We are often in a dilemma when it comes to hiring a handyman or a contractor for our household or office work. Both have their own positive sides to look at. However, today, many prefer a handyman over a contractor.
Following are some of the benefits to hire a Handyman –
It is often found that Handymen charges daily or hourly basis. Hence, many times they are cheaper than a contractor.
The size of the project does not really matter to a handyman but a contractor does consider the size of the project being offered. On the contrary, handymen are always willing to undertake even the smallest project or tasks which a contractor, might not take up.
Most of the times, Handymen have all the required tools for the project. So hiring a handyman means we do not have to worry about arranging for the right tools for the particular work.
A handyman does variety of work. So we can get one man to do multiple tasks.
When we hire a handyman, we can save money on different types of home improvement projects. It is so because, hiring a handyman means multiple suppliers and contractors are no longer required.
All we want is stress-free completion of any project. Handyman provides a competent service and we can stay relaxed about the accurate completion of the project.
When it comes to small tasks, Handymen are very well-versed. This is so as they don’t differentiate between tasks and as a result, they gain lot of experience in a variety of jobs – be it small or big. Since they are exposed to many different minor challenges while working on different tasks, they also learn to handle such challenging situations in the process.
Hiring a Handyman means we are also eliminating the overhead costs. These men do almost all task all by themselves and hence, they do not need to pay to extra employees. This in turn enables them to give us discounts too!
In case of house renting, both the parties the Landlord and the Tenant are always in question that who is responsible for what work. That is why, a well done rental agreement with the help of a property agent is very important so that there can be proper understanding of each one’s contractual obligation to maintain the property.
The following are some of the Tenant’s Maintenance Responsibilities –
Tenants in general are expected to keep the property clean and avoid any damages to the property deliberately.
As per contract, the Tenants might need to replace batteries of smoke detectors and fire alarms in order to make sure they are working properly.
Disposing the trash is a very important daily work of the Tenants.
When it comes to Pest control, it is tenant’s responsibility to properly maintain the sanitation of the house so that there are no insecticides or infestation. If the tenant does not keep a clean home, the landlord may deduct some amount from the tenant’s security deposit as per the lease.
Waste management is a very important matter for good hygiene. It definitely falls under tenant’s responsibility to properly dispose of any garbage which otherwise could contribute to pest infestations and diseases.
When it comes to plumbing or air conditioning, it is Tenant’s responsibility to use these fixtures properly. He should keep the pipes clear and replace the air filters too. He should report any issues to the landlord quickly to prevent further damages without any delay so that the landlord can take care of the issue accordingly.
At the time of the signing of contract, if Landscaping maintenance is already mentioned as a clause, then the tenant has to take care of it accordingly as otherwise, he can be fined for violating the contract.
Tenant should return the property in the same condition as it was at the time of the lease term. If there are any damages then the tenant needs to fix it before the handover or the landlord has the right to deduct the expenses from the tenant’s security deposit.
The following are some of the Landlord’s Maintenance Responsibilities –
When it comes to plumbing or air conditioning, it is the landlord’s responsibility to keep these systems in working condition and fixing any kind of problems with regards to these.
It is owner’s responsibility to do the pest control if there is an infestation.
The common areas like the elevators and other common-use areas also fall under landlord’s responsibility to keep them properly safe and clean.
It is the landlord’s responsibility to keep the premises of the house in a reasonable state and in compliance with the safety laws.
All the mentioned appliances, in the contract should be kept in working order by the landlord.
The landlord is responsible for most of the repairs of the home like the interior and exterior of the house, doors and windows, stairs, roof, electrical wiring, chimneys, pipes and drains, gas appliances etc
Intervention of the Property Agents –
Throughout the period of the tenancy, either parties of the contract, i.e. the landlord and tenant might face some issues that are difficult to resolve alone all by themselves. In such cases, both the parties look for a third party to mediate and resolve the problem. Here comes in the role of one of the property agents who handled the rental transaction. In many cases the respective agent steps into the matter and tries to bring a solution to the problem.
However, it is true that it is not a mandatory responsibility of the Agent to resolve such issues but some agents does step in to help and solve landlord-tenant problems simply out of goodwill. Again in some cases, the parties formally engage their agent to manage their property.
