When Cash is Scarce and a Short Term Loan is The Answer

Payday loans are granted on the promise that the amount will be returned when the borrower will receive his next pay. Usually, your monthly income is the only source of verification for the company to grant you the loan. However, every company has their own criteria.

Generally there are two types of pay day loans available in Edmonton. The first, considered an in-store loan, allows you to visit the physical location of the establishment and you will receive your payday advance in person. Usually, the process takes about 15 minutes and you will get your money right there. The second is considered an online advance.

You submit an application online providing your paycheck information, bank account information and references. Generally, the money from the advance is deposited into your personal account within one business day.

Features of Payday Loan

These loans are small amounts and you can easily get them. The procedure does not involve any lengthy investigations. You will have to show a proof of your monthly income which must be consistent. It will be easier to obtain the loan if the amount is relatively less. Once you have established a good relation with the company, you can ask for loans of higher amounts.

You can easily pay the loan when you receive your next payment. The deadline for such loans is typically short. Pay day loans in Edmonton are granted at high interest rates and that is why they can easily be obtained. You may have to pay $15 for every $100 that you borrow. Each province and each company has its own rules. There are certain restrictions about how much you can borrow, limitations of interest rates and what should be the due date for such loans.

How to get the loan?

You can get the loan by applying online. In most cases, you will have to fill out a simple form and that is all that is required. The criterion that is offered by many companies includes:

  • You must be 18 years old
  • You must have a job and you must be earning at least $1000 monthly
  • You should have a checking account.
  • Most of the times, you will get the loan amount in the next 24 hours.

You should be careful before you take the loan. Although payday loans are small amounts, but if you do not pay them on time, you will have to pay a huge amount of extra money which can be a lousy experience. Always read the legal policies of your province and your company before you apply for payday loans. In this era of technology, it is also important to take care of your private and financial documents. It is always best to schedule your budget according to your income, but if you cannot, then payday loans are always the best option.

Regulations and Laws Governing Cash Advances

In general, businesses that loan money until your next paycheck are regulated by local and federal laws. One of the government agencies that regulates the process is the Consumer Financial Protection Bureau. The CFPB is a federal government agency that closely monitors the activities of payday advance companies. They also have an excellent website with FAQs on frequently asked questions.

In addition, if you suspect that an establishment did not treat you fairly, took advantage of your situation or another complaint, you can file a formal complaint online which will be investigated. Additionally, many provinces have their own financial protection departments to make sure everyone is following the rules.

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Why Birth Trauma Support is Important

During my last trimester, I remember being scared spit-less. The only way for my soon to be born baby -to exit my body, was going to be vaginally or surgically. Either way, it was going to hurt. Birthing didn’t look like a walk in the park.  For more information and help on this subject, click here to read this article on Birth Trauma.

As a way to move past my fear, I read everything I could on birthing. I read up on Lamaze birthing, breast feeding, was cautious not to consume anything that might compromise a healthy pregnancy and labour. I continued doing yoga up until the birth. Regulating and practicing relaxation, breathing deep into my body, made sense to me.

Going into the hospital, I was scared. Being a life-giver, I would have to face my own mortality issues. I felt like I was going through an initiation into a level of sacred feminine experience reserved for the mature, not for the weak of heart. Many women and babies died in childbirth in previous centuries. My own mother had been drugged, woke up to a swaddled baby beside her, completely disconnected from the process and miracle of life. I wanted to be fully aware of my birthing, and I planned for the best experience possible.

Feeling my body adapt to my baby, there was an attunement that required a focus I didn’t know I could hold. Expanding my ligaments, my flesh, I opened into the pulse of life, the breath that consumed me. I could feel the bones of my baby- curled up like a chicken; push against my bones from the inside of my body. Just when I felt I could do no more- she was born.

I had adrenaline energy. Similar to an athlete, pushing through fatigue, finding another reserve of energy. I was both tired and invigorated, and I felt like I was in a low level of shock. Getting to hold my baby seemed unreal, surreal. She was just a little purple and waxy looking, she didn’t quite look real yet. The emotions, the natural high level of my hormones- I felt like I was in slow motion contrasted to the buzzing activity of the nurses going about their tasks. So this is what it feels like to be a mom.

 My birthing went pretty good. Yes, I ripped, had stitches, was in pain. It takes 6 weeks to heal. Yet, I had the need to talk about my birthing, because I had gone deep into my resources, past my fears, into the sacred body-mind consciousness deep within me. The joy and marvel of holding my baby soothed my body and soul.

