Paying credit card interest on a huge amount of debt is the last thing you want to deal with at the end of the month. Although credit cards allow you to buy products and pay for services at a future date, the privilege does not come cheap. Often, it happens that you might get carried away and shop for more than what you can afford, ending up in a huge debt trap. The debt has to be paid back within a stipulated time with interest. Failure to do so will affect your credit score and rating that will further affect your ability to borrow funds. A balance transfer is the only option at such a stage. You can convert your debt from a high-interest credit card to one that has no or minimum interest allowing you both time and opportunity to pay off debts at a future date. Three key benefits of a balance transfer include a lower rate of interest, better credit terms, and efficient debt consolidation in the short term. However, you must also take into account the downside of a balance transfer as the temptation to consolidate debt time and time will spiral you into financial turmoil in future. A balance transfer is not always the cheapest option and you must keep an open mind to consider alternatives like borrowing from friends and family to pay off debt. The best balance transfer credit cards to consolidate debt are issued only if you have a high credit score and a favorable rating. Your current credit score reflects your ability to pay off debts on time with all interest and dues. If you are still keen on option for the best credit cards that transfer the balance of the debt, here are a few popular choices. Citi^® Diamond Preferred^® Card One of the best credit cards that transfer the balance of debt for a favorable period of 21 months at 0% APR. You will also enjoy 0% interest on purchases for the first 12 months. A variable APR will be applicable thereafter that ranges from 14.74% and 24.74% depending on your creditworthiness. There is no annual fee for the credit card but you will have to pay 5% balance transfer fee for each transaction with a $5 minimum mandatory. Discover it^®  Balance Transfer Credit Card An attractive 0% intro APR for a period of 18 months makes Discover it^®one of the best credit cards that transfer the balance of debt to consolidate your finances. An ongoing variable APR will be applicable in the range of 13.74% and 24.74% on purchase and all debt. Discover It charges a meager 3% fee for every balance transfer and there are no annual fees for the credit card. Blue Cash Preferred^® Card American Express comes to your rescue with the Blue Cash Preferred^® Card, another option for a balance transfer. Note that in comparison to some of the best credit cards that transfer the balance of your debt for more than 18 months, Blue Cash gives you only 12 months. Blue Cash Preferred^® Card entails a variable APR in the range of 14.74% and 25.74% after the introductory period is over. Moreover, a 3% balance transfer fee is applicable to the transaction with a minimum $5 mandatory. One of the major drawbacks of Blue Cash Preferred^® Card is a hefty $95 annual fee. BankAmericard® Credit Card An affordable alternative as BankAmericard® has low upfront costs in comparison to some of the best credit cards that transfer the balance to consolidate your financials. The introductory 0% balance transfer is applicable only for the first 15 billing cycles thereafter which a variable APR in the range of 14.74% and 24.74% is applicable on the amount. The balance transfer fee on an individual transaction is 3% of the amount with a minimum $10 mandatory, whichever is greater. You don’t have to pay any annual fees for the credit card.

As it has been seen over the years, the sawmill industry has been suffering from poor health and safety conditions, it is high time for the employers and employees to take proper safety measures. The rate of fatal accidents is seen to be four times higher than the other industries. This had led to the identity of the industry as a high-risk sector across the globe. What are the general hazards of using saws? It is found that the dangers related to the saws are seen on a large scale and only a few of them are mentioned here:

• Production of the high noise level.
• Accidents incur due to the trapping of the fixed machine bed and traveling table.
• Struck by the log positioned on the table or traveling table.
• Mix-up with the gripping equipment.
• Physical contact with the portable sawmills which is in motion.

Is training effective? If you are using any model of the Big Creek, Godwin, Harrigan Lumber Company, New England Forest Products Inc., or Ochoco Lumber Company, you need to be trained properly. Lack of training has proved several untimely deaths of the employees. In addition to the context, the formal training for the employees can manage the health and safety issues efficiently.

• While training the employees, the employers must consider that the lack of experience in the workplace must be eliminated. The employees must be skilled in handling the complicated machinery.
• In the training sessions, the understanding of the safe system of tasks must be understood by every trainee.
• The training can assess the competence of the users to ensure who is efficient enough to operate the machinery.
• Employees who are certified should only go for the sawmilling work as the organization then can have a detailed information of which employees are trained with the portable sawmill.

Turn off the machine The portable sawmills seem to produce a high-level noise which can be menacing for the human health. Moreover, when the machine is running, people are susceptible to get affected by it. Carelessness or absent-mindedness can place any person straight in the hospital. In addition to the context, at the time of repairing or doing routine maintenance, the machine should be shut down to minimize the risk factors. Portable chainsaws For trimming separate logs before sending them into processing, the portable chainsaws play a huge role. However, the risk factors associated with the portable chainsaws cannot be discarded as anyone who is not familiar with the functioning of the sawmill may end up injuring himself severely. Without proper assistance, no employee should handle the device. When you are running a risk assessment for this kind of machine, you should keep in mind:

• Whether there is sufficient first-aid available.
• Proper maintenance of the chainsaw.
• Check if the employees are competent and trained to work with the device.
• Select the portable chainsaw with which the employees are comfortable in working.
• Do not keep the chainsaw near young people or children.

