Finding Unclaimed Money – Sydney – Melbourne – Brisbane – Perth – Darwin – Adelaide – Hobart

Finding Unclaimed Australian Money is What We Do Best

Imagine finding hundreds, thousands, or even tens of thousands of dollars in cash that you never knew you had… Unclaimed Funds Recovery Services is a  privately owned, licensed, reputable and highly skilled Recovery Agency  specializing in finding Australian unclaimed money.


Contact us to for help finding unclaimed Australian money!

“Unclaimed funds” laws are inconsistent across Australian states. Furthermore, acts in each state may be pre-empted by numerous others. This is where our extensive skill and expertise in finding unclaimed money becomes crucial. We possess the necessary knowledge to find un-recovered Australian money quickly and efficiently.

Accessing Various Institutions for Unclaimed Australian Money…

We specialise in finding un-recovered money for Australians who have either lost track of their accounts, relocated or died. Our knowledge and technological expertise allows us to find un-recovered Australian money held by:

  • Financial Institutions 
    This includes unclaimed Australian money from banks, credit unions, building societies, insurance companies, and friendly societies. If your account has not been accessed for over 7 years, your funds may have been transferred from one of these institutions to the Commonwealth Government. We can help you find unclaimed Australian money being held by financial institutions and the Commonwealth Government.

Contact us to find unclaimed Australian money held by financial institutions!

  • Companies 
    We can help you in finding unclaimed money from companies. This money comes from shares that may have been acquired in a company takeover.

Contact us to find unclaimed Australian money from companies!

Government Agencies 
Australian Commonwealth and state governments hold unclaimed money transferred from financial institutions, superannuation funds, retirement savings account providers, unclaimed salaries and wages and monies owed by legal practitioners and real estate agents.

Why Unclaimed Funds Recovery Services?

 

 It is clear that the amount of monies held as unclaimed by various institutions run in to several billions of dollars and is ever increasing. Despite various efforts the percentage of monies successfully claimed by the rightful owners is said to be less than 2% before absorbing to government coffers as unclaimed.

The fact that these monies are kept under the custody of different departments governed by non uniform state regulations and the fact that these funds