LPG certified provides a bespoke and professional service. Repair and certification for commercial, kitchen and mobile catering vans selling street food on London roads. We always make sure our clients comply with safety regulations. Our early service reminders offer peace of mind to our clients.

At LPG Certified, we specialise in LPG gas safety certificates for Mobile Catering Trailers , ,Catering Food Van, Street Food Gazebos , Caravans & Residential Park Homes , Boats, Domestic Commercial Buildings. Our LPG Gas Safe engineers are highly experienced and fully qualified to install , commission and certify LPG catering gas appliances & LPG Barbecue , LPG Patio Heaters , LPG Cabinet Heater ,LPG Space Heaters .

A LPG gas safety certificate is a legal requirement for Mobile Catering Food business . Ensuring LPG appliances are in good working order and safety to your in public places. Faulty installations present a real danger to life and property, so it is important professional checks are carried out at least once a year and LPG gas safety certifcate is obtained.

Our qualified gas safety engineers specialise in the servicing and repair of commercial boilers, mobile catering vans, and laundry equipment. We are also able to provide industry-accredited certification, such as the Landlord Gas Safety Certificate (CP12), Commercial Gas Certificate, Mobile Catering Certificate, LPG Gas Safety Certificate, and others.

Just some of the many customers we serve on a regular basis include landlords, commercial kitchens, mobile catering companies, educational institutions, housing associations, petrol stations, and many more. We provide a dedicated aftercare support service that is available all day, every day. Our expert staff are on hand to deal with faults, testing, arranging installations, or any other maintenance requirements. In addition, we provide a courtesy call alert service, enabling us to schedule maintenance and prolong the life of the equipment.

Really happy with the service provided very professional knowledgeable and very friendly and polite. minimal disruption very tidy workers fast and effiecient.Would recommend do not hesitate. nice warm house with an eco friendly boiler. Very efficient service could not fault, professional service and appreciate the guidance left on the gas certificate we were provided with. We are now one step closer to getting our mobile food catering business up and running. Thanks One Perfect Solution.

The requirement is vital to ensure the safety of tenants. Without a valid safety certificate, landlords are not only breaking the law, they are putting their tenants in extreme danger. Faulty gas appliances can result in danger to life and property, which is why qualified and experienced Gas Safe Engineers are crucial to ensuring both property and tenants remain protected.

We’ve got a range of cover options, from a standalone product to those that include cover for other areas of your home, to help keep your boiler and gas central heating working as they should be. A warm home and hot water are things you rely on every day, so we’ve added some extra features to the gas policies, we offer to make life a little bit easier if something goes wrong. Our Famous Breakdown Cover provides free Annual Boiler service, Landlord gas safety certificate (CP12) and callout 24/7. Landlords with multiple rented properties in their portfolio enjoy peace of mind while our dedicated team work hard.

NICEIC Approved Electrical Contractor – 3095615 GAS SAFE
Approved Gas Engineers – 527344 NCASS Approved Catering Engineers

One Perfect Solution limited is a prestigious maintenance engineer company serving London and surrounding counties for domestic and commercial landlords since 2010. Our professional Gas Safe engineers are fully trained to undertake the regular maintenance and repair of gas installations, both within commercial buildings and on mobile catering units. This includes the service and repair of commercial boilers, laundry equipment, and mobile gas appliances. Our services also include the issuing of gas safety certificates, such as the landlord gas safety certificate, commercial catering certificate, LPG gas safety certificate, and others.

Business Wesite : LPG Gas Safety Certificates London
Business Name : Lpg Certified
Business Address : 316A Ruislip Rd E, Greenford UB6 9BH, UK
Business Phone : +447724450054

Commercial plumbing company in Geelong? Have you ever cut all thread rod and found you couldn’t get a nut on the rod after the cut has been made? If you’re tired of having this happen to you, here’s a solution. Run a nut onto the rod before cutting it and then, once you’re done, just unscrew the nut and it’ll automatically rethread the cut end.

Open the cabinets that hide your pipes, like the cabinets under your sinks. This allows more heat to flow to them, which can prevent freezing. This is particularly helpful for cabinets and pipes along exterior walls.

Making sure your heating works properly is one of the first steps to take before the cold season starts. Sometimes, though, even though you check the system at the start of fall, accidents can happen and your heating system may stop working in the middle of the winter. Have you been stuck in a snow storm before without heating? It’s not a great place to be… Give us a call next time you have a heating emergency. Whether there’s a faulty connection or the heater has been burned out, our team of Geelong plumbers will fix it for you on the spot. See more information at Commercial Plumbing in Geelong, Victoria.

