More Than Finances

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The Basic Needs of the Refrigeration Tools

Refrigeration tools are helpful in performing precautionary maintenance and repair on devices, like refrigerators, air conditioners, automotive air conditioners, and freezers. When you wish to repair your personal refrigeration appliances, then you can consider going into servicing, but you must be armed with the basic refrigeration tools. You must keep this in mind that buying the basic refrigeration service tools is an investment, but additionally, it is important to consider the amount of money which you can save when you DIY. When you decide to buy the basic refrigeration tools then you must do it from a reputable website as these websites strive to maintain the superior quality standards of fairness, integrity, and decency to all the customers.

The basic refrigeration tools

Some quality refrigeration service tools are as follows:

  • Tube Cutter – This is a refrigeration tool which is used for cutting copper tubing. You can also get a bigger tube cutter for large tube diameters.
  • Flaring tool – This tool is used for spreading the copper end outward till a flare gets formed.
  • Swagging tool – This is a refrigeration tool which is used for expanding the interior diameter of one copper tube for making the resulting diameter same as the outer diameter.
  • Brazing torch – This refrigeration tool is used in soldering the joints of a couple of copper tubes together. However, when you are joining brazing copper tube joints, then do it in a well-ventilated space as prolonged inhalation can cause cancer.
  • Copper tube bender – This is a copper tube bending tool and it comes with a three-size molded half-round wheels.
  • Adjustable wrench – An adjustable wrench comes with an adjustable jaw and a six-inch adjustable wrench turns highly useful for refrigeration repair.
  • Flat edge screw driver – It is a screw driver that has a flat driving tool.
  • Philip screw driver – This screw driver comes armed with a cross driving end and it is an excellent idea to possess three sizes of this kind.
  • Allen Wrench – This is an angle hexagonal driving wrench and created out of hardened steel.
  • Long nose plier – A long nose plier is a plier which has a long pointed nose. These tools are highly useful and an excellent addition to the tool boxes.
  • Slip joint plier – This is a mechanical plier which has got a slip joint for adjusting the size.
  • Electrical plier – This insulated plier is used by the electricians largely.
  • Pipe wrench – A pipe wrench is used for fastening pipes and tubes.
  • Socket wrench set – A socket wrench set is needed for removing a remote hex bolt or not where you require adding an extension for removing it.

Buying from the reputed websites

While buying, you must buy quality refrigeration service tools only from trustworthy websites. The reputed websites are committed to protecting your privacy and they take their customers’ responsibility related to security pretty easily. Additionally, a reputed website provides information regarding its services that a customer can identify and which will be used for processing orders or inquiries and also for proving a more personalized shopping experience. The change in services or special offers is notified to the customers urgently and for the protection of the customers, a reputed website never distributes, sells, or leases their personal information.


You Gotta Get Paid! Here’s What You Need to Qualify for a Payday Loan

If you need fast money, a payday loan gives you as much as your paycheck. But what do you need for a payday loan? Click here and know if you qualify!

Extenuating circumstances pop up and leave you in a financial bind sometimes. But you’re not without hope.

Fast money is a simple list of qualifications away. A payday loan can save the day.

12 million Americans borrow money from payday loan lenders every year. Whether it’s for the mortgage or bills, payday loans offer a way to survive between paychecks.

And if borrowing money embarrasses you, don’t fret. Some lenders allow you to complete the entire process online.

If you can’t suffer through the financial storm until your next check, read on. What do you need for a payday loan? Learn here.

Have Steady Income

This may come as a surprise, but not all lenders require you to have a 9 to 5. All you need is proof of recurring steady income.

Take your bank statements, for example. Income from self-employment, social security, or alimony gets deposited into a checking account. If you pull three bank statements, most lenders will consider that steady income.

A checking account that’s been open for more than 30 days helps with the approval process.

For LittleLoans, some payday lenders will allow a copy of your most recent tax returns for proof of income.

Either way, a steady stream of finances proves you can pay back the loan.

What Do You Need for a Payday Loan: Residency!

If you’re applying to a local lender, unless they say otherwise, you must reside in the same state as your application.

Make sure the address on your license is up-to-date, as lenders will check it and make a copy. They keep this information on file as proof of residency.

You may also get asked for a copy of a bill reflecting a local address matching the address on your license. A phone or an electric bill may suffice.


You must be of legal age to apply for a payday loan. 18 is usually the legal age of majority, particularly in the United States.

This means you’re considered an adult who can apply for and pay back a loan at your own consent. Be sure to have proper identification available before you apply. Lenders will ask for verification of age.

Additional Info

If you apply for a loan online, you’ll most likely need a valid social security number. If you don’t have one, a TIN (Taxpayer Identification Number) should work.

You must have a working phone number as well. Lenders must have a way to contact you outside of email.

While lenders like to help as many people as possible, if you’re active in the services, your loan may get denied. Lenders find it difficult to collect on loans from deployed borrowers.

Get a Payday Loan

If you need fast cash, don’t sit around and wait for it to fall out of the sky. Find out what do you need for a payday loan.