Property Agents are professionals with adequate knowledge in their field and hence can easily resolve difficult issues. Hence it is always better to bring in our Agents so that the solution can be surfaced at ease.
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Every household has some home repairs or replacement works. We all know proper maintenance keeps things running and the same goes for our home. At our house we do need some or the other maintenance work that requires some specialized men. These men are broadly called as handyman. They are also known as a handyperson or handy worker. Thus Handymen work for homeowners and businesses, either as independent contractors or as members of maintenance crews. Handyman is a technician with multiple skills and a wide range of knowledge. He is a skilled person who can do a wide range of repairs or maintenance work from minor to major, from unskilled to highly skilled. He has competence in a variety of small skills too and does odd jobs both interior and exterior of our house. He does all “fix-up tasks” of our home i.e. all kinds of domestic repairs and renovations.
Some of the Varieties or Range of Handyman services include –
Carpenter – We always have so many minor to major carpentry work at home like repair wood & glass works, hanging racks, building a new sofa, fitting entryways, mounting television or wall paintings, assembling furniture etc. All these are not quite easy to do all by ourselves and even if we try mostly we are unable to pull it throughout. Hence, for all such carpentry work the best is to call a handyman. While he does his job at ease, we can focus on some of our other works or just sit back and relax.
Electrician – Today our life is surrounded by so many electrical appliances and gadgets. Often, they create some problems or simply stop working like our Air-cons, geyser, fans, television etc. In order to repair or fix all these issues we need a professional and trained handyman.
Paint touch-ups – Painting a house is quite a tedious job, time-consuming, requires an ability to mix the colors in correct proportion to get the perfect tone, clean up all the mess etc. Handyman services are thus an absolute requirement when we need to paint the home or even for some minor touch-ups. He knows his job, has best techniques and hence we can get the job done to our satisfaction.
Plumber- Whether there is a blocked drain in the bathroom or need to install or replace taps or water leakage in the kitchen we need a plumber to fix it urgently. Sometimes it gets a bit difficult to find a good plumber at the need of the hour. Rather we can opt for a handymen service without any struggle and easily get a qualified plumbing proficient from the handyman service.
Renovation – When renovation needs to be done, be it an office space or a house we can’t think about anything else but a handyman service where-from we can easily hire a professional handyman. Renovation requires specific skills and calculated approach so that our home’s structural integrity does not get damaged.
Changing a light fixture – Often we like to give new look to our house with some beautiful lampshades or chandelier. However, doing it all by ourselves might be a bit risky. It is again actually a handyman’s job and we can stay away from the risk of being badly electrocuted.
Install Hardwood Flooring/Tile Installation and Flooring – When it comes to laying a tile floor or installing hardwood, carpet or laminate flooring, it requires special tools and professional skills. This work is very critical and even a slight mistake can ruin the entire look of the floor. A professional handyman being experts in their profession can only use the required tools effectively. It is best to call a handyman service, let the experts do their task while we are relaxed.
Hanging – At home or at office, hanging some large objects like a big LCD, gigantic art works or decorative mirrors can be quite troublesome. To our eyes, its levels and measurements might not be perfect but not for a handyman. He will make sure it’s all levels are perfect and get our job done.
Cleaning the gutters – We all know how important and mandatory it is to keep our gutters clean as they are related to further protection of our landscaping and even for the protection of the roof. This task can be easily done by a handyman.
Installing Windows – Installation of windows is obviously a job of an expert. Windows needs to be well-sealed and they need to be perfectly aligned too. All these can be done by a professional handyman for whom this is just a piece of cake!
Gardening – For some gardening work, we do not require an expert plant specialist but a handyman can do the job. This saves money as well.
Some of the Benefits are –
Saves Time – A handyman is a person who knows exactly how to get the job done. A handyman takes care of all the needs for the project like shopping, repairing and finishing the task. He comes prepared with the right tools and materials needed. Hence since he does everything for us proficiently, all we have to do is to just let him know what our requirement is and sit back and relax while he would finish the job for us. Naturally all this saves our time and energy which we can invest into some other work.