Don’t DIY big plumbing projects. We get it: Professional plumbers can be expensive, but that doesn’t mean you should tackle a big plumbing job on your own. An inexperienced DIYer can make huge mistakes like joining two different metal pipes together, over-tightening the connections or forgetting to turn off the water before starting a project. Before you embark on a misguided DIY project, get bids from a number of reputable plumbers, then hire one of them to help you solve your water woes.

Our team offers both underground plumbing services and ‘over-ground’ plumbing services, or plumbing services for your roof, gutter and blocked drains. As water-flow experts and plumbing expert technicians, we are trained to be able to do any job, whether the pipe is feet underground or feet above your roof. Our roofing plumbers will make sure water is following the right path down your roof and that gutters and drains are clear of debris to ensure proper drainage. Our team can also install and repair rainwaer tanks. An outdoor clogged drain or gutter can be as risky as an indoor one, and we’re set to prevent any floods or future damage to your home or garden. Find extra information on geelongplumb.com.au.

Usually the largest single cost factor is lighting. Obsolete light bulbs only use about ten percent of the electricity to make light. 90 percent are lost as heat. They produce heat rather than light, because they are based on a glowing filament made of tungsten. Modern LEDs use almost all of the electricity to make light. You can clearly notice this from the fact that they stay cool, i.e. there is much less loss. A good LED needs about a tenth of the electricity to produce the same amount of light. And because it does not heat up so much, it lasts much longer. And: The price of LEDs has come down so much, that exchanging them for regular light bulbs pays off within one or two years. The same is true for industrial lighting systems which often use mercury vapour lamps. These, too, use up a lot of electricity and can easily be replaced by LEDs. Read More

Accredited top quality TEFL courses in Madrid, Spain? Here is the complete TEFL guide, with all you need to know in single post. Teaching English really is a great and rewarding self development path! It offers many avenues to independence, visiting, exploration, and a fun lifestyle.

Common misconception: teaching English abroad is always with youngsters who have never studies English. False! While many positions are orientated towards children who are giving English their first-go, there are many opportunities teaching adolescents and adults that have intermediate and advanced levels. That being said, you should be prepared to take on any age and level of learner. Teaching advanced students tends to be a little more generous to your wallet, too.

TEFL Madrid Academy is a well equipped training center that is committed to the highest professional standards. We don’t simply offer an internationally recognized TEFL certification to our students but we also prepare them for a fulfilling career teaching English. TEFL Madrid Academy is strategically located in the heart of Madrid, Spain, with easy access to the major attractions such as the Prado Museum, Retiro Park, the Royal Palace and the city’s shopping and business areas. Well communicated and surrounded by the main businesses and large corporations, once you graduate you will be ready to teach. We welcome you to have a virtual tour of our facilities. Following the course, all graduates of our TEFL course will continue to have our full support and access to the facilities and teacher tools at the school. See more info on Tefl Abroad.

Teaching English abroad is reasonably well paid in most countries, and some Asian and Arab countries pay excellent teaching rates. Good English teachers earn enough to live well in the local culture and make trips on their days off to explore neighboring countries. For example, if you decide to spend 6 months in Prague, you get travel to Berlin, London, Paris, Vienna, Budapest, Krakow and other beautiful cities in less than 2 hours. Many of your students will see English as a means to improve their lives – to get a new or better job, to travel, to get to know new cultures, to meet new friends, to be able to talk to their kids’ friends… You will literally open the doors of the world to them.

As mentioned above, we are committed to setting up as many interviews as possible with agencies from all over Madrid; we work with over 300. Also, we always provide job counselling for teachers who have just finished the course and who wish to use their TEFL for finding a job in Spain; help with preparing CVs, interview workshops where we teach our students how to show their best qualities and achieve the best possible results in an interview. Regarding finding a job, TEFL Madrid location is one of the best, as Madrid is one of the cities with the most job opportunities in Spain. There are teaching posts available all year round, although they are slightly higher at the start of terms (summer months and February). The average wage for a teacher in Spain is approximately 1500€, although this will vary depending on the type of centre. However, your possibilities for teaching are not restricted to Spain. Once you have your TEFL certification, you will be able to travel to any country you like to teach English. As it is the language most spoken in the world, as a native language and also as a second language, you will be able to live almost anywhere in the world. Visit: https://tefl-madrid.com/.

