Hope for your financial life and beyond

Home Maintenance Items Landlords Should Do Between Tenants

As a landlord, I would love to keep tenants in my properties forever. While some stay a long time, most eventually leave to seek housing elsewhere. This is either by personal choice or through an eviction. Whenever that time comes, it’s the landlord’s responsibility to conduct some home maintenance and get the unit ready for the new tenant.

home maintenanceTurning a rental house around for the new tenants can be a time consuming and financially draining time. Hopefully, as a conscientious and aware landlord, you’ve kept track of what is going on at the property and have a good idea of what to expect in terms of potential home maintenance. There really shouldn’t be any surprises, but it seems like there always is.

Because even minor renovations will cost money and require time to complete, some landlords choose to skimp on or refuse to complete repairs. I disagree with this philosophy. As much as possible, I want the property to be in really good condition for the new tenants so that our relationship begins on the right foot.

Tenants need to know that you are a landlord that prides themselves in the condition of the unit and wants to treat them well. Hopefully your attention to detail and professionalism will bleed into the tenant’s mind and they will in turn do their best to keep the property as clean and damage free as can be expected.

Home Maintenance to Conduct Between Tenants

Some repairs and home maintenance will obviously be required before the new tenant moves in. While all facets of the house need inspection, these five areas are a must for any landlord to address:

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7 Tips on How to Handle a Teenager’s Car Accident

Calls in the middle of the night are never good. Neither is the one when you say “Hello” and your teenager is crying on the other end. Your heart immediately drops because you are scared and know they are hurting. That was my experience anyway when I got a call from my daughter after her first car accident.

car accidentShe had just left basketball practice and was traveling at the legal speed on a country road. As she came up over a small hill and cars were stacked up four deep waiting for someone to turn left. She wasn’t on her phone but admittedly was a little tired from practice. By the time she realized what was happening in front of her, it was too late to brake in time. The truck she was driving rear-ended the last car in the line. The driver of that car had her foot slip off the brake and hit the accelerator, propelling her down into the ditch. On the way, she clipped the car in front of her.

As rear-end car accidents go it wasn’t pretty. My daughter’s airbag in the truck deployed. The car she hit obviously had damage in the back end but also in the front, as it hit a telephone pole when it went to the ditch. The third car had minor bumper damage. In the end, our used truck – that we had owned for less than a month – was totaled.

Thankfully, everyone was OK. No hospital visits were needed. And the people involved were pretty nice about it. I think they could see how upset this 16-year old girl was having caused her first accident.

I hope I never have to take that call again from any of my other kids. Odds are though I will. But as the oldest child often does, she broke new ground and helped us figure out how to deal with a teenager’s car accident. So here are 7 things I learned from the incident.

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Should I Cosign? Here Is the Truth About What God Says

“Do not be one of those who shakes hands in a pledge, one of those who is surety [ cosign ] for debts.” – Proverbs 22:26

If you’ve ever had a situation where a friend or family member asked you to cosign a loan, you know it’s a tough spot to be in. On the one hand, you want to help. But the idea of being responsible for someone’s debt has you a little squeamish.

cosignSay “No” to them and it seems like you don’t care.

Say “Yes” to them and you are opening yourself up to financial risk.

Maybe as you thought about what to do, you should have considered asking this question: “What does God have to say about it? Would He want me to cosign for this loan?” It may never have occurred to you to seek advice from a higher power.

The truth is God talks a lot about money in the Bible. He even has advice about cosigning which really surprised me when I found it. For anyone really, the real world application is sound. But especially for people of faith, His advice is worth listening to.

God’s Advice on Whether to Cosign

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A Reason to Look at a Career in Occupational Therapy

We have written many times about careers – how to find one and how to change one. One of the key aspects of finding a career that fits your life is to focus on what you enjoy doing. And, perhaps more importantly, how does the career fit your unique personality.

A desire to help other people is a characteristic of some personality types. The cool thing about this is that this characteristic can translate into your working life. A career that allows you to help people and make a great living can be very attractive to those with this trait.

Many people opt for careers that make them incredibly dissatisfied and unfulfilled. That is the last thing you want to do. Your career defines so much about you and takes up a great amount of your time. Why would you want a career that did not bring satisfaction and fulfillment?

Of course, one field that fits perfectly with those who like to help others is healthcare. Within this field, you may first only think about doctors or nurses. But beyond these traditional jobs, there are many career paths to choose from which are incredibly enriching. Not only that, but they can be very prosperous over the long term.

One such career you may not think of right away is one as an occupational therapist. Let’s explore that career a bit here today. 

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Solar Energy: Is It a Worthwhile Investment?

The history and development of solar energy is quite fascinating. It has been a viable option for electricity for some time. But for the consumer marketplace, it started to became affordable around 2005. 

In relationship to the cost effectiveness of solar energy for consumer, a growing awareness of environmental concerns has developed in recent years. Solar systems and the green energy movement have coincided with one another. Those considering “going green” often look to solar energy as a first step in those efforts.

Additionally, solar panels can have economic benefits to the consumer. Of course, people are looking to them to save money in their monthly budget. But others are also considering the investment side of solar energy. One, as an investment in their current home. And two, as an investment in which they can diversify their cash and make money in the long run. 