My story was fairly easy to listen to, as it was straight forward. The birth went as intended. There were no emergencies, my recovery was great, my baby was healthy. We went home to a supported environment. So what happens for the women who have a hard time talking about their deeply personal and maybe difficult birthing experience? What about the women who didn’t come back from their fear? Many women do not get the family support, so they can recover.

In severe trauma, we fragment, and leave behind the scared, damaged, frightened pieces of ourselves. In trying to cope with our survival, and our ability to move on- we may sacrifice the potential integration, the deeper levels of honoring ourselves.

In sharing our process with other women, we have the opportunity to value, to honour our journey as well as theirs. In the listening and holding emotional and spiritual space for another, we make more room for our own. We can transcend the fear, and move into a new relationship, sense of self, and the deep connection and spiritual awareness of the feminine.

To see more about this topic visit our FaceBook post about Birth Trauma

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Follow These Tips When Hiring a Plumber

The difference with having to choose a good plumber and having to choose a joiner, builder or painter is that a plumber is more often than not called when there is an emergency. This means that you might not have too much time to look around.

Anyway, here are some good tips on how to find a good plumber for all circumstances.

Unfortunately, it does seem that in the plumbing trade there are more horror stories of people being ripped off than from the other trades. Of course, every trade will have its “cowboys”.

Plumbing also entails work that most DIY enthusiasts also don’t have much experience in. Where some will enjoy putting cabinets together, or painting and decorating, not many will feel happy soldering pipes or messing around with fixing sewage lines. Here are a few good plumbing tips to think about before you make that call.

So how can you be sure that you’re getting the right plumber?

Finding the Right Plumber

Plumber working on sink

Usually the best route is a personal recommendation. This way you can at least vet the plumber beforehand and get enough information to make an informed decision.

Of course, if your pipes have sprung a leak, or your toilet is spewing its contents up, you might not have much time to ask around for recommendations.

Do You Know Who to Call in an Emergency?

In a plumbing emergency the first port of call will probably be the internet or Yellow Pages. In the United Kingdom you can go to the Chartered Institute of Plumbing and Heating Engineering (IPHE). This is a charity whose goal is to “improving the science, practice and engineering principles of plumbing”. There you will be able to search for registered plumbers in your postcode area. These are plumbers who have been vetted and who meet certain criteria. The next step will be to start making some phone calls.

Before you agree to anything it’s important to find out the following:

  1. How long they have been in business and if they have premises you can visit. A well-established plumber is won’t disappear during the job)
  2. Get some references, and look online for a plumbing services review
  3. Have they done similar work before
  4. Do they have insurance to cover your property (and that of your neighbors)
  5. Do they guarantee their work. Is this insurance backed? That means that if they go out of business then you are still covered
  6. Is the plumber a member of a professional trade body? If you have time, then contact the trade body in question and to check out that they are currently registered.

Of course, if it’s an emergency then you might not be able to do all of the above. But it’s good to ask these questions anyway and you will get an idea of what kind of a plumber he is.

Questions to Ask Before You Hire a Plumber

Don’t fall into the trap of hiring the first plumber that you called. If it’s an emergency, describe in detail the problem and get a quote. Get quotes for three or four different plumbers so that you can compare prices. They questions that you need to find out from them are:

  1. What are their call-out charges?
  2. What are their hourly rates?
  3. When do they start their rates? (some charge you from the time that they leave their office)

How Much Will a Good Plumber Charge?

This all depends. There are no standard guidelines for how much a plumber can charge. So it’s always best to get a detailed written quote on the work to be done and the cost of this, including materials.

Never pay 100% up-front of the price. You can be expected to pay a deposit, this is completely normal. The plumber may have fixtures and fittings that he has to buy. Make sure that the amount is reasonable.

In conclusion, spend a little time looking around before you call that local plumber you just found. Whether it’s a personal reference or a company website you like, take a few minutes to follow our recommendations before committing to the service. Quality work will always be worth the little extra you pay to get the job done.

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Five Important Steps in Exterior Painting

Painting the house is one of the many things can be done to improve the look of your home. It even helps in elevating the market value of the place. If you are a little bit off budget, you can actually do the painting yourself. If you are looking for a Vancouver house painting company we have good lead for you at the bottom of this article.

DIY Exterior House Painting

Heritage Painting Logo SquareRepainting your home is very easy. You just have to follow the steps indicated here.

Just a safety reminder, when removing old paints (by scraping them or using a sand paper), be sure to wear a face mask. Old paints may contain lead particles that you could inhale. As we all know, lead is very toxic to the lungs and body.