Do you want to start a group home in Maryland? Here are some of the most major and common mistakes that must be avoided by all personal care business owners: This is the era of online marketing. Instagram, Facebook, and Twitter are the new marketers, to drawing customers and clients to your business. Make sure you, at least, have a website, wherein people can purchase directly from the online store. It is also important to make use of the latest technical software, like apps in order to make your business a popular household name. Remember to provide a link to your contact details and website address at every site you market your store in. Read More

The new legislation requires that all downloadable documents and forms published on existing public sector websites after 23 September 2018 must be made accessible by 23 September 2020. In addition, any such documents published on new public sector websites (those published after 23 September 2018) must be made accessible by 23 September 2019 (Article 12, paragraph 3). The new regulations build on rather than replace the existing relevant legislation, namely the Equality Act (2010) or the Disability Discrimination Act (1995) (DDA) in Northern Ireland. Among the 3 keys of SEO (accessibility, keyword optimization, clear navigation) accessibility plays a vital role because it transforms your content into indexable formats that Google will better reference. The more your content is numerous and relevant, the better your Search Engine Optimization will be.

The accessibility of PDF documents offers many advantages: A wider audience: a document made accessible to the disabled may be consulted by all, including people with visual impairments, without having to make any graphic and ergonomic concessions.

One of the best methods to determine which formats to provide is to contact a representative sample of customers who are blind or visually impaired. Consumer groups, like the American Council of the Blind, and other local organizations serving blind people, often provide suggestions directly, or they may guide you to individuals willing to give advice. In addition, if texts are being prepared for an activity that requires people to register, the registration process can be used to ask blind people about their format preferences. What follows is a discussion of some of the issues and information you will want to consider.

To help you comply with these regulations, we have developed an innovative technology solution: e-Accessible-PDF, which renders PDF documents “accessible”, at an ultra-competitive cost. Whether you are in the non-profit sector or the private sector, this solution allows you to expand your audiences and make them more inclusive for people with disabilities.

Numerous PDF documents circulate on the websites. As it stands, these documents are not available for all persons with visual impairments. Braille tracks or voice synthesizer, which these persons use to surf the Internet cannot interpret the particular coding of the PDF format. PDF accessibility is a digital treatment aimed precisely at tagging the document hence making it readable.

People with total visual impairment. Their visual acuity at five meters is less than 4/10th. They usually use voice screen readers, combined with a Braille display. According to WHO, about 1.3 billion people in the world, have some form of visual impairment. In Europe, the statistics show that almost 10% are affected. These figures include people with blindness, low vision, cognitive and motor impairments. The majority of these individuals are over 50 years old. With the growing and ageing of the population, coupled with a greater prevalence of neurodegenerative diseases (Alzheimer’s, Parkinson’s), the WHO estimates that the number of visually impaired is expected to double by 2050.

For many years we have developed and improved our accessibility and PDF tagging techniques and now have developed a proprietary solution to accelerate the production of Ultra Accessible PDFs. This allows us to produce on a fast turnaround and at competitive costs quality PDFs. We have customers around the world, public or private companies, and meet the international standards defined by the World Wide Web Consortium (W3C), such as ADA, Section 508, WCAG 2.0 AA, HHS and PDF / UA. We are able to produce various accessible documents such as PDF, documents from the Microsoft range (word, Excel, Power point) or Epubs. Read more info at Image retouching – e-accessiblepdf.com

Unfortunately, PDF, Word, Excel or PPT documents, which are widely integrated on websites, are rarely adapted to these tools. Our role is to render these documents accessible for processing by reading software so that they can be vocalized in the correct reading order. A blind or visually impaired person can use a “screen reader” to vocalize what is appearing on the screen. There are two main screen readers for desktop computers using Windows: JAWS and NVDA. In addition to reading the elements out loud present on the screen, these screen readers offer a wide range of keyboard shortcuts to navigate through the content with greater ease. Although not free, JAWS is the most popular and most commonly used because it is more advanced in terms of functionality and assistance.

The specificity of PDF is to preserve the layout of a document – fonts, images, graphic objects, etc. – as defined by its author, regardless of the software, operating system and computer used. Thus, the simplest pages (of text), just like complex pages (design combining text, graphic forms, photos, legends, tables, graphics, etc.) are converted into several “blocks” of images. ” These, even if they are text, are not formatted to be interpreted by the speech synthesis systems or the braille tracks, which are utilized by the visually impaired users.