Use of proper transportation Thousands of accidents take place each year on the highways due to the fall of the devices on the road. People get knocked down or the cars get crushed by it or run over by sawmills. Even at the time of unloading and loading, accidents can take place.

• The companies must pay heed to the transportation of the device into places. Additionally, they can take serious steps regarding reducing the risks of accidents taking place at the time of reversing and maneuvering.
• The employers must also make sure that the drivers are well-trained in carrying such dangerous tools.
• Keeping track of traffic movement of the route that is used for the delivering or transportation of the device.
• With the help of the health and safety authority, the companies come up with effective procedures for minimizing the interaction between the pedestrians and motor vehicles carrying sawmills.

If you are one of those people who plan well in advance, while you are young and able to save money, or prefer to wait till closer to your retirement, to consider hiring the professional services of an investment advisor, whatever the case may be, here are quick tips for you. To get expert advice regarding your savings and recommendations for receiving a steady flow of income even post retirement, from your investments, choose your investment advisor wisely. Ask a lot of questions. It is important you have abundant knowledge about the investment advisor because you are going to trust him with your hard earned money. What school did he go to and what are his qualifications? Does he have a registered practice? What has been his employment history? How many years experience does he have in this field? What is the demographics of his clientele? What services does he offer? How does he want to be compensated for his guidance? Will his investment advice be a one time deal or will he be open to a long term association? Enquire in detail about the necessary qualification he has to have to be an investment advisor, the QCF Level 4 and also about additional assessments he has taken, like for pension transfers and equity release. Is he a restricted or independent investment advisor? That is, would he be able to offer a broad range of investment products and give you unbiased, impartial and open minded advice based on an exhaustive and honest analysis of the financial/economic markets? Is he able to understand your financial goals and give a solid plan for your monies that you approve of? That he mentions explicitly, his charges in respect to the services you engage him for, is a prerequisite for any investment advisor. Money does not grow on trees for anyone. Including you. The person you are going to hand over custody of your funds, for multiplying and saving for your future needs, must be principled and trustworthy. So select your investment advisor intelligently.

With so many different types of decorative lights in the market, it is easy to get confused about what and how to use one that works best for your home interior needs. Decorative lights can be both beautiful and functional, but they require careful selection to work wonderfully for any indoor space. Here is a lowdown on different types of general decorative lights and how to use them in your home. Task lighting: Task lights target areas that you need for specific activities like cooking, sewing, and reading. The main purpose of task lighting is to provide glare-free visual clarity. It must aid in your task and not impede it. You may need task lights near your kitchen island, in your bathroom or dressing room, by your desk, in your kid's room, or a reading corner. Task lights always work best with additional sources of lights in a room. For instance, a small table lamp can aid your writing or reading work when you already have general lighting in the room. For your rooms, you can use floor or table lamps as task lights. Lamps can be used anywhere as task lights. These decorative lights serve a practical purpose and also add to your home decor. In the kitchen or bathroom, a pendant light can aid in your tasks. Under-cabinet lights are also excellent decorative lights for the kitchen that provide perfect brightness for your kitchen chores. Vanity lights are perfect for your bathroom and dressing area. Ambient lighting: Any light fixture that provides an indoor space with illumination in a comfortable manner is ambient lighting. Ambient decorative light can be chandeliers, wall scones, or any recessed lighting. Ambient lighting works best when it is as close to natural light as possible, but it is not bright enough to help with tasks. If you have a high ceiling, you can use pendant lights for the perfect ambient light. Track lights can also be used to create a softer ambient look and can work in spaces with low ceilings. Fluorescent tubes can serve as an ambient light in a small room or closed-off space while a chandelier with dimmers is perfect for the dining area. Accent lighting: Accent lighting fixtures are decorative lights that bring focus to a certain design element in a room. With accent lights, you can highlight an interesting looking piece of furniture, wall art, books, or any design element. With the use of accent lights, you can create a specific atmosphere in your home space. It also lends sophistication to any indoor area. A small bulb or a big halogen light can also be used as accent lights. Picture lights or track lights are other examples. Table lamps that have opaque shades can be used to accent wall or room features. Landscape lighting and any kind of spotlight in your home interior or exterior are also accent lights.

If you require a budget-friendly smartphone, you need to consider some important aspects. If you are not budget conscious, you can go for the most expensive products available in the market. Everybody cannot afford to go in that direction, and a lot of people are searching for affordable smartphones available in the market.

