How Much Money Should You Keep In Your Checking And Savings Account

Not keeping enough money in your checking account and savings account can attract overdraft charges and maintenance fees. You may already have these accounts with banks like columbia bank marlboro. Allocating the funds well between the two banks can help you handle your account balances well.

Read ahead to know how much cash you should keep in both these accounts.

How much money should you keep in your checking account

If you use just one checking account, you may already be using it to pay your bills and spend. Some people use two checking accounts for each of these purposes. Pick an amount that you want to maintain in your account.

This can include an amount that is unrelated to your expenses, say $4,000. It is a good idea to keep at least two months of living expenses in this account at any given time. If you can afford it, go ahead and keep an additional 25% to 30% above the checking account’s living expenses.

In this way, you can avoid overdrawing your checking account and will not have to incur any extra fees.

Columbia Bank
133 Route 9 South, Marlboro
NJ 07726, United States
Phone: +1 732-972-1777

How much money should you keep in your savings account

The main purpose of your savings account is to act as an emergency fund. You can go ahead and save at least three to six months of living expenses in this account. The savings account will also pay a small interest on the money deposited. Hence, your money won’t sit idle in this account.

After this, you can add any savings for other goals you have. Do note that a savings account will have a minimum withdrawal limit. It is best not to use this account for frequent expenses.

By allocating your money between a checking account and a savings account, you will be able to use your funds in the best way. This leads to organized finances and better saving in the long-run.

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epoxy floors delaware

Epoxy Floors: A Few Things You Should Know

New flooring can make a part of your home look completely different and brand new. When you decide to put in new flooring in any part of your home, you might begin looking around online and researching your options as you try to decide which type of flooring would be perfect for a specific room in your home.

For garages, kitchens, and the like, one of the more popular solutions these days is epoxy flooring. It is so well regarded because of how easy it is to maintain for homeowners, how durable it is, and how long of a lifespan it will have. After all, you want to make sure this investment into your home is going to last for a good amount of time to come.

So, is there anything that you should know about epoxy flooring before you get it installed? There a few disadvantages to choosing epoxy flooring that you should keep in mind before you make your final decision on it.

A Few Disadvantages of Epoxy Flooring

One of the first things you should keep in mind is that epoxy can take a few days to completely harden. In some cases, it could take up to 30 days for the flooring to be completely cured, which can be a long time to wait if in a room you use frequently.

You should also keep in mind that epoxy is not a flooring solution all on its own. You should also have a concrete, wood, or steel floor for it to be placed on top of. If you don’t already have one of these flooring types and you want to go with epoxy flooring in a certain room, you will have to completely redo the flooring in the room before laying down epoxy.

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You should also keep in mind that over the years, epoxy can begin to chip or crack in high traffic areas, so keep this in mind if you are installing it in a room where there is a lot of activity.

If these are things you think you can handle in your home, then you should get in touch with a local epoxy floors delaware professional to get the job taken care of.   

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hardwood floor stripping cedar rapids ia

How to Maintain Your Hardwood Flooring

Hardwood flooring adds appeal to any commercial business but only if it is maintained at all times. Without proper maintenance, hardwood flooring may quickly lose its appeal and need replacing. How can you ensure this issue does not affect your home?

Professionals Get Things Done

Professional service is the best way to get your flooring needs in order. Experts have the cleaning and maintenance strategies that protect hardwood floors, not to mention commercial-strength products that work wonderfully. They offer services like hardwood floor stripping cedar rapids ia and staining to suffice your needs.

What’s the Cost?

The cost you will endure to hire a professional varies from one job to the next, however, the cost is low compared to what you get in return. You need to maintain your hardwood flooring for many reasons. It ensures maximum appeal which is important to both employees and to customers who come inside the business.

A few more tips that can help maintain hardwood flooring include:

·    Sweep the floor at your business everyday. Removing dirt, dust and debris prevents damage to the wood flooring.

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·    Use rugs and other protective floor coverings where appropriate. This adds appeal to the room and protects the floor against damages.

