Top Getaways For 2012

Posted by GuyFriday on August 20th, 2014 under Holidays, Money Tags: , , ,  •  No Comments

If you are fortunate enough to be able to afford to go on a holiday, then good for you. The question is where to go, and when to leave. Contact a corporate travel service to help decide where to go.  Holiday destinations often times have a peak season, so you want to be sure you check into that as well.


If you are completely flustered and have no idea what you want to do or where to go then you might consider checking out websites that specialize in Maldives holidays travel advice. This is a great way to get all of your questions answered and find out which destinations are the best of the best.

Narrowing It Down

If you are much undecided, then you might consider taking the top five places you want to go and asking your family. Everyone needs to decide if it is going to be a sunny vacation with the beach, or perhaps a vacation involving mountains and snow and some Alaskan fly out fishing. One way to decide is by doing a vote. Then you will have your answer.

Always be sure you make sure reservations ahead of time, if you need a rental car you get one, and make sure your flight itinerary matches all of the hotel reservation dates.

Re-evaluating Your Richmond Mortgage

Posted by GuyFriday on August 20th, 2014 under Real Estate, Richmond Business Tags: , ,  •  No Comments






Should you or your financial consultant reevaluate the mortgage on your Richmond home?  You should first get quotes from a number of conveyancing companies. Well, if there is even the slightest chance that you may have been sold PPI, the answer to that is a resounding yes.  In fact, if in the last half-dozen years you have opened a credit card, taken out a loan or secured a mortgage the chances are quite good that you were sold some type of personal protection insurance. And, if you were, you need to act now before becoming one of the many unaware borrowers that fell victim to scams concerning PPI claims.


How on Earth Did This Happen?


Strangely, even if you were not entitled to it, did not ask for it, did not even need it… you may well have been sold one of these insurance policies unaware of the circumstances – and possibly even unaware of the fact that you had been sold a policy in the first place.  Millions in fact fell victim to this scam.  The good news is however, since banks are now being forced to compensate the payments that some of these unfortunate individuals may have made over time.


Billions of dollars could be at stake here. Imagine the money that these banks have raked in, from 10 years of selling what likely would have turned out to be bogus insurance policies.  The further good news is that there are lawyers and online organizations that will go to bat for you, if you were a victim in one of these scams.  Of course this kind of assistance doesn’t come for free, but you are at least taking a stand and retrieving more money than you would have, had you ignored the entire situation or worse yet, not even been aware of it.


Why Let Someone Else Fight Your Battle?


Do you really need the stress, frustration and hassles involved in filing and following through with the claim for compensation of monies paid out for PPI?  You’ve already been taken advantage of enough, don’t you think?  With all the claims being filed there are backups of unimaginable lengths of time and sometimes going through one of these agencies can help speed up the process.  Not always, but sometimes.  These people also know the in’s and outs, ups and downs and everything else involved with the court systems and the lending establishments that must have, until recently, thought they were really getting away with something.  The way it usually works is that whichever company pursues your PPI claim for you, they will end up with a certain agreed-upon percentage of your compensation (which may be determined by a court of law).


In case you didn’t learn your lesson the first time, buyer beware!  Make sure that there are no hidden fees or charges that will be assigned other than the agreed-upon percentage that these services and/or legal representatives agreed to work for.

Is Overheating More of an Issue During Hot Weather?

Posted by GuyFriday on August 19th, 2014 under Money Tags: , ,  •  No Comments

Chances are your vehicle is equipped with a cooling system that employs a radiator situated in the front of the vehicle assisted by a cooling fan; and is the heart of the engine cooling system. Many things come into play involving the cooling system. The system is carefully balanced to adjust the flow of coolant from the radiator to the engine and through the heater core. Any leak, worn or cracked and bulging hoses or worn belts, or other damage that may leak coolant is a potential danger. A periodic radiator coolant flush will help prevent overheating problems in the future.

Cold and Hot

When the outside temperatures start to rise, the ambient heat around the engine causes it to warm up. After all, it’s a hunk of metal in a box generating heat itself, so when it’s hotter outside, the engine gets hotter. The opposite is true in cold weather. If the temperature outside is very cold, the radiator cannot warm up enough to; let’s say, run the heater and that’s kind of important when it’s chilly. The vehicle may not even start if the temperature of the radiator and outside is too cold. People who live in extremely cold climates often have a heater for their radiator that they plug in at night so they’re car will start in the morning!