One of the most important steps you can take to simplify the process of creating accessible documents is to make certain, during each phase of composition, that those who are developing the document use word processing software properly. Assuring that this happens may be difficult when several individuals work collaboratively on a project, so designating someone to review a document for inconsistencies could be helpful. Clearly, these concerns about correctly word-processed texts only apply to the creation of large print, braille, and electronic documents.

What are the benefits of the Accessible PDFs we produce ?

– PDFs that meet the following standards PDF / UA, ADA, Section 508, WCAG 2.0 AA, HHS…
– Documents validated through user tests
– Accessible PDFs directly utilisable
– Quick production turnaround
– A fast and customized service

For your users :

– More user-friendly navigation
– The ability to convert text to voice
– Reading on different media (tablets, mobile, screen magnifiers)
– Replacing mouse actions with keyboard combinations
– The possibility of searching in images
– A help to navigation

People who are blind or visually impaired use various assistive technologies to enable them to access printed texts. Assistive technologies can make text accessible, but they cannot render graphics or graphical images in meaningful ways without textual information or representations that web page designers or document producers must provide. Assistive For french guests read more info on https://e-accessiblepdf.com/index.php/un-balisage-numerique-permet-laccessibilite-des-pdf-e-accessiblepdf/.

Living in Denver, Houston, Indianapolis, Orlando, Charlotte or any other US town? Here are some tree trimming advices and we also reveal a recommandation on how to search the best tree services companies, to avoid home disasters and huge costs.

Safety tip : Protect your hands with leather lineman’s gloves. For electrical work, wear close-fitting, long sleeved clothing and a non-conductive hard hat. Tree trimming operations can expose your eyes to dust, wood particles, insects, and pine needles, so be sure to wear comfortable eye protection. When operating a trimmer or chainsaw, you’ll also need ear protection. Wear shoes with heel and slip-resistant soles. Use chaps and gauntlets during chainsaw operations. And don’t forget fall protection! But i think you are better hiring a professional tree service company.

Tree care advice : In this point topping means cutting off the great number of branches and leaving the stubs. This is an exceptional type of pruning that severely damages trees, making them weak to protect their self and fight with insects and disease. Trees shouldn’t be topped, and tree care companies that advise topping should be avoided. To control the height or spread of a tree near to your property, buildings or utility lines, get the help of a Consulting Arborist (American Society of Consulting Arborists) or ISA (International Society of Arboriculture) Certified Arborist in short simply contact The Real Pink Tree Service.

Tree advice : Staking is important for helping your tree grow correctly if it needs additional support. Don’t tie your tree too tightly to the stake as you may cause unnecessary bending. We recommend only staking trees for up to two years. Should you have any questions, feel free to call our expert arborists.

Tree trimming techniques : Always know that it is best to trim or prune a tree during its dormant season. You can prune a pine tree at any time, but it is still better to do so when it is dormant. Always look for the branch collar before making a cut. It grows from the stem tissue at the bottom base of the branch. Also look for the branch ridge. It is on the upper surface and is parallel to the branch angle at the stem. Always try to angle your cut down and away from the stem and always cut outside the brank bark ridge.

If you want to plant a tree in Orlando, be sure to reach out to an Orlando tree service company first. If you consult with an Orlando Arborist they will be able to advise you. In case you’re searching for little trees, think about the Redbud. In Central and North Florida, it puts on an astonishing demonstrate each spring with a lovely showcase of pink blossoms. The medium-to-extensive red maple introduces spring with red blooms and winged seeds. To the extent huge trees go, the uncovered cypress will do well close water or on drier land all through the state. The live oak is a superb local that can likewise be planted statewide. If your a homeowner you should consider hiring a local Orlando tree service company for your tree administration needs! When you contract a tree service in Orlando, it ought to be for the comfort and true serenity of your property and trees health. While you may jump at the chance to do yard work and chip away at your own trees, there are significantly more energizing things that you can do on your end of the week as opposed to pruning your trees and trusting that you do it right. Orlando tree service companies are experienced and have the tools and resources to get the job done right and safely. Find the best tree service companies in Orlando.

According to arborist Peter Rennie, “while most large tree companies have someone who can repair telephone or cable wires if they should get cut, no company will re-splice your electrical service cable. This is a direct feed from the utility company, and they need to come and shut down the cable at the transformer. This may entail taking out the power from your neighbors as well. Also, electrical service cables usually have wire rope wound around the cables, so if they do break, often there is damage at the masthead (where the cable attaches to the house), so an electrician needs to repair this as well.”