Five Steps for Painting the Outside of your Home

Step 1: Gather your materials. You need to have paint brushes (note: the larger the size of the brush, the more area you could cover), step ladder, home bucket, sand paper (note: the rougher the paper, the thicker the surface it gets), cleaning brush, old news paper or drop cloths, masking tape, exterior house paint, wood filler or body filler, putty knife, wire brush, paint thinner (for enamel based paints only), paint remover, and spray gun (optional).

Step 2: Prepare your working area. You have to close the windows, cover areas that you do not want to be repainted, trim plants that may get in your way, cover plants or any fixtures that may come in contact with the paint (use the drop cloths or old news paper) and fix damaged parts. If there are holes, better cover them with a body filler (use the putty knife for applying) and then sand them up to achieve a smooth surface.

Step 3: Clean the exterior of your house. Here, you may use brooms, brushes or pressure washer. You may even use your garden hose to wash up debris, sands, dusts, muds or anything that may prevent you from attaining a smooth surface. Dry the area afterwards. For areas with peeling paints, remove them using a paint remover and scraper. Some house painters use sand paper and a pair of putty knife for this.

Step 4: Prime the surface. Primers are used for primary coating. They help improve the color of the pain, increase paint adherence, seals the wall to prevent bleeding and decreases the thickness of final coating (the thinner the final coast, the more money you could save). For masonry surfaces, primers are a must. For redwood and cedar surfaces, use oil-based primers and not water-based because the latter causes bleeding through the final coating.

Step 5. Apply the Final coat. The final coast is the paint that you wish to apply. You may use a brush or roller. Some painters make use of a spay gun but it may require some skills to operate such. When applying the final coat, start from the distal area going to your center. Make sure that you organize your stroke so that there would be no overlapping of paints or sagging. It is best to repaint the roof first before the walls to prevent dripping.

How To Prep For Painting – Home Selling Tips

These are the five steps to take when repainting the exterior of your house. If in case you are not that confident yet, you may hire a professional painter or house renovation team to do the work for you. This, of course, may require you to pull out some cash!

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Boiler Maintenance For Long Lived Systems

boiler serviceWith the current state of the economy, most of us can barely afford simple luxuries we were used to a while ago. Things have gotten so bad for some of us to a point where we are always looking for ways to save money on the things we already own and those we intend to buy. The things we take for granted are usually the ones that end up costing us more. Take your boiler unit for instance. This is an important item in your home that is responsible for keeping different parts of your home or office warm during those cold seasons.

If this device was to break down in the middle of winter, you’d not only be jeopardizing your health but that of everyone else living in your home. To avoid heating problems, you’d be better off carrying out regular maintenance to your unit. Here are some important tips to help you avoid boiler repair and save money.

Hire The Right People

With so many boiler engineers available, finding the right one for the job shouldn’t be too difficult. However, in order to ensure you get the best Vancouver boiler service, it would be best if you only hired experienced plumbers for the job. It matters a lot whether you are using a newer or older boiler model when searching for boiler maintenance experts. Some maintenance companies are only experienced in maintaining and repairing new models and won’t do you much good if you are using an older version. To be on the safer side, make sure your plumber is experienced in fixing your model before investing in their boiler services.

Do Regular Maintenance

If you’d like to save money on maintenance, then it would be ideal for you to learn as much as you can about the unit you own. Familiarizing yourself with your system will make it easy for you to perform regular maintenance tasks as well as troubleshooting it in case there is a problem. In most cases, your unit doesn’t require major repairs to get it back up and running. Once you understand the system, you will be able to keep it working properly for the longest period of time.

How Do You Benefit from Regular Maintenance of Your Boiler Unit?

One of the most noticeable benefits of performing regular maintenance to your unit is reduced utility bill costs. Without proper servicing, your unit eventually starts working harder in order to keep the components running. Soon, you’ll be paying more on utility bills since your system works twice as it is supposed to. Regular maintenance can help you avoid such problems.

Boiler Maintenance Tips

Repairing your unit is usually very expensive. Waiting until the system breaks down will not only leave you in a cold home but will also cost you more on repairs. It costs even more to purchase a new boiler since you are not only required to purchase the unit but also hire a professional to install it. Regular servicing will not only keep your unit running perfectly but will also help you avoid such expenses.

While most of the maintenance can be done easily by DIY enthusiasts, hiring a professional to carry out the task every now and then can save you a lot of trouble and time. There are plenty of companies to choose from and all you need to do is select one with a good reputation and one that has been around for some time. Try searching on line for plumbing companies and add the word “reviews” to your search phrase.