Being Prepared

During the hot weather, it’s always a good idea to carry a couple of gallons of your favorite anti-freeze with you; especially on long trips. Of course you should also carry extra oil and hoses on long trips during the hot weather along with your other vehicle emergency equipment. You should also have a pack of emergency food. If it’s hot outside, keep your vehicle air conditioner at a moderate level to lessen engine strain.

A Dream House Can Come True In Richmond

Posted by GuyFriday on August 19th, 2014 under Money, Real Estate Tags: , ,  •  No Comments





Is it possible to make your dream home come true?  That is the question you need to pose to the builder of your home.  A simple yes however, does not mean that they can actually do it.  Research your builders, before signing on the dotted line, in Richmond or anywhere else.


Who Dreams of a Dream House?


Both men and women alike, usually have some type of vision of their dream home.  They know exactly how they want the layout of their kitchen to look, where the living room should begin and end, how many bedrooms, whether or not a fireplace (or maybe even more than one fireplace) is called for and how large the back deck should be. The thing is that, at least for the most part, your average Joe just doesn’t know all that much, about the true building process of a dream home, including the deck screws needed for that new deck.

The concept of codes and building permits, the requirements that are standard in their part of town are as much of a mystery, as the best Agatha Christie whodunit.  And, if there is a budget involved, who’s got the kind of time and know-how to balance the books and juggle the money, to make everything work within that budget?  Not me!  Not you!  Does that mean that your dream house is out of reach?  Absolutely not.


Dream Builders For Your Dream Home


It is going to take a little bit of research to find the perfect company to help you plan your dream home. Check online for reviews from people who have used builders, in the past.  The company should realize that even before the basement is dug and the foundation is laid, that endless hours of work have already been put in by tireless designers and planners.  The beginning of the intense manual labor means construction, electrical work, plumbing and more by highly sophisticated and talented builders.

The materials used should be of the highest quality, such as GU10 LED bulbs, and expert supervision should be overseeing the proper level of craftsmanship required to make your dream home come true.  Your building company needs just the right expertise to assist you in the planning stages, execution of construction and supervision, and all the while keeping you not only involved in the process, but coming in underwear or within budget.


A stellar home builder does not have to be a large corporation.  Smaller companies sometimes take more of the time necessary to not only build your house, but spend time with you in the creation of your warm and inviting home, where your family can feel secure and safe.  It might be a $2 million mansion or a single-family, cozy little $100,000 house.  Whichever you choose, or anything in between, the same care and effort should go into it as with every other home that your chosen company builds.



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Affording Five Star Quality Services

Posted by GuyFriday on August 16th, 2014 under Cost Cutting, Money Tags: , ,  •  No Comments






Finding different ways to get cash now may be the easiest ways of affording last-minute five-star quality services.  When possible, it’s always best to plan as far ahead as possible, in order to avoid undue stress or anxiety, when it comes to affording all of the necessary amenities.  Making a list is a great way to prioritize and calculate your budget, in order to figure out what’s really affordable.  Checking with different establishments and asking about discounts or specials is an effective way to make sure you’re getting the best price possible, for your specific situation. You could also cash out your structured settlement to be able to afford the five star services.


Finding The Best Service


Using the internet, magazines and local listing to read different reviews is another great way to source out what the best services are in the immediate area.  It’s important to make sure you are reviewing all the available options, before making any final decisions about which five-star quality services best meet your particular needs.   Taking the time to prepare and calculate your budget, as early as possible is the best way to make sure you can afford the high-end services.   Being able to successfully identify and afford five- star quality services is important for anyone that is interested, in getting the deals available.


Using The Available Resource


Pooling resources with friends, families or coworkers is typically an effective way, for people to afford the high quality services they desire.   Excellent customer service is always one of the hallmarks of an establishment with five-star quality services.  Checking out social networking websites is another great way to find establishment, with five star quality services that are up to your standards.  It’s important that employees consistently greet guests, with a friendly disposition and go beyond the call of duty, to ensure a pleasant customer experience.


It’s also important to take mental note of great service, because it can be quite the rarity, depending on where you’re currently located.  Investing in five-star quality services can be a great way to reinvest in and pamper yourself, after being overworked or worn out.  It always pays to do the research to help ensure your money’s worth.


