This way, you can carefully do the process and move your book safely.

#1 Book Chaos

Books can be stacked on top of each other in the moving box without any problems. This is because they bring a lot of weight with them. On the other hand, their pages tear apart quickly. 

The books are therefore optimally stored in special book boxes. Their bottom is reinforced and so can withstand the weight. If the books in the moving boxes are backed to each other, they cannot slip into one another and wear off.

#2 Carrying junk with you

Over the years, a few possessions accumulate in your home library that is no longer needed. About a month before moving the book, it is an excellent time to look through the belongings that have been left.

Bulky waste goes straight to recycling. Books and accessories that are in good condition can still be sold at the second-hand market. Not only do a few dollars flow into the moving fund, but the number of moving boxes required is also noticeably reduced.

#3 Packing too late

A week before the moving van is parked in front of the door, the first boxes should already be packed. Otherwise, stress is inevitable.

 But watch out: The first things that should go into the moving boxes must be the book that is guaranteed not to be needed urgently. This can include comic books, photo albums, or board games.

#4 Pack without a system

If everything just flies into the box that comes between your fingers, the chaos when unpacking will mostly happen. To not waste unnecessary time in the new storage place, distributing the books individually to the correct category. Frequently used books such as your daily reading should also be stowed away so that they are quickly to hand.

#5 Overfilled boxes

Moving boxes filled to the brim reduce the number of boxes required, but they can hardly be carried anymore. A box should therefore weigh a maximum of 20 kilograms. To give the boxes stability when packing, the rule of thumb is: heavy at the bottom, light at the top. It would be best to fill the upper half with light books such as small notes, etc.

#6 Blocked finger holes

No matter how cleverly packed the moving box is, the contents block the handle holes in the box, and it isn’t easy to transport. For this reason, elastic transport goods such as clothing and towels should either be stored in the upper part behind the handle holes, or the contents of the box should be packed so loosely that there is enough space for the fingers behind the handle holes.

#7 Unsuitable carton type

Sturdy cardboard boxes do not tear open so quickly and thus save a lot of trouble. For this reason, the moving boxes should be made of at least two-ply corrugated cardboard. 

For heavy books, bulky files, breakable glasses or anything that crease quickly, you should use special cardboard boxes designed so that the goods to be transported safely reach the new public storage without an issue. But be careful: too many different box sizes make it difficult to load the moving van efficiently. Only cardboard boxes of the same size can be stacked on top of one another in the loading space to save space.

#8 Wrong packing material

Newsprint is usually available in large quantities. However, it is only suitable to a limited extent as a packaging material, as the printing ink of the writing rubs off under increased pressure or moisture. 

To protect fragile old books from slipping back and forth during the move, we recommend packing paper, towels, socks, tea towels and duvet covers as stuffing materials.

 #9 Unlabeled boxes

If the storage company helpers do not know which storage room the moving boxes are correctly stored, they scatter them around the apartment in a wild jumble. It takes a lot of time to clear this chaos later and move the boxes into suitable rooms. You can save yourself this unnecessary additional effort by noting the content and the intended space on top and the side of the box. If you want to use the boxes again, you can also use self-adhesive labels or masking tape for this purpose. They can be easily removed after moving the books.

The post How to Carefully Pack Your Books for Public Storage? appeared first on AiiotTalk - Artificial Intelligence | Robotics | Technology.

But is this really the best time? 

Let‘s take a look.

The Holiday Season Rush

“Between Christmas and New Year’s Eve, a flurry of pitches touting year-end deals usually flood media outlets, but are year-end lease deals really that good?” 

According to the credit reporting bureau Experian, one of the best times to lease a ride is in the fall when many manufacturers introduce new models. However, there are variations, so check carmaker’s websites to learn when the new model year of the vehicle you desire will come out. 

Because dealers want to get rid of last year’s models to clear space for new ones, you may be able to find special lease offers. Just be mindful that, with the older model, you could lose out on upgrades or new features.

End Of The Month

Then there are those month-end deals. These occur when dealerships, most of which have a monthly sales target, are close to their goal as the month winds down. Basically, an automaker may slash prices to meet that monthly goal. 