Saves Money – Hiring a handyman service is very cost-effective. If we try to finish it on our own it’s mostly a process of trial and error but handyman is a pro and they know how to move about with the project and hence we just need to pay him once to have the job done right. Moreover, handymen often gets discounted rates from suppliers and wholesalers and this works at our benefit as we can further ask for discounts from the handyman. Again, a handyman usually sets time-frame that in turn saves us the utility costs during the project and since they are in many cases charged per hour of work, it becomes a cheaper contract too!
Handymen makes us aware of the other upcoming issues ahead of time that needs repair or fixing too – When handyman makes us aware of upcoming problems which may be in a pipe or roof or windows, then knowing these problems ahead of time can help us to save money and time from future repairs and replacement.
Eliminates Stress – Since handymen are a professional individuals, we can be rest assured that his knowledge of the project will work best for the household or business. Our hassles are minimized when we opt for their professional service and thus our stress quotient is also much less.
Simplicity – Handyman is capable of all types of repair, maintenance or remodeling work. Hence, instead of hiring multiple contractors for each repair work, we just need to hire a handyman to get them all done. This saves money and completion of multiple tasks at one go thereby making the whole process much simpler for us!
Hence from what has been said above, it is indeed a service that every house needs. A handyman offers fast and reliable service with their own expertise and required tools. Hence these Handymen can actually save us the frustration and potential injury that might occur if we try to handle their job on our own. These professional handymen are skilled enough to multitask. Hence, for any of our future household or office fixes or maintenance or remodeling, we should not delay rather contact our nearest Handyman services.
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Insurance is like a financial guard or protection against any possible event or a range of events. It is an arrangement or coverage by which the insurance company or insurer provides a guarantee of compensation for some specified loss, death of breadwinner, some kind of permanent disability, property damage, critical illness, or in return for payment of a specified premium. In any of such above mentioned occurrences, the insurance company or insurer from whom we bought our policy will have to pay us an agreed amount to cover some of our losses. It is the work of an Insurance Agent or Financial Adviser to look after our policy from the beginning and guide and help us throughout the period when we hold the policy to him.
Why do we need Insurance
We all work for a good life and to fulfill our dreams and live for our loved ones. Naturally, because insurance is all about providing financial safety to ourselves and our family, protecting business from financial loss or liabilities etc it is such an important component of our financial planning. That is why we need to insure our life and our assets. This helps us to enjoy financial security, reduce stress during hard times and also secures the financial future for our family members after the death of the breadwinner.
Types of Insurance –
Life Insurance – Life insurance also known as life cover or life assurance is a policy or a contract between the policy holder and an insurer or where the former chooses the amount of coverage, time period and pays his premiums either monthly or annually. In return, his family has the reassurance from the insurer to pay the designated beneficiary a sum of money upon the death of an insured person when a valid claim is made. With this money the grieving family will get some financial help like they can pay the household bills, take care of the child-care costs or pay any debt if there were any etc.
Health Insurance – An unexpected event like critical illness, disability, trauma or accident, may leave us with some financial loss. Health insurance covers the risk of a person incurring medical expenses in whole or in part. It covers the cost of the insured’s medical and surgical expenses. However, depending on the type of health insurance coverage the person have he will either have to pay the costs out of his pocket and later he will be reimbursed or the insurer makes payments directly to the respective authority i.e hospital etc.
General Insurance – General insurance is the insurance that covers tangible assets that are susceptible to damages like fire, marine, damages to car, accident, damage to house. Hence it is called as non-life insurance policies too. General insurance products are bought as they provide protection against unforeseeable contingencies. In this type of insurance too, products come at a price in the form of premium. If any of the above mentioned events happens, then the insurance company have to pay the client an agreedamount to cover some or all of the losses. In such cases, it is the duty of the Insurance Agent or Financial Adviser to help and guide us throughout the process.
Vehicle Insurance – A vehicle is often expensive and we all want to protect it. Vehicle insurance is insurance for different types of road vehicles like – our cars, bikes, trucks, motorcycles. This gives financial protection against physical damage after an accident or damages due to traffic collisions etc. Hence depending on what coverage we select, vehicle insurance will be paying to repair for our vehicle.
