How to talk to your contractor about paint

If there’s one thing contractors love, it’s when customers tell them how to do their job. Kidding. That’s actually right behind not getting paid on their list of pet peeves. Unfortunately, when it comes to painting projects, customer and contractor are often at loggerheads since the best paints for pros are not always the best paints for homeowners. So how do you navigate the divide?

Start by stating your priorities upfront. Pros tend to focus on how easily a paint is applied and how quickly it dries. But as Consumer Reports’ tests routinely show, paints have many performance attributes, and there is often wide variance from one product to the next. Some go on smoothly but lose their gloss over time, which could make them less effective on surfaces that you clean often, such as kitchen walls. Others provide excellent one-coat coverage, while others require two or more coats. That will change the material costs significantly with large projects.

It’s important to think these factors through before speaking with your contractor so that you can communicate your desires clearly.

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Markets rebound following worst trading day of 2012

Most global markets bounced back Wednesday after their worst trading day so far in 2012, but failed to erase the previous day’s losses.

In Canada, the benchmark S&P/TSX composite index posted its first positive close in four sessions, rising 51.53 points, or 0.42%, to 12,350.16. Nine of the 10 sub-indexes advanced, led by consumer goods, up 1.08%, and energy, up 0.98%. Financials was the only decliner, dropping 0.22% as all seven of Canada’s banks lost ground, including Laurentian Bank, which slipped 0.69% to $44.74 after its first-quarter earnings, excluding some items, missed estimates.

The price of crude oil rose US$1.46 to US$106.16 a barrel, while gold, which has lost more than US$100 in the past week, clawed back just over one-third of the previous day’s losses, gaining US$11.80 to US$1,683.90 an ounce.

Asian markets slid again on Wednesday, but European and North American indexes advanced as more banks signed on as voluntary participants in the Greek debt swap ahead of Thursday’s deadline. So far

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Credit card fraud hit lowest levels for a decade

Credit card fraud levels have reached a new ten-year low, as losses continue their downward trend.

The UK Card Association revealed that as well as fraud hitting the lowest level for a decade, online banking fraud losses have also decreased.

Over the past three years credit card fraud fell by nearly 45%. In the last year alone, theft has decreased by 7% to just £341 million compared to £365.4 million in 2010.

An increase in security measures for online banking and telephone banking has made it much harder for fraudsters to bypass the system and get their hands on consumers’ cash.  

Melanie Johnson, Chair of The UK Cards Association claimed that the fall in fraud losses was “clear proof that our endeavours to fight fraud are packing a punch.”

“Driving down fraud and keeping cards safe continues to be a priority for the industry. This is the third year card fraud losses have fallen.”

“Customers have also played their part in driving down losses by taking heed of advice about looking after their personal and financial details. Fortunately,

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Understanding And Using Payday Loans Responsibly

Payday lending has existed for several years but has recently become more popular due to television advertising and other promotions. Fallout from the 2007 recession has made it difficult for many consumers, especially those with poor credit, to obtain financing.

Payday lending is a quick and easy alternative to loans bank provided. The process does not involve a credit check or loads of documents. In many cases, it can be completed entirely online.

Getting a loan from a bank can take weeks or even months. Many UK households need cash quickly to address short-term financial gaps. Payday loans offer fast access to small amounts of money that are repaid on the following payday. Some lenders instantly approve loans and provide funds within minutes via direct deposit to a bank account.

No credit check loans are attractive to consumers whose credit rating has taken a beating in recent years.

Loan terms typically range from one week to 30 days and the amount is capped at around £1,000 to £1,500. A

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Downton Abbey Gets Some Credit

Lady Mary Crawley: A Travel Rewards Card For the Finer Things in Life

Mary’s next big adventure: her wedding to Matthew Crawley. (Don’t worry, he’s her third cousin, once removed.) Since she enjoys the finer things in life, she’ll want to start racking up rewards points on a card like the American Express Express Gold Card for the honeymoon of a lifetime. Mary will get points for each purchase, which can be redeemed for special travel packages at hotels around the world and special events, such as concerts, sporting events and shows.

Thomas: A Balance Transfer Credit Card for His Debt Troubles

This sinister servant and deceptive soldier finds every excuse to get his way and get out of trouble. Iff Thomas lived in our times, he’d be getting into some serious debt troubles. He would have racked up a lot of credit card debt and his good pal O’Brien would need to be the voice of reason to get him back on track with a balance transfer card. After trans

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Answers to your biggest questions …

Between my recent trip to the Orlando MoneyShow and all the regular e-mails I get from readers, I’ve had a lot of questions coming my way lately. And that’s why I wanted to take some time today to address a few of the most common topics that have been coming up.

For starters, the initial feedback on the new covered call strategy that I’ve started using in my dad’s income portfolio has been wildly positive. But a lot of people want to know:

“How Are You Deciding What Specific Options to Write? And How Hard Is It to Do This Myself?”

First, let’s start with how I’m selecting my trades. As I’ve mentioned before, I am ONLY going to recommend writing contracts on stocks that we already own … so that right there limits our choices to a very short list of companies to choose from.

I should note that plenty of other people DO write calls without owning the underlying stocks. But I consider that an extremely dangerous approach.

Still other people specifically buy stocks that they know have the potential to create very big premiums from call writing. I think that’s a fi

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