Tree removal and trimming are complicated operations that require trained professionals and highly specialized equipment. We advice against undertaking this tasks trying to avoid paying the costs required to hire a specialized arborist. But you can educate yourself and make the best decisions for your courtyard or garden. A tip : Most people hire a tree service if a tree looks sick, needs to be removed, needs trimming, or they want to plant a new one. Tree companies are hired for their convenience and experience, and in some cases they might be necessary (like storm damage). Working with trees takes time, certain equipment, and the experience to avoid injuring people or property.

Peter Brown plumbing & heating Co announces new plumbing services offer in Harrow, London. Here are several home heating, plumbing and energy saving advices from Peter Brown, a proud to be a well respected, reliable and family run plumbing, boiler and central heating expert in Harrow offering fantastic levels of service.

If you are looking for a reliable and trusted boiler servicing expert in Harrow with competitive prices, then our experienced Gas Safe Registered engineers can help. Harrow boiler service engineers available for appointments With the cost of gas rising all the time and with winters getting colder, keeping your boiler operating at peak efficiency is more important than ever. Peter Brown offers an annual boiler servicing appointment for homeowners and landlords keen to ensure that their domestic boilers are operating exactly as they should be. For more information about our Harrow boiler service team, please call 020 8863 1155. Your boiler keeps your home warm and your water hot. If you’ve ever lived somewhere where the boiler has broken, you’ll understand just how disruptive it is to a home and a family. If your boiler is working too hard, you’ll see the difference with significantly increased gas bills. Your radiators won’t be as warm as they should be and your water will never hit that temperature sweet spot you want for having a bath or doing the dishes. There’s also a big health and safety issue too with the potential for real dangers like poisonous carbon monoxide leaks that could occur. As the gas is colourless and scentless, it’s hard to tell if this is even an issue, and hence why you should get your boiler serviced at least once a year for an annual service. Landlords by law must also have a gas safety check carried out every 12 months. Discover additional details at https://www.peterbrown.net/boiler-service-harrow.html.

Cover bare floorboards. Floors account for as much as 10% of heat loss if they’re not insulated, according to the National Energy Foundation (NEF). Carpets came into being for a reason, says Potter. Those with wooden flooring have to deal with heat loss. Rugs and blankets can help mitigate this and have the added bonus of keeping your feet warm. “Sometimes it’s just the psychological element,” says Potter. But if there are cracks or gaps in the flooring it’s a good idea to squirt some filler into them, advises the NEF. “Floorboards and skirting boards can contract, expand or move slightly with everyday use, so you should use a filler that can tolerate movement,” suggests the NEF. These are usually silicone-based.

Draught proof your home: Energy Saving Trust research has found that 46% of people still need to draught-proof their windows and doors. Cost: A good DIY draught-proofing job could costs between £85 and £275 for materials and professional installation for your whole house. Saving: Draught-proofing windows and doors can make your home a more comfortable place to live and could save you £20 a year on heating bills.

Our smart thermostat installation teams help you get better value and results from your central heating system: With energy bills always on the rise and seemingly colder winters in recent years than in the past, many homeowners are resigned to the cost of their heating and hot water rising every single year. However, with a smart thermostat from Peter Brown, it doesn’t have to be this way. A smart thermostat is the next generation of central heating and hot water control for UK homes. Offering far greater and more precise control than a standard thermostat, you can also keep a running tally on your energy use. A smart thermostat offers you more flexibility in getting the most from your central heating system than ever before. Here at Peter Brown, our smart thermostat installation teams are installing new systems daily across Harrow, London, and the South East. Read more about the five market-leading choices available through us below. Discover additional details on https://www.peterbrown.net/smart-thermostat-installation-harrow.html.

Here’s how to keep your house warm with some easy foil insulation. Cover a thin sheet of card with tinfoil and place it behind your radiators (if you’re feeling particularly crafty you can make it T-shaped so it sits on your radiator brackets). It’ll reflect the heat back into your rooms, meaning they warm up faster and retain more heat. If DIY isn’t your thing, you can also buy ready made foil insulation.