Holiday Deals

There usually is a spate of lease promotions around holidays such as Memorial Day, the Fourth of July, Labor Day, and Christmas. While you may be able to latch onto some steep discounts, you might be limited to certain vehicle colors, a lower mileage allowance, or some other restriction. 

Quarterly Bargains

If you time your new car lease to the end of March, June, September, and December, you could take advantage of dealers who are eager to write leases to meet their quarterly sales quotas. A successful quarter could reap stellar bonuses for dealers.

December Lease Deals

While there are no guarantees, December has long been dependable for those seeking discounts. The fact is, during four of the six years from 2013 to 2018, December was rated the best month for incentives, according to Cars.com.

For one thing, luxury brands, which rarely promote huge incentives, usually sweeten lease and finance deals in December, sometimes marketing them as opportunities to bestow a loved one with a holiday present.

In December, many dealerships are relatively low in traffic and are eager to make deals. Combine that with the holiday week between Christmas and New Year’s Eve and you have one of the best weeks of the entire year to buy or lease. These Ram lease deals are a good example of just that circumstance.

If you have a jones for a specific model, December may not be the best month, unless you are looking for a small and premium SUV.  According to HuffPost, which cites a TrueCar study, the month of May is the best time to buy or lease a midsize SUV. Large trucks sell better in October, and November is the time for midsize and compact cars.

The Bottom Line

So, are year-end lease deals really that good? It depends on what you are looking for, but you can rarely go wrong by waiting until late December. In fact, with a little luck, patience, and persistence, there is every chance your dream ride can become reality at a very good price.

The post Are Year-End Lease Deals Really That Good? appeared first on AiiotTalk - Artificial Intelligence | Robotics | Technology.

“People with significant credit card debt will sometimes use a HELOC to “pay it off”. However, there are some considerations to ponder before going this route, one of which is extremely consequential.” 

This raises the question; should you use a line of credit for credit card debt relief? 

Well, let’s take a look. 

How a Home Equity Line of Credit Works

Perhaps best thought of as an ongoing pre-approved loan, a HELOC enables you to spend against a percentage of the equity in your home. Let’s say you have $800,000 worth of equity in a house worth $900,000, and you get a 50 percent HELOC.

That’s like having a credit card with a $400,000 limit.  

HELOCs run for about 25 years in most cases, during which you’ll have “draw” and “repayment” intervals. You can spend from the HELOC during the draw period all you’d like – up to your limit — but you’ll be required to start remunerating the lender during the repayment period. 

Interest accumulates during both. 

How to USE a HELOC on Credit Card Debt

The first step is to get the total payoff amounts from each of your card issuers as of a specific date. Add up the totals, draw that amount from your HELOC, use those funds to pay off the cards and you’re in business. 

The key is to make sure you get the exact payoff as of a certain date and meet that deadline. Otherwise, the phantom interest could accrue and you could find yourself with balances on those cards of which you were unaware. 

Why Go This Route?

The biggest benefit here is the interest rate on that HELOC is going to be much lower than any credit card in existence. This is because you’re taking a sort of a second mortgage out on your home, so you’ll pay near home loan interest rates. 

As an example, credit card APRs (as of this writing) average 17 per cent. HELOC rates are currently averaging somewhere around six. You’ll save a lot of money paying off your cards this way. Plus, these savings will help you pay those debts off faster. 

OK, So What’s the Downside?

You could be setting yourself up for an even bigger debt load. 

Take a good look at what led you to need to do this to satisfy your creditors. Was it an unexpected emergency to which you needed to respond quickly? If so, you’re unlikely to see a recurrence of that situation. Get the HELOC, pay it back and you’ll be OK. 

On the other hand, if you just had to have those new Prada shoes, which of course meant you had to get that Prada suit, which of course meant you had to… 

See where this is going?

You should look for another form of credit card debt relief if spending profligately got you into this situation. That stack of credit cards with zero balances will tempt you into running them up again after you use a HELOC to pay off those accounts. However, this time you won’t have the HELOC upon which to fall back. And, you could lose your house if your bills are so high you can’t repay them and the HELOC. 

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