover the strength of your muscles after the injury or reverse the effects of the scar tissue. In addition, you can also go for a way to clean up the lymphatic system in order to get rid of those toxins and feel much better, as that is crucial as well. There is also a type of massage called adept therapy that allows you to open up the blood circulation, which in the end will make your muscles work properly. This type of therapy surely increases the chance of recovery, and that is why you should always try it, especially after such a shocking accident.

Always remember that a car accident doesn’t have to be the end of the world. After all, you should realize that with the help of a massage therapist you can easily overcome all those problems without too much hassle. The benefits for your body will be tremendous though, with better muscle movement and a rapid recovery that can’t be achieved otherwise. So, if you had a car accident recently and want to recover very fast, then you should immediately undertake a massage therapy treatment, as this is the best way to heal after such a misfortune.

outdoor-nature-lagoon-home

Should I Use a Mortgage Broker or a Bank

Getting a mortgage is one of the most important steps in the life of any person, a step that needs to be performed with care. One of the crucial things you need to take into account is whom you are contracting the loan from. One of the main options you have is either a mortgage broker or a bank. Both come with advantages and disadvantages, so you nee to be aware of both before taking into account any of the two options.

Despite the fact that mortgage brokers have been around for quite a while, people are still weary to work such an important loan from them because in the past some of these brokers added hidden costs that increased the overall cost of the loan, something that was fixed recently with a law specifically created for this alone.  Mortgage brokers offer homeowners more choices and more education than you would typically see at a bank.

Many people with non-traditional circumstances also benefit from working with a mortgage broker.  People with mediocre credit or self employed people may find a mortgage broker the better option when it comes to getting approved for a mortgage.

The mortgage broker is basically the middleman. He won’t loan you the money, instead he will find the best loaner that you need at an accessible price. This can be either a commercial bank, community bank, credit union, or even a mortgage bank. Some of the most important banks in the country are Wells Fargo, Bank of America and JPMorgan Chase. In Canada, you have Toronto Dominion, RBC, Scotia and BMO as some fo the major national banks. One of the main advantages of a mortgage broker is that is offers you a wide range of variety when compared to the bank, meaning that you have access to a wide range of services from multiple lenders, and you, as a client, only need to select the one that you want. This makes the overall experience a lot more convenient, something that we definitely want.

outdoor-patio-home

On top of that, as a borrower that contacts mortgage brokers you will save a lot of time because the broker will do whatever it takes to fin the best deal for you, according to your own parameters. Brokers also handle the paperwork and meetings with the lenders, so all you need to do is sign the papers and the money will be delivered to you as fast as possible. This surely makes the service very convenient and it’s specifically created to help busy lenders.

The banks on the other hand are the ones in control because they make the decision of lending the money. If a borrower is a longtime client of a bank then he might be able to receive some favorable terms when it come to contracting a loan. Getting the loan using the services of the broker means that you need to pay a fee, while contacting the bank directly will remove that fee. Remember that in the end the bank is the one that sets the interest rate, so the broker is basically a middleman that will help you find the best deal without worrying. However, this comes with a cost.

To sum up, you need to figure out how much time you have to speak with the lenders and take care of the paperwork. If you can do that on your own, then the services of a mortgage broker are not required, but if don’t have the time to do that, then the broker might be a good option. It’s a good idea to find out the fees first, so you won’t end up with unpleasant surprises.

manual-therapy

What Is Manual Physiotherapy?

Manual therapy is a practice that has become very popular in the last few years. Manual therapy is mainly an approach used by physical therapists to find out the causes of the injury and then treat the joint structures as well as the soft tissues, with the final purpose being of modulating pain, eliminating any tissue inflammations and so on.

Moreover, manual therapy is also useful if you want to facilitate movement, improve various body functions and induce a sense of relaxation, something that is needed in a stressful society such as ours.

Manual therapy is basically a way of performing therapeutic techniques without the use of technical equipment. Instead, people known as manual therapists use their own hands to treat injuries or joint problems for example.

A manual therapist is a person that has an advanced training as a physical therapist and which, of course, has obtained a certificate in this field of work. This means that a physical therapist has a lot of knowledge regarding clinical terms and conditions.

There are different types of manual therapy that can be performed. One of the most popular ones is mobilization and manipulation. This one includes different types of high velocity and small amplitude therapeutic movement, all of them combined with the main purpose of helping you move better and easier.

Then there’s the muscle energy technique that specifically uses the contraction of the patient muscles against a counterforce from a certain position towards a certain direction. This particular technique is suitable for engaging the joint restriction barrier without stressing it.

Moreover, there’s the strain-counterstrain technique which places the body in a position of comfort with the sole purpose relieving pain by reduction.

Another technique that is very popular is the soft tissue mobilization that breaks the restrictions between muscles and decreases hypertonus. The hypertonus is usually associated with muscle tightness, which can cause different problems.

The high velocity, low amplitude thrusting techniques is another one suitable for joints, this time it makes it easy to restore the gliding motion of your joints so you can close and open them efficiently. It’s a little more aggressive than the other one, but if it’s used properly it brings a decrease in the muscle tone as well as an increase in mobility.

However, manual physiotherapy can’t solve all problems, that’s why patients are always encouraged to use various types of treatments. Combining these with exercises for back pain and some aerobic can definitely improve the condition, as this is a great exercise for any patient.

In the end, the main goal of the manual physiotherapy is to help the body recover from stress or any other issue. By combining it with other activities you will have the opportunity of living a much better and healthier life.