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How to Find A Plumber You Can Rely On

When you develop plumbing issues in your home, chances are that you become frustrated. This is because you do not know how to fix it usually. Although major plumbing problems usually require the help of professionals, simple problems can be fixed by you. The following article will give you easy plumbing tips.

Ensure that everyone in your household knows how to turn off the main water supply. Alternatively, knows how to contact someone who can. In the event of a burst pipe or other water-related emergency, you should immediately turn off the water to prevent flooding, structural damage, and a sky-high water bill.

Don’t Freak Out in an Emergency

Have a large bulletin board in the kitchenette or lounge, which you could write reminders for yourself of things you need to do or bills you need to pay. Emergency phone numbers, contacts, brochures, postcards and notes to yourself, look better arranged on a bulletin board and should not clutter your refrigerator or other appliances.

You can check your toilet for leaks by adding a few drops of food coloring, Kool Aid or some coffee grounds to the water in the toilet’s tank (not the water in the bowl). Check the water in the bowl after a half hour or so. If any of the coloring agent is visible in the water in the bowl, the tank is leaking, and you will have to have it repaired.

A Clear Drain Saves Hassles

If you have a clogged drain, don’t use cleaning chemicals to try to clear the clog. These harsh chemicals can corrode your metal pipes leading to leaks and broken pipes over time.

In the far north west corner of the country we have some very cold winter nights which can cause problems if your pipes are not protected. If you live in an older home and think your pipes might be at risk for freezing, allow your faucets to trickle slightly, especially if your pipes are located in a crawlspace. The running water prevents the pipes from freezing as quickly as they would otherwise. If you do end up with a leak or a burst pipe and want it fixed permanently, click here for a dependable plumber

Prevent Freezing Problems

Frozen pipes from harsh winter weather is a problem that no-one wants, so plan now to winterize your exterior faucets and pipes against freezing conditions. A simple way to accomplish this is to find the exterior water shut-off valve located inside your home (often located in the basement). Turn off the water valve to stop water flow, and then open up the outside faucets to drain out any water that has collected. Be sure to turn off the outside water faucets tightly after the water has drained out. Take in any hoses you may have outside so they don’t crack from the cold weather.

Avoid using hard cleaners on your toilets, such as drop-in cleaner tabs in the tank. When these tabs are almost completely dissolved, what’s left of the tab gets washed into the bowl. This can then end up clogging the toilet’s port holes, preventing the toilet from flushing properly. It can take months for this debris to finish dissolving in those holes.

Keep the Drains Clean

If you ever get clogged bathtub or shower drain, you could feed it baking soda, one cup’s worth, with a cup of vinegar to chase it. Plug the opening or cover it with a cloth while the chemical reaction takes place. After letting it sit for a few moments, clear the pipes out with a gallon of boiling water. This should help clear your pipes of accumulated soap and hair scum. If the clog was something worse then you could try using a plumbers snake.

Plumbing Tips for Drains

Clean your dryer’s lint trap. This can prevent various problems, including a fire. Inspect your lint trap every so often for tears or holes that could cause lint to go into your pipes, this could cause clogs or other problems you will have to deal with.

Don’t do Patch Work

Have you tried patching your pipe with the store-bought patching kits only to have that section of your plumbing continue leaking? Replacing the damaged pipe is a more permanent solution than patching. First, you must shut off the main water valve, and drain the water from the damaged section. Cut out the damaged section of the copper pipe, leaving about an inch of extra pipe on both sides of the damaged area. Remove corrosion from inside the pipes with a wire brush. Apply flux to the replacement pipe and the remaining pipe. Slide the piece of replacement pipe into place with couplings. Apply solder all around the joint, and use a propane torch to solder the replacement section into place.

Tricks for the Toilet

If you have a crack in your toilet tank, you can sometimes fix this with an epoxy resin. However, it is very difficult to keep up with this type of maintenance, and the best bet may be contacting the supplier and ordering a new tank to be installed in your bathroom. Nevertheless, keeping some epoxy resin on hand for emergencies is a good idea.

Believe it or not, it is not a very good idea to use a plunger if your toilet is clogged. Plungers just push whatever is stuck deeper into the drain. Instead, it is a better idea to use a closet auger. It will do a better job and is affordable.

As was stated above, it is normal to become frustrated by plumbing problems your home may have. But, these problems can usually be easily fixed, if you know how. Use the tips that this article has provided to you in order to get started in plumbing repairs as soon possible! If not we have listed a good plumber in Vancouver who guarantees their work and don’t charge an arm and a leg for it.

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