Anti-Aging in Richmond

Posted by GuyFriday on August 13th, 2014 under News Tags:  •  No Comments

Even though the city of Richmond is proudly one of the oldest cities in the United States (being founded in 1737), that doesn’t mean that the residents of Richmond cannot look young themselves. Richmond has long been home to some of the most innovative, successful citizens of the country – Patrick Henry’s Give Me Liberty or Give Me Death speech in 1775 inspired the state of Virginia to fight for its freedom, and Thomas Jefferson’s passage for Virginia Statute for Religious Freedom was written in Richmond. Today, the city is home to many Fortune 500 companies, large corporations, museums, performing companies– and it is also the set location of many films and TV shows. With all the talent and intelligence found in Richmond, one might wonder what these innovative citizens do to keep their appearances looking young.

How the City’s Most-Attractive Keep Looking So Young

Richmond’s most successful and attractive citizens don’t waste any time or money when it comes to looking young. It may be a secret to many; but if you want results that are fast and long-lasting, a dermal filler is the way to go. Juvederm is a non-surgical cosmetic procedure that fills in wrinkles and lines with a smooth gel filling that lasts up to a year. The procedure is FDA approved and only takes about fifteen minutes. Results are instant, and recovery time is minimal to none. This amazing new procedure is the latest in skin care.

Anti-Wrinkle Tips

There are a lot of beauty secrets used by the citizens of Richmond. Most people realize how important sleep is for the skin – as well as eating right and staying hydrated. By decreasing the amount of bad habits – such as smoking and drinking alcohol – the skin will also age more gracefully. Protection from the sun minimizes damage from UV rays and decreases the amount of wrinkles being formed, and applying lotions directly to the skin that contain anti-aging ingredients (such as retinol) also help keep the skin looking youthful and healthy. You could also use Detox Max to get rid of all the toxins in the body. These maintenance routines should always be followed, but at least once a year a fifteen-minute session for Juvederm allows fantastic results to keep you looking young in Richmond… or wherever your journey may take you.

Create A Relaxing Garden Room In Richmond

Posted by GuyFriday on August 12th, 2014 under News Tags: , ,  •  No Comments

649453_frederik_meijer_gardens_7Richmond is an area absolutely loaded with historic value.  But once you’ve seen Battlefield Park, the Edgar Allen Poe Museum, and the old stone house on East Main, it’s nice to have somewhere to call home, without the crowds and only as much culture as you can reasonably , in the relaxing, peaceful garden room of your Richmond home. Find a Katy real estate agent to sell your home so you can afford the move to the Richmond area.  And though the coldest winter months are exceedingly chilly, you can be warm, safe and snugly in your beautiful all season taste of the outdoors.

Make sure you’ve got a nice cross breeze flowing however, so that you can open those windows and appreciate the beautiful summers, when they finally arrive – and just think how much your plants will appreciate the real, fresh outdoor air.


How About A Spot Of Tea In Your Garden Room?

Frequently, garden rooms are the ideal place for an afternoon tea, but since it’s your garden room the beverage can be left entirely up to you.  If you do any actual gardening in your garden room – even better.  Gardening is good for you in endless ways.  Take a look at this:

  • Got children or grandchildren?  Your peaceful garden room will be the perfect place to teach them all about the ins and outs of gardening and have a quiet, tranquil room in which to do it uninterrupted.
  • Whenever everyday life ends up being just a little bit too much your garden room will be the perfect respite from all of the hustle and bustle of your workaday life.  This promotes self health by allowing you to de-stress in an environment that you have created to suit your own needs and likes.
  • Be sure to put some type of flowering bulb or other plant or perennial flower in your garden that will come back every year.  This gives you something to look forward to and it may well end up being the favorite piece in your personalized garden room.


Furnishing Your Garden Room

Bringing the outdoors indoors and vice a versa – that can be what a garden room is all about.  Gone are the days where living rooms and kitchens, and even home entertainment areas, are strictly meant for indoor use.  Because of the outdoor environment in your garden room you may choose to go with a durable but handsome type of furniture, such as bamboo or some other choice durable, yet luxurious indoor/outdoor furnishings.  If you choose to bring the indoors outside however, you may want to seriously consider installing a fire pit, for the cooler nights and a cozier if not romantic setting.

So, which ever you decide to do – take the outdoors in or the indoors out – make sure that you dress it up with durable, but luxurious furniture arrangements that encourage your peaceful, full state of Zen while you relax in this perfect, natural setting.