Critical illness insurance – This is an insurance to cover expenses of any critical illness. As per the contract the Insurance Company has to make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses as mentioned in the predetermined list of policy papers. Such illness includes paralysis, stroke, severe burns, heart attack, any surgical procedure, cancer, coma etc.
Home Insurance – This insurance is also called homeowner’s insurance. It gives coverage to the losses and damages of the policy holder’s house and the assets in his home. It is a type of property insurance that covers a private residence. Such damages include which are caused by fires, theft, explosion, lightning strikes, household apparatus etc. However, all natural disasters are not covered by home insurance like damage caused by earthquakes and floods mostly does not fall under the coverage.
Travel Insurance – Today many people feels it safer to be covered while travelling. We can opt for the travel insurance at the time of the booking of a trip to cover us during the duration of that trip. Travel Insurance usually covers trip cancellation cost, cost of lost, stolen or damaged baggage, medical expenses, delayed baggage, flight accidents etc.
Pet Insurance – Insurance for our pets is a form of property insurance. Under this category, veterinary treatment, accidents, illnesses, injuries, rehabilitation, surgery or if the pet is lost or stolen are mostly covered.
Saying all these, let’s understand why we need an Insurance Agent or Financial Adviser. They are the best person to rely on as they have proper knowledge of the market. They are like our personal advisers who understand our individual needs and accordingly make sure that we are adequately covered. Since they are licensed insurance professionals their advice can give us the maximum protection which we might miss out if we search on our own.
Most importantly they are right around the corner and ready to help be it with home related insurance matters or auto policy or anything related to business coverage. So let’s make our future secured, by investing on Insurance while let the Insurance Agent or the financial advisers do their part to provide us the ultimate benefits from our investment.
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It is very common and natural to worry or feel anxious when we decide to buy a house or property. The fear related to this is never-ending – whether to go for a loan, will we have enough cash for the down payment, are the papers of the property all legal, what if there is sudden decline in the property value after our purchase. Since a lot of cash goes at stake, of course we want to make sure that we get the best deal. Hence it is always safer to hire a property agent or real estate agent who knows the market well, has good list of properties to offer and understands our requirements and all criteria well.
However following are some of the very basic tips that we should consider when we plan to buy a property –
We need to thoroughly understand how much exactly we can borrow – It is very important to know how much we can actually afford on home. A pre-approval letter from the banker is always a pre-requisite for house hunting. In fact, most of the property agents or real estate agents need a pre-approval letter before showing the property to their clients. Moreover, knowing our budget also helps to save time on house hunting.
Either be the first or the last – It’s a trick! If we are serious and understand that it is a great deal, then one trick is to quickly make an offer to the owner or to the agent who would pass it to the seller of the property. This way we can win a good deal.
On the other hand, another situation where the owner is tired of holding on to a particular property or he wants to sell it off for personal reasons on great discounts, then the trick is to make an offer for it. In most of such cases, the seller will entertain almost any offer made.
We should buy property when it is a buyer’s market and avoid during seller’s market – A buyer’s market is one in which, there is a decline in the home prices due to reduction in demand. On the contrary, in seller’s market, the property price is very high due to increasing demand for homes. So here the tip is to invest when the price is low i.e. during buyer’s market to benefit ourselves.
We should always remember the amount we need for the down payment when we purchase a house – Usually, the national average for down payments is 11%. So we must check the hands on availability of this amount the moment we to plan to buy the property.
It is worthy to note that a pre-approval for a mortgage indicates that we are a serious buyer – Both our real estate agent and the seller of the house or property feels more focused seeing that we are serious about the deal.
For the buyers of their second home, it remains a question whether or not to sell their current home before buying a new one – To answer this, it totally varies from case to case. If the current home’s built-up equity will be applied on to the down payment on the new home, for sure, the previous house has to be sold prior to the new purchase. In other cases, if the client decides to rent out their current home as an investment, then the house does not need to be sold. However whatever the situation is, it is the loan advisor who does the preliminary examination and evaluates the risk of our profile. He checks the credit history too in order to determine whether taking a loan for the new home is feasible while retaining the title to the old home at the same time and accordingly will guide the buyer.