• Select budget-friendly new smartphones instead of used ones Several people go for used versions when they want to buy a phone with a tight budget. This decision may backfire if you end up purchasing a damaged device. You can find a lot of used smartphones, but many of them might not be in good working condition. Buying a used phone can always be tricky, and if you do not have any experience, you may end up making some foolish decisions. This problem can be avoided if you choose new budget-friendly devices like Coolpad mobiles.
• Go online to buy a smartphone that meets your budget The internet always helps you collect information about budget-friendly mobiles. You can find a lot of online stores that sell such devices and offer various discounts to provide maximum benefits for their customers. You can compare the phones with the help of smartphone comparison websites. These types of sites analyze the functions and features of various affordable smartphones available in the market, and they always guide the consumer in the right direction to make an informed decision.
• Analyze the shortlisted products Selecting one that fits your needs is a difficult task because of the abundance of products available in the market. After having gone through a few product comparison sites, you must prepare a list of 3 or 4 smartphones that go well with your preferences and budget. You must analyze the features of the shortlisted devices very closely once again, and price comparison must be done to find the best device for your requirements.

Many people believe that all affordable smartphones offer the same features. It is a false perception, and every manufacturer has its own merits and demerits. Your responsibility is to find a device that offers a perfect blend of quality and affordability. The product you need to choose must be affordable, but it should be equipped with the best features. Once you get to know about the features and prices of shortlisted products, you can pick one that goes in complete harmony with your needs. Manufacturers such as Coolpad mobiles have come up with high-quality products that offer highly superior features, and you can consider purchasing these types of devices. Most online reviews reassert this conclusion without an iota of doubt.

Prepaid wireless services are a better option to avail in comparison to postpaid plans that feature a binding contract. While comparing providers, you must look for wireless services that offer low-cost plans, no credit checks, no binding contracts, and most importantly better flexibility when it comes to choosing a plan. Factors to consider while choosing prepaid wireless services

• Ascertain your monthly budget and find out how much can you afford to pay for unlimited cellular services.
• The three main services you will pay for include Internet data, calling, and texting services.
• Prioritize your needs and find out the service you will use more.
• You must keep in mind that smaller and local network carriers will provide cheaper services.
• Avail the autopay option as most network carriers will offer discounts for customers who enroll for autopay.

Best buy offers cell phone plans with no contracts at attractive rates across popular carriers. You can compare smartphones and prepaid mobile plans across the following wireless networks. Boost Mobile One of the featured best buy cell phone plans with a no-contract option is sponsored by Boost Mobile, a popular prepaid service in the country. You have the option to browse and choose from some of the best mobile brands including Apple, Samsung, LG, and Motorola. The basic plan of the wireless service will cost you around $35/month for unlimited data, talk, and text plans with a high-speed data cap of 3GB. Other plans include unlimited services at around $50 for single users and approximately $100 for multiple users with a limit of three for the family plan. Apart from unlimited data, you also enjoy international calling services. Boost mobile also has an impressive network coverage in the market. Virgin mobile Best buy features cell phone plans with a no-contract option for Virgin Mobile. The wireless service has an impressive nationwide network and provides support for popular smartphone brands. You can compare and purchase smartphones priced in the range of $59.99 and $699.99 depending on the smartphone brand. Basic smartphone plans are available at a monthly rental of $35/month subject to a data cap of 5GB. Virgin mobile is currently offering its popular $50/month unlimited data, talk, and text plan at just around $1 for a six months promotional period. Additional benefits of the plan include certain member perks like buy one get one movie tickets, airfare discounts, and reduced prices for popular merchandise brands. AT&T The company offers popular plans for individual and family users. Best buy features cell phone plans with a no-contract option for AT&T wireless services that start at around $50/month for unlimited text, talk, and data. You can avail the basic 3GB data cap pay as you go unlimited plan for $45/month. Best phone buying options include brands like Apple, Samsung, LG, Alcatel, And ZTE smartphones with prices starting at under $30 for the basic models. AT&T plans feature an autopay option for most of its prepaid services. You can also enjoy discounts for multiple lines of the service. Cricket Wireless Best buy cell phones plans with no contract offered by Cricket Wireless includes the basic unlimited plan starting at around $30 with a 2GB data cap limit. Best buy offers basic models of ZTE, Cricket, and Coolpad smartphones for under $50. In comparison to popular services like AT&T, Virgin Mobile, and Boost, the service offers a pretty basic prepaid connection with no binding contract. Verizon mobile Verizon Wireless offers unlimited and pay-as-you-go plans starting at just under $30/month for unlimited talk, text, and data. Although the data cap limit is set at just 500MB, Verizon still ranks among popular wireless services in the country. Other popular best buy cell phones plans with no contract starting at $75 for 4G enabled smartphones. FreedomPop, Mint Mobile, H2O Wireless, Tello, and SIMPLE Mobile offer prepaid wireless service with varying data policies for limited and unlimited usage plans starting at just under $5/month going upwards of $45/month accordingly.