Protecting the nature is a very important subject in 2019. At CM we know it takes more than just building the best equipment. We work one on one with every customer to develop and create solid working solutions that will best serve their volume and markets. As a team, we provide industry education, technical and engineering support, networking avenues and straight up honest answers to all your questions to be sure that the equipment fits the job and supports your business model to achieve the highest production and lowest cost for maximum profits. Read More

Deciding on the most beneficial tax payment strategy can quickly get very complicated. Especially if you have fluctuating income or income from several different sources. It does not simplify the matter that the rules and legislation regarding tax payment changes so frequently. So between changes in tax law and in your financial situation, you should consider to have your tax planning strategies checked up frequently. Looking up a Tax advisor in London, isn’t hard. But how do you choose the right one for you? A good tax advisor in the UK is someone who will sit down with you to understand your situation. And then based on that can help you figure out how much the current tax laws allow you to save on you tax payments. Read More

If you are looking at multiple offers for the lowest mortgage rate, Here is what you need to know: Use the same rate for all lenders you are comparing.If you are comparing a 4.5% at Lender A, then make sure you are comparing at 4.5% and Lender B and C, then it’s a simple as using D minus J.and finding who is offering the best terms at that given rate.

Mortgage terms : Closed mortgage – A mortgage that cannot be repaid or prepaid, renegotiated or refinanced prior to maturity, unless stated in the agreed upon terms. Closing costs – Costs that are in addition to the purchase price of a property and which must be paid on the closing date. Examples include legal fees, land transfer taxes, and disbursements. Debt service ratio – The percentage of the borrower’s income used for monthly payments of principal, interest, taxes, heating costs, condo fees (if applicable) and debts. GDS is gross debt service – how much you spend on Principal, Interest, Taxes and Heating. TDS is total debt service – GDS plus all other debt payment obligations. Default – A homeowner is ‘in default’ when he or she breaks the terms of a mortgage agreement, usually by not making required mortgage payments or by not making payments on time. Down payment – The money that you pay up-front for a house. Down payments typically range from 5%-20% of the total value of the home, but can be anything above 5%, if you qualify. Early Discharge Penalty – A penalty you may pay your lending institution for breaking the mortgage contract early. This is usually 3 months interest or the Interest Rate Differential (IRD), whichever is larger. See below for IRD.

Being careful with your money is extremely important. Here are a few advices regarding finance terms. Business credit cards are designed specifically for business use. They provide business owners with an easy method of keeping business and personal transactions separate. There are standard business credit and charge cards available. Even for a business credit card, your personal credit history is considered because the credit card issuer still needs to hold an individual accountable for the credit card balance.

Payday Loan Interest: Payday lenders charge borrowers extremely high levels of interest that can range up to 500% in annual percentage yield (APR). Most states have usury laws that limit interest charges to less than approximately 35%; however, payday lenders fall under exemptions that allow for their high interest. Since these loans qualify for many state lending loopholes, borrowers should beware. Regulations on these loans are governed by the individual states, with some states even outlawing payday loans of any kind. In California, for example, a payday lender can charge a 14-day APR of 459% for a $100 loan. Finance charges on these loans are also a significant factor for borrowers as the fees can range up to approximately $18 per $100 of loan. More financial calculators at Mortgage refinance.

Terms: A guaranteed loan is a loan that a third party guarantees, or assumes the debt obligation for, in the event that the borrower defaults. Guaranteed mortgages, federal student loans and payday loans are all examples of guaranteed loans.

Guarantee : A guarantee is a non-cancellable indemnity bond, backed by an insurer. It offers investors security that an investment will be repaid. A limited guarantee is when the amount the guarantor is responsible for is limited to a set sum or time frame. A non limited guarantee is when the guarantor is obligated to repay all amounts due. More financial info on Mortgage amortization.

GAAP: As a new investor, it’s important to know the distinction between like measurements because the market allows firms to advertise their numbers in ways not otherwise regulated. For instance, often companies will publicize their numbers using either GAAP or non-GAAP measures. GAAP, or Generally Accepted Accounting Principles, outlines rules and conventions for reporting financial information. It is a means to standardize financial statements and ensure consistency in reporting. When a company publicizes its earnings and includes non-GAAP figures, it means they want to provide investors with an arguably more accurate depiction of the company’s health, like removing one-time items to smooth out earnings. However, the further away a company deviates from GAAP standards, the more room is allocated for some creative accounting and manipulation (like in the case of EBITDA). When looking at a company publishing non-GAAP numbers, new investors should be careful of these pro-forma statements, as they may differ greatly from what GAAP deems acceptable.

Interest Rate Differential – A way lenders calculate the penalty for discharging a mortgage before the end of a closed mortgage contract. The difference between the interest that the financial institution will make if you continued your mortgage to the end of the contract and what they will make by loaning it to someone else at the current interest rate. More on Mortgage affordability calculator. Home Equity Line of Credit – A loan that is secured against your house, like your mortgage, but you obtain a maximum amount that you may borrow but only borrow in the amounts that are needed. You only make payments, minimum is interest only, on what you have borrowed at any given time.