By Kerd Viyu

There are many reasons you may want the services of an electrician for your house. It may be that you want to create a new room and you want the wiring of that room to be prepared as one of the first activities you want to undertake. Another reason you may want the help of an electrician is when you want to renovate a room that is already being used and you want to change its purpose, for example, change an extra bedroom into a music studio.This will mean that the wiring of that room will have to be redone so that the premises serves the purpose that you intend it to serve. Repairing a present wiring system of a room is also a situation where you will need a professional electrician.When one of the sockets in a certain room is not working or a certain switch has become very dangerous, you will have to get the whole system evaluated. Hiring a qualified and well organized electrician is one of the best solutions you can taketo solve the difficult and complicated issues in your house. Hiring an electrician can also help you save the money you might have used trying to fix the damages you would have made if you opted to do the wiring yourself. Here are some tips to get the right electrician for you:

  • Make sure the electrician is qualified and has a license.There are many people out there who may want to extort money from you by approaching you with the title of a professional electrician. One of the very first things you should investigate about an electrician is whether the individual is licensed under the local authorities, with an up-to- date license. Most electricians that work with organizations like are very legitimate. This will give you some assurance that the individual must have gone through some evaluation by the local authorities to validate that the services being offered will be up to standard. Another major thing is that you should ensure that the electrician is insured with the right insurance cover for the job, so just in case there happens to be an unfortunate incident, you will not have to bear with the damages.
  • Have an understanding on the amount of payment and completion time. You should ask the time schedule from the electrician so that you are able to work accordingly around the time given by the individual in a way that will not interrupt you or anyone else living in that house. Ensure that the price list includes the details of what exactly you are paying for like the labor that was undertaken and the prices of the materials that were used. It will be beneficial to you if you keep the first payment low and that the work schedule and the completion time actually reconcile.


Kerd Viyu has a masters degree in electrical engineering. He has worked for several oil and gas power plants. He currently owns a company that provides electricians to clients in his hometown who need help with electrical issues. He is also partnered with

By David Howtzer

2016-06-14_1452Life always seems to be getting busier, and as a result many people feel they simply don’t have time to mess with market investments. Particularly among young people, this is commonly cited as one reason to avoid investments. An analysis by LinkedIn of some of the reasons young people don’t invest noted that many just don’t think they have time. The article went on to say that there’s no denying a time investment is required. However, it also notes that you can get professionals to help you with investments, and that concept is what we’re going to expand on here.

The analysis by LinkedIn is absolutely correct that any sort of investment requires at least some time commitment, unless you happen to be very wealthy and very careless. In that situation, you could conceivably hurl funds at a professional portfolio manager and leave it entirely up to him or her to manage your account. Generally speaking, though, you’ll need to make some effort if you’re going to invest your money. But that doesn’t mean there aren’t some methods that allow you to be more passive than others, by putting trust in professionals, or even programs.

The first thing that comes to mind in this regard is mutual funds, and those are certainly worth considering for people who want to invest but have concerns about the time requirements (or, perhaps, the skill requirements as well!). There’s a lot to know about mutual funds before you actually dive in, but one of the advantages that’s often pointed out is that mutual funds are managed by professional investors. This means that once you buy into the fund, you’re essentially done with the day-to-day decision making. Now, if you’re going to be strategic about things, you’ll still be keeping an eye on the portfolio’s performance and making wise decisions about when to add more money (or withdraw your investment). But for the most part, a mutual fund can grow your investment while allowing you to remain passive. There are some disadvantages—fees for the fund manager and a lack of direct control—but it’s appealing for a
certain type of investor.

Thanks to modern technology, a mutual fund is no longer the only method of (relatively) passive investment that may appeal to a busy person who wants to be strategic financially. There are now mobile apps that use very intelligent programs to invest users’ funds in a manner that requires minimal effort. For instance, one popular app actually invests your spare change by connecting to your payment methods and rounding up when you spend money. So, for instance, if you buy a drink for $2.75, the extra quarter that would round it up to the nearest dollar might be dropped into your portfolio, which is automatically diversified across a huge range of popular assets. Other than signing up, answering questions to determine your risk-averseness, and spending money, you really don’t have to make any effort—your spare change is invested for you.