·    Protect the flooring and give it awesome appeal with waxing service. This protective sealant adds shine to the floor and reduces damages that could otherwise occur.

·    Call professionals for repair service if you notice damage to the floor. Damages can cause slip and fall injuries and other hassles.

Final Word

There are many simple ways to maintain the hardwood flooring at your business, including using the ideas above. Take the time to protect your wood flooring and you’ll enjoy it for a much longer time with fewer problems and fewer expenses along the way.

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residential tick control tanner williams

The Importance of Residential Tick Control

Tick control service may not be the first service you arrange but maybe it should. Ticks are around all year long but during the summer, the parasite is relentless. They can make life a nightmare for households when they are out and about enjoying their lives. Luckily, residential tick control tanner williams solves the problem. It is time to arrange professional service and safeguard your home and family.

Ticks hide in tall bushes, grass, and weed. They jump on their victim when they walk by. Some people think ticks are dangerous only when they’re hiking or in wooded areas, but that simply isn’t true. Ticks hide anywhere and are ready to attack at a moment’s notice. They not only attack humans but pets too. Everyone is at risk of ticks and the devastation they cause, but you can take action and safeguard yourself and people you love the most.

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This pest bites its victim and attaches itself using its sharp fangs. Most people do not feel a tick when it bites so it enjoys its blood meal worry free for some time before it is noticed. If a tick is attached more than 24 hours it can transmit diseases like Lyme disease. It is scary to consider that outdoor fun could lead to something as horrible as Lyme disease, but it is true. That is why protecting your property against dangers is so important.

Professional tick control service ensures ticks do not infest your property and can make the summer a nightmare. Many people understand firsthand how terrible ticks can be and want to make sure the problem doesn’t impact their lives. Experts can use a few different techniques to prevent ticks or to treat the area. Costs vary but it is a small price to pay for supreme protection.

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tooth extraction near sun city

How to Find a Great Dentist

A tooth extraction procedure never produces happiness, but when you know that a great dentist has your back, it offers a ton of relief. And so, if you need a tooth pulled, do not choose the first dentist that comes along. Awesome dentists are out there and finding one who surpasses your needs is fairly simple and quick.

Word of Mouth

Friends, family, coworkers, and even neighbors often know just which dentist to send you to if you ask. Word of mouth is one of the most trusted ways to find a good dentist to remove your tooth.

Social Media

Social media puts us in touch with many products, services, and businesses. Use social media sites like Twitter, Facebook, and YouTube to find out more about tooth extractions and to find a dentist in your local area.

Insurance Company

tooth extraction near sun city

Concerned with the dentist accepting your insurance? You can always visit the insurance company website or give them a call to get a list of recommended providers accepted under your plan. They offer this service to their policyholders at no cost, so all you need is a little time.


Found online, on TV, and in magazines, advertisements provide information about local dentists and may also offer you a deal or two. Check out online sources first, since most people use this modern approach to advertising.

The above ideas can help you find the best dentist when searching for a tooth extraction near me sun city. Use one or more of the ideas to locate the dentist who will supersede your expectations and needs. A tooth extraction is a major procedure that you want to make sure you find a good dentist to perform. Now you can get a dentist who exceeds your needs.

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property management services crown point IN

Why Get Help with Property Management?

As you learn about the different ways that you can deal with your property, you may be thinking about how much or how little you want to spend to make it easier on yourself. This is especially true when you are trying to work out all of the details in a place that you don’t live in throughout the year. As you start to figure out what you need to get done, you may be turning to a company that can help you focus on investing in property management services crown point IN that work for you.

property management services crown point IN

Starting to work out the little things that you are going to face can take time, effort, and energy and, often times, you are going to see that you have to jump through some hoops in order to make it all happen. But, as you get ahead with what you need and how you want to work it out, you will start to figure out that it really can be a major advantage in all that you’re doing and working out in regards to your rentals.