It is advisable that to view at least some number of houses physically even in today’s’ online convenience before buying our new property – Today online we can search, see pictures and even see a 360degree view of the house/rooms. However, when we are going for a lifetime investment, visiting at least a few houses to actually see how it looks and feels is worthwhile.
If the buyer’s offer is not accepted by the seller but another counteroffer is proposed by the seller, then it is better to look at it if we are really keen for that particular property – The current owner of the house might flat-out accept or reject an initial offer or he might also initiate a counteroffer. If this be the case, then all we need to do is with our property agent, we need to review it and determine whether the counteroffer is acceptable or not. Let’s say, it looks all good then without any delay we should go ahead to close the deal.
Saying all these, it still remains quite a hectic procedure and many stay in dilemma in this respect. Hence the best way to go ahead with such dealings is to have our own property agent or real estate agent to help and guide us in the process. He is the person who will understand the whole picture, send email alerts to notifying us of any new property listings and close our deal in a lesser complicated way.
It was a Saturday morning and I woke up late after a Friday late night movie. As usual headed to the toilet and while opening the bathroom door, it broke. Somehow I managed to pull it aside and thought of getting it fixed the next day as I already had pre-planned activities for the day. I was meeting a few financial advisors to help me with an insurance and savings plan. Later in the day, I had to finalize on a food catering service for an upcoming event, which was just a week ahead.
I ended up using the open door bathroom and got ready to meet the three financial advisors lined up for discussion. My wife and I had already met a few the previous weekend but nothing was impressive. The plan was to meet up at a coffee shop. My wife and I had done the homework on what exactly we expect from these investments.
The first advisor was a very young man who seemed to be in his early 20s. He had been doing this job for 6 months only and was having a hard time explaining the policy. It felt like our 45 minutes got wasted.
It was time to meet the second advisor. He seemed much more experienced and knew all the jargons used in the financial investment sector. He understood my needs, but it looked like he did not have any offer to serve me. He tried his best to change my thoughts and sometimes even tried to manipulate it. I felt being pushed into an impulsive purchase of one of the policy he had to offer. I am sure this is a very common scenario as this was not my first such experience.
The third advisor was a woman. She seemed excited and started her sales pitch without even listening to my requirements. I had to literally stop her, off course in a nice way and tell her what I was looking for. She gave up instantly. She seemed confident and knowledgeable only on the products that she was selling or rather her company wanted her to sell, but did not really have a picture of what a customer might look for.
It was almost evening and we had wasted 3 hours without any result.
It was now time to arrange for the food catering services. My wife and I decided to Google for some catering services online. Google showed us several catering services. Now the problem was, which one do I choose? They all had their phone numbers listed, but I really did not have the patience to call them one by one with my enquiries. Nobody wants their guests to have a bad experience of food but, there was no way to find a review of the caterers service and food quality. After hours of search, my wife and I used a pen paper to short-list the caterers and eventually decided to call them later as it was getting too late.
Being completely exhausted, we dropped the plan of fixing the bathroom door and decided to go over to a friend’s house for some beer and make the day a little better. There we watched a movie and drank gallons of beer. It was 1:00 am already and we had to head back home. Off course, the only way was to use one of the online cab booking apps. I booked the cab and it was at the doorstep in 3 minutes.
We got into the cab and the first thing I said to my wife – “What a day… I wish everything was as easy as finding the cab…” After a long pause… my wife responded – “Why not! We can build something that helps to find the insurance and savings plan… the food catering service… a handyman to fix the bathroom door”. It was that day, that, we decided to build StringsSG:
A platform that can help people request for a service that meets their need and criteria just with a few clicks.
A platform that has the algorithm and artificial intelligence to sort the responses from service providers based on a higher match percent to the customer’s needs.
A platform that allows the customer to view the service provider’s ratings, reviews and past success stories on their profile.
A platform that allow service providers to build connection with potential clients, share their success stories, post free Ads and build a strong portfolio to gain trust of the customers.
This gave birth to StringsSG – dedicated to serve the people in finding the right service providers.