So is solar energy right for you as a cost savings measure or as an investment? Here are some beginning things to consider.

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6 Key Areas Small Businesses Can Save Money Today 

Small businesses, more than any other type of business, have been hit especially hard over the last year. In fact, the effects of Covid-19 have wiped some small business owners out. They have been forced to close their doors as a result in the disruption of their business.

zoom meetingSmall businesses often operate on small budgets. In contrast, big brands like the Walmarts and Apples of the world have more ability to throw money at whatever project or marketing campaign they feel like. Consequently, small businesses more so than big businesses must remain diligent and work within their budgets. If they don’t, it can result in financial disaster.

Financial problems are difficult to avoid any time but even more so in difficult economic environments. Quite simply, saving money is more important now than ever before for small businesses.

So what is a small business to do? What areas can they focus on to try and cut costs? What will help them stay within the confines of their budget, whether operating in good times or bad?

Here are six key areas where your small business can start saving money immediately.

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The 10 Best Summer Jobs for Teens and College Students

Memorial Day marks the official beginning of summer. For teens and college students that means one of three things. Either you are:

a) continuing school by choice (to get ahead) or out of necessity (because you failed)… summer jobs for teens

b) looking for a summer job to earn money or…

c) in for a really boring summer sleeping in and playing video games.

We all know that teens and college students love money. But we also know that some of them NEED money in a bad way. They have lots of expenses, from gas for the car, to eating out with friends, to paying for college tuition and expenses. Many times, parents are unable to fully fund (or refuse to fund) these expense categories. So teens and college students are left to support themselves. And the time to rack up the big money in a paycheck is over the summer when they are out of school.

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How to Choose a Company for an Excellent Moving Experience

My wife and I have moved five times in our adult, post-college life. Each one occurred at a different stage of our marriage and presented its own challenges. In the end, all the moves worked out well and we were glad we made the move.

Moving can be a hassle. Why? The answer is obvious – you are relocating all your earthly possessions. When you have a lot of things, the process becomes really hectic, sometimes overwhelming. And the last thing you want to have happen is to have a bad experience or for there to be damage to your stuff.

With that in mind, using a moving company may be the best alternative to make sure that your items will be safe. Additionally, it reduces the work load on yourself. It is hard work to move your own items, even if you have help from family and friends. 

However, there are many moving firms and choosing the best one can be a challenge. That is one reason many people just choose to do the move themselves. 

With moving companies, the charges will vary, so cost may be an issue. When signing the agreement, you will need to discuss your expectations with the company and let them know what you are looking for. To that end, the following points will assist you in choosing an appropriate moving company

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8 Bible Verses About God’s Love You Should Never Forget

Ever wonder where our capacity to love actually comes from? It’s pretty clear that our ability to love is something that was given to us by God. In fact, the Bible verses about God’s love that I read tell me He is Himself the essence of love and has passed that on to us.

verses about God's loveGranted it’s not always easy loving others. We are difficult people to get along with. Even people we care about sometimes do not get the love they deserve from us.

Not only is loving others hard, we often choose to love for all the wrong reasons. Often times we choose to love others based on how they act towards us. Or we choose to love based on what we can get from someone else. Fortunately for us, that’s not how it is with God.

God’s love towards us is unconditional. That means He loves us no matter what. We can’t do anything to reject, or bypass or disown His love. He can’t help it – love is part of His nature.

He loves us – all of us – equally and without hesitation no matter who you are or what you have done. Let that sink in for a moment.

If you doubt thid, just look at these verses about God’s love found in the Bible.

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7 Ways You Can Monetize Your Instagram Business

Please enjoy this guest post today from Mary Kyle on growing your Instagram business. 

Are you spending more hours on Instagram every day? Have you ever thought about making it more than just a hobby? Perhaps now is the time then to make your time count and turn your effort into dollars.  If you are interested in starting a business on the platform, then this article is for you. 

Instagram is one of the most famous social media networks around. Users can post video content and photos to their followers and friends. With over 500 million monthly active users, Instagram also has become a favorite market spot to sell and promote products. It’s a great platform to make money in multiple ways. 

But how do you get started? More importantly, how do you go about growing your account? Here are some ideas to think about and concepts to follow when starting your business on Instagram. 

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4 Easy Ways to Get Your Finances Back on Track

The COVID-19 pandemic has left many in a financial ruin (or at least in less-than-ideal financial circumstances). People are reeling from what the shutdown and quarantines did to the economy and to their personal wealth. It’s important, maybe now more than ever, to make sure your finances are on track to meet your future goals. 

It’s is a good thing that businesses and travel have started to open back up. People are staring to get their lives back. Life is beginning to return to pre-Covid19 normal as vaccines are rolling out. With all this taking place, it brings additional incentive to look at your finances and see if you need to make adjustments to stay on track toward your goals. There is no better time than now to get started. 

There are many factors to consider with this. That’s why so many cannot and do not manage their finances well.  It simply can be a daunting task to know where to start and how to plan things out well.

It’s not overstating it to say that for many, finances can be one of the greatest causes of stress and anxiety. However, there are some simple tasks that can help get you started. Here are just a few easy ways for you to make sure your finances are on the path to success. 

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