Figuring this information out is going to go a long way and, often times, you’re going to find that you feel much more confident in relation to what it is that you want to be able to do. Look around at all that you can get taken care of and talk to people about your options. Then, work things out and hire a company that is going to allow you to learn the most that you can about those things. It will give you some major advantages and, when all is said and done, you are going to feel much more prepared and ready to take on more rental properties, as well.

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home conservatory installation modesto ca

Creating The Perfect Outdoor Space

The outdoors is a wondrous place to visit.  We have trees, flowers, wildlife and so much more.  For many, this is a perfect place to live and spend their time.  For others, it is a nuisance that can remain outside.  For those that like nature and want to have a place to experience it, building a conservatory is a great option.  When looking into conservatories, home conservatory installation modesto ca costs and other factors should be top on your list.

The view

When creating a conservatory, you want to focus on the view.  The view is very important and will determine how often your space is used.  If you have a lovely view in the morning and at night, then this will be the times that you use your space.  If you have a view that lasts all day long, then you should be getting even more use out of it.

Your desired use

home conservatory installation modesto ca

When building a conservatory there may be many different uses for it.  For some people, it can be a room where you entertain people with cocktails and snacks.  For other people it can be a room where you go to start your day, drink your coffee, read the paper and just settle your mind.

When creating a conservatory there are many different uses.  One option that is very popular is to have an indoor pool.  When we build a pool in some areas there may be a limited window in which we can use it.  In other situations, we may want to have a climate-controlled environment where we can just relax and have a good time.

Getting started

If you do decide that a conservatory is a good idea, then getting started is your first step.  You want to do your research and see what others are doing.  Look in your area for other conservatories and get ideas for yours.  At the end of the day however, creating your personal private space is the end goal.

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electrician chattanooga

How to Find a Good Electrician

Need an electrician? This professional is someone who knows all about electricity. He can come to the house or to your business when there is a problem surrounding electricity and keep you safe. But do not call the first electrician that you find because they are not all created the same. If you want to hire a great electrician, the following information may prove useful in the search.

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Ask Around

Word of mouth has long been a great way to transfer information to friends, family, and others. Take advantage of the information that others have and ask who they recommend for an electrician. You can search and save a ton of time by using word of mouth.


Online reviews are available to anyone that wants to take a look at them. That should be anyone that needs an electrician. Reviews provide insightful information that cannot be found anywhere else. Read all about it and you can learn so much about electricians in the area and if they are a right fit for your needs.

Personal Opinion

Use your own judgement when narrowing the search of electricians. If you get any uneasy feelings, keep the search going. Do they have experience? Are they nice and friendly? Do they seem interested in your work or making another dollar? Professionals are also important. Use your own personal judgment to find a great electrician.

The Last Word

The information above can help direct you toward a great electrician who will take care of your needs no matter the problem. Don’t assume that all electricians are the same and hire the first name that comes along and then expect great service.  You can find an awesome electrician chattanooga with the help of the above information.

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commercial handyman services colorado springs

Do It Yourself Roofing?

Many people are getting into the do it yourself craze and are starting to do almost everything on their own. As you’ve probably seen around the internet, this can result in some pretty big disasters that end up costing more than it would have to hire a professional in the first place. One area where people try to forgo the help and expertise of a professional is in roof repairs and replacements. But there are lots of reasons that you should consider working with residential or commercial handyman services colorado springs instead.

commercial handyman services colorado springs

Those who work with a roofing company have a lot of expertise that you may not have. They have special tools and knowledge of the materials that they use for roofing. If you make a mistake on your roof, it can end up in costly repairs around other areas of your home. You could fall through or off the roof and hurt yourself. You may have to deal with leaks and water damage. During a bad storm, part of your roof could collapse. And those are not good things to happen at all.

If you aren’t 100% sure of what you’re doing, you will probably be better off hiring a contractor or a roofing company to fix or replace your roof for you, or some of these bad things could end up befalling your home. You want to look around online to see what you can get your hands on and then see if it’s a good idea for you to go ahead and make a change to your roof. It could end up helping you to feel better and your roof is going to be able to work the way that you need it to work for you and all of the needs that you may have.

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