If that sounds almost too passive, there are apps that offer a compromise, allowing users to control their own portfolios without the hassle and fees of the stock market. The leading app performing these services, appropriately called Robinhood, even allows its users to build personalized stock watch lists and automate the trading process through stop loss and stop limit settings. Apps like this still require hands-on investing, unlike mutual funds or the spare change concept, but they’re so accessible and, compared to dealing with brokers, simple that they, too, can feel more passive.

Ultimately, the LinkedIn analysis has it right: Some time is required in pretty much any investment situation. But if you’re holding back on growing your finances simply because you don’t think you have time to go about it, it may help to know that some of these methods are out there.

By Chris Ebert

The S&P 500 Temperature is a measure of the point level of the S&P 500 with regard to the level at which Covered Calls opened at-the-money 4-months earlier on $SPX (or $SPY) would break even. For example, if one opened a Covered Call using an at-the-money strike price back in February using an early-June expiration, the S&P would now be some 300+ points above the point at which this week’s expiring June Covered Call would break even. And while it’s not a perfect indicator by any means, it does tell a story.

There have been very few times historically over the past 20 years when the S&P has risen so high over the break-even point. Below is a chart of the past 10-year history of the S&P 500 Temperature, which shows just how rare it is to reach a Temperature of 300.

Given the sparse historical data, the implications of the S&P being so high above the break-even point are debatable. It could mean the S&P is overheating and is getting ready to pull back a bit. It could also mean that traders are now so confident that nothing will stop them from driving the S&P higher, not bad economic news, not poor employment numbers, not natural disasters or even wars. It’s not uncharted territory, per se – the S&P has been at these levels before – but the data is not sufficient for back-testing hypotheses as to the possible outcomes.

Points Above Bear June 2016

* Option strategies referenced above are analyzed for profit or loss on expiration day only and are opened using an at-the-money strike price, 4-months to expiration, using options traded on a broad-based ETF such as $SPY (NYSEARCA:SPY)

The preceding is a post by Christopher Ebert, Chief Options Strategist at Astrology Traders (which offers subscribers unique stock-trading perspectives and options education) and co-author of the popular option trading book “Show Me Your Options! Chris uses his engineering background to mix and match options as a means of preserving portfolio wealth while outpacing inflation. Questions about constructing a specific option trade, or option trading in general, may be entered in the comment section below, or emailed to


Related Options Posts:

Thursday Evening Options Brief 25-Feb-2016

Thursday Evening Options Brief 18-Feb-2016

Historical Bear-Market Option Performance

By Denzin Degar

When you have a website or blog, you want to utilize its space for displaying ads to earn money and similarly, advertisers continuously search for websites where their ads will be viewed by maximum number of people. AdSense by Google is the perfect platform to bridge this gap between website/blog owners and web marketers. Google AdSense is hugely popular among the web marketers and can help you earn thousands of dollars every month if your site attracts web traffic on a regular basis. The more visitors click on the ads, the more money you can make.

What Is Page-Level Ad?

Recently, Google introduced the next generation of AdSense ads called the “Page-Level Ads”. Page-Level ad is a family of ad formats that gives you a new and unique way to  earn from your mobile content. These ads are specifically designed for mobile web pages and right now there are two ad formats- anchor and vignette ad formats. Google indicated that more ad formats will be introduced very soon.

How Does It Work?

Thanks to the Page-Level ads, now you can put the identical ad code on all the web pages where you want to display ads and the great news is they are crafted in such a way that ensures right ads are displayed at the right time and in the right format. Thus, the user experience does not get affected and you get far better chance of generating revenue.

What Are the Advantages?

? Ads are perfectly optimized. Therefore, they pop up only when the time is right and thus the viewers don’t get irritated.

? The set-up process is hassle free. You need to paste the code just once on each webpage where you would like to place the ads. (more…)