Gather up all the necessary documents and seek out a reliable lender to get the financial help you need. Check out our toolkit for more information and tools on how to budget your finances.


A Newlyweds’ First-Time Home-Buyers Guide: 10 Important Things You Need to Consider

Are you and your new spouse in the market to buy your first home together? Check out this first-time home-buyers guide for all the factors to consider!

The average cost of a wedding has reached a record of $35,329. To put that in perspective, that’s a 20 percent down-payment on a $175,000 property.

Therefore, for many couples, getting married and preparing to buy a home are competing goals. Few people can afford both at the same time.

Now you’re a married couple and the wedding is over, it’s time to start thinking about buying your first home. Keep reading this article for our first-time home-buyers guide for newly-weds. Let’s dive in!

  1. Buy or Rent?

Home-ownership has fallen in recent years. An increasing number of Americans are renting property rather than buying a home themselves.

It’s important to consider whether buying or renting is the right choice for you and your partner. If you decide to buy a property, you could be committing to a mortgage.

Are you in a stable career or not? Are your financial circumstances steady? Are you thinking of moving anytime in the near future?

If you decide to buy your first home, it’s important you have considered the alternatives.

  1. What Savings Do You Have?

Many people think a down-payment deposit for a property is enough to be granted a mortgage. It’s not!

You need to be able to demonstrate that you can save and manage your money appropriately. The lender has to trust that you’re capable of meeting the mortgage repayments.

That’s why you need to start saving for a mortgage immediately after your wedding. The best method of achieving this is by opening up separate savings account exclusively for the purpose of saving up for your property.

You can find out more about your home loan eligibility here.

  1. Fixed Mortgage Rates

Interest rates are extremely low at the moment. Nobody knows how long this is going to continue.

That’s why, if you’re applying for a mortgage, it’s better to get a fixed rate for your mortgage repayments.

This provides you with the certainty and peace of mind that regardless of whether interests rates rise or fall, you’ll payments will remain the same.

  1. Shop Around for the Best Mortgage

There are numerous mortgage deals on the market. You don’t have to go with the first one which sounds good.

When it comes to mortgages, loyalty to your bank really doesn’t pay. Even if you have banked with a particular bank for a number of years or you walk in off the sidewalk, you won’t be treated any differently by most lenders.

That’s why it’s essential to shop around for the best deal.

  1. Avoid over Borrowing

You need to calculate what you can afford when buying your first home. It’s a big mistake to borrow more than you can manage.

Failure to make your mortgage payments could result in harmful consequences for your credit rating.

  1. Be Picky About the Property

You can’t exaggerate the importance of the step of buying your first home with your partner. Don’t make too many compromises and exceptions when you’re searching for your dream property.

Where do you want to live? Do you want to a big yard? Do you want to be near good schools?

You need to be patient about finding the property that you fall in love with. Once you do, you won’t regret waiting for the right home.

You may find when you want to sell the property, it is for these reasons you can’t find a buyer.

  1. Avoid a Bidding War

Even if you eventually find the home of your dreams, it’s not worth starting a bidding war over it.

You really don’t want to pay over the odds for a property. This is especially true if you end up spending more than you were prepared for financially.

Don’t be too down heartened if your ideal home slips through your fingers. There’s always another ideal home around the corner.

  1. Spot Potential for Improvements

You’re never going to come across a property which is 100 percent how you want it to be. Do you want a larger master bedroom? You’re not happy with the design of the bathroom?

These things don’t matter. You need to be able to spot potential for improvements in a property.

Concentrate on the basics of the property rather than the detail. What about the general size of the property? How is the location?

There are many things you can change about a property. You need to spot what can be altered and focus on the things that matter.

  1. You’re Not Stuck with Your Mortgage

Although getting a mortgage is a huge decision for newlyweds. It’s not the be all and end all.

Your mortgage may commit you to twenty years of repayments. However, you can always change the terms of the mortgage at a future date.

You may discover that with a promotion here and there you can pay off your mortgage quicker than you expected.

  1. Don’t Neglect the Little Extras

When considering what kind of property you can afford, it’s important to include any of the little extras in your budget.

For example, the fees of the real estate agent or the VAT on the purchasing the property. It’s easy to forget these smaller expenses. However, you’ll be surprised how much they add up to.

First-Time Home-Buyers Guide

Buying your first home as a married couple is a huge and exciting stage in your lives. That’s why it’s so important to make sure you make the right decisions and don’t make any of the common mistakes.

With our first-time home-buyers guide, you can ensure that you consider everything before buying a home for the two of you to start your married life.

For more information and advice on your personal finance, contact us!


Golden Apple? How High Was Steve Jobs’ Net Worth, Really?

The Apple CEO was rolling in dough in his time, but what would Steve Jobs’ net worth be like now? Read all about the past and the present in this post.

Where would the most valuable company in the world, worth nearly $1 trillion, be without the vision of Steve Jobs?