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Choosing Quality vs. Quantity When It Comes To Insurance

Posted by GuyFriday on August 10th, 2014 under Money, Richmond Business Tags: , ,  •  No Comments

Today’s society is obsessed with the idea of “more”.  It can feel like nothing is ever enough and that more is always necessary.  And while this bulk is a good thing, it can also be to your detriment.  Sometimes it is better to look for quality instead of quantity.  And this is definitely true of your insurance policy at


What Is Covered?


One of the biggest mistakes many people make in terms of insurance is trying to get everything covered.  While it may be smart to get everything covered, you might also not use some of the coverage.  Instead, you would be better served to get more coverage for specific items or during certain seasons.  When you do this, you allocate your premium costs better.  And you will most likely be better served in the event of an accident.


Customer Service


Customer service is one area where quality matters in terms of insurance.  Many people fail to realize the importance of customer service.  However, proper customer service will help you a lot more than a 1-800 number.  Before you hand over your money, make sure that the insurance company you work with is going to serve you properly.  If you need cash in a pinch to help pay for your insurance, get a cash advance from loan lenders. You will need help if you get in an accident.  And you might also need help if you are looking for a new car.  Insurance plays a role in many aspects of your life.  This is why good customer service is so vital.




Finally, when you are looking at health insurance options, make sure to evaluate the doctors you can see.  Many health insurance providers will tell you that you have 100s of doctors to select from.  However, if this is not the doctor you prefer, then you might be better served with another option.  Quality insurance will help you afford the right doctors.  And they will also cover your prescriptions.


Take time to determine which insurance is right for you.  You might be able to bundle all of your insurance types together and save.  However, you shouldn’t have to sacrifice the quality you are looking for with your coverage.  Be patient and good luck.

Find A Remodeller Who Will Help You Install Your Bidet

Posted by GuyFriday on August 6th, 2014 under Real Estate Tags: ,  •  No Comments

Finding a remodeler who will help install your bidet can be somewhat overwhelming for the average consumer. There are many different options when considering adding the bidet to your household. Understanding the bidet will help you avoid from overpaying for the installation or for the device. The more you know about the bidet, the easier the choice will be for you to make. Being informed about the bidet will allow you to have a discussion with contractors about the bidet opposed to being lead blindly and hoping for the best.

The Bidet

The bidet is a very popular tool for the bathroom that has had many recent innovations. It is important to understanding the different types of bidets that are available so you a make a wise decision and have some direction before calling the contractor. There are standalone bidets that are typically located next to the toilet. Take a look into your bathroom and decide if a standalone bidet is a practical choice with the available space.

Quality, qualified contractor directory:

Bidet Options

There are also toilets that have bidet functions if you are interested in replacing your traditional toilet apparatus. The most affordable options are attachable bidet toilet seats. These are seats that very cheap compared to the previous options. The attachable is so simple that many homeowners can accomplish this installation on their own without the assistance of a contractor.

SEE ALSO: Installing a Micropump

If you do not want to feel like you have got in over your head by hiring a contractor; be sure to do the research on the top bidet toilet seats options before calling someone to your home. There are expensive options as well as some very affordable choices for homeowners as well. Take the time to decide what you really want in your new bidet before you call the contractor.

The Smart Way to Hire Movers

Posted by GuyFriday on August 4th, 2014 under Money Tags: , ,  •  No Comments

Whether you’re moving 5 minutes away or on the other side of the world, hiring the right mover for your needs (and cargo) is critical.  Instead of going with the first mover that pops up on Google or opting for the cheapest one you can find, here are some easy steps to help you find the best mover available.


Search far and wide and call the BBB


When beginning your search for a mover, look at movers both nationally and locally.  Typically, most moving companies will be able to serve you.  You might have to call a specialized company if you have machinery that needs relocation. Call at least a dozen and feel them out over the phone.  Next, call the Better Business Bureau and ask if there any complaints against the companies you have in mind.  Also, ask for three references for each company so that you can call them to inquire about the company’s professionalism, reliability and excellent customer service.


Ask about rates and packing options


After finding a few moving companies dc that you feel will meet your needs, call each company and ask about their rates and specific packing options.  Be aware from the get-go that several conditions can cause your moving rates to go up while the move is in process, such as moves exceeding a certain mileage or your goods exceeding a certain weight (when being loaded in a semi or airplane).  Make sure to ask as well what happens if goods are damaged, and under what conditions will they be responsible (and for how much).


Finding a mover that is reliable and get to all of your things to their end destination at a fair price is one of the most important things everyone tries to secure when moving.  By searching carefully, calling references and asking about rates, you can be sure you’ll find a mover you’ll be happy with.