For starters, it wouldn’t exist, as Steve Wozniak planned to share the Apple I design for no cost. And if Jobs hadn’t returned to Apple in 1997, there wouldn’t be any Apple Stores today.

Not to mention, the Toy Story trilogy, which is one of the highest rated trilogies on Rotten Tomatoes, wouldn’t have hit the big screen without his help.

But how rich was Steve Jobs before he passed away? What would Steve Jobs’ net worth look like today?

Read on to find out the answers to some of the biggest questions about Steve Jobs’ wealth!

What Was Steve Jobs’ Net Worth in 2011?

On October 5, 2011, the day he lost his battle to pancreatic cancer, Steve Jobs’ net worth was $10 billion.

Approximately $2 billion of that came from his 0.5% stake in Apple (5.5 million shares). Much of the rest of his fortune derived from his 7.7% stake (130+ million shares) in Disney, worth nearly $4.3 billion at the time of his death.

Laurene Powell, Jobs’ wife of 20 years, inherited it all, and she’s worth over $21 billion today.

Along with his Apple and Disney shares, Steve Jobs also had a $130 million yacht and a private jet. He owned two homes in California: a mansion in Palo Alto and a Spanish Colonial house in Silicon Valley.

How Did He Build His Wealth?

At age 23, Steve Jobs became a self-made millionaire without a college degree. This was in 1978, just two years after he helped found Apple Inc.

Steve Jobs’ net worth soared past $200 million on December 12, 1980, the day Apple stock went public. He didn’t become a billionaire until November of 1995 when Pixar held its IPO.

For a successful entrepreneur, Steve Jobs had a frugal approach to life, helping him save money over time. However, he made the bulk of his wealth three years after his cancer diagnosis.

In 2006, Disney acquired Pixar for over $7 billion, and the deal made Jobs the largest single shareholder of Disney.

What Would His Net Worth Be Today?

Even if Steve Jobs were still alive today, he most likely wouldn’t be the richest man in the world — not even close. His fortune is now valued at just over $14 billion, while Jeff Bezos has a whopping net worth of $140 billion.

However, had Jobs kept his original stake in Apple, it would now be worth $66 billion. That alone would make him the world’s 8th richest person in 2018, not far behind Mark Zuckerberg.

Final Thoughts on Steve Jobs’ Net Worth

During a 30-year stretch, Jobs forever changed the worlds of tech, entertainment, and retail. And despite making just $1 per year at Apple from 1997 to 2011, he was one of the top 50 richest people in the world when he died.

Now that you know all about Steve Jobs’ net worth, want to learn about the wealth of other big names? Start by checking out our article about how Lewis Howes went from being broke on a couch to a Millionaire!


5 Forex Day Trading Mistakes to Avoid for Success

Day trading forex can be profitable and fun. Follow proven practices and avoid mistakes to trade successfully. Discover the biggest forex day trading mistakes.

Over $5 trillion – yes, TRILLION – is traded every day in the forex marketplace.

If you want a piece of the action, you need to learn everything you can about forex day trading before jumping in.

Making these five mistakes could cost you dearly, so be sure to avoid them and you’ll be on your way to being a successful forex day trader.

Keep reading to find out more about these common forex mistakes.

  1. Wanting to Get Rich Quick

It’s no secret that you can make a lot of money as a day trader. That’s why so many people are doing it. However, it’s not something that’s going to make you a multi-billionaire overnight. Your investment strategies should be long-term. Recognize that while you’ll likely have small wins on a daily basis, it’s going to take a while before these start adding up to additional wealth.

  1. Not Having a Plan

Without a solid plan in place, you run the risk of losing money by only following your emotions. There is something to be said about listening to your gut, but you also need to have a well-defined exit strategy.For example, you may sell only when your return has reached at least 50%. Or, you may have a minimum amount at which you buy. Being careful to pick a strategy that works will help you succeed at day trading.

  1. Risking Too Much Money

Forex day trading is not a sure thing. Even if you can successfully hold off on a trade so you at least break even, it’s dangerous to tie up too much of your capital in the market at any given point in time.We recommend investing no more than 1% of your total capital in the market at one time. This will prevent you from suffering if you’re not able to sell trades as quickly as you hoped.

  1. Going it Alone

It may feel like it at times, but you’re not in this alone. You don’t have to figure it all out on your own. Doing so means you miss out on the chance to learn from people that know what they’re doing.Visiting sites like RedHotFx frequently will help you form successful strategies and give you insider information to help you pick the best trades. Make sure you check in with these sites often for new information, tips, and tricks.

  1. Following the News Too Closely

On the other hand, you don’t want to follow the news too closely, or you might find yourself simply following current trends that won’t pan out in the end. Use a combination of information and your strategy to find success as a day trader.

Want to Go Beyond Forex Day Trading?

While forex day trading is a great way to invest and watch your money grow, it can also be easy to lose money by making the five mistakes we discussed.

If you want to find other ways to invest your money, be sure to check out our blog. We’ve got a ton of information on different ways to invest so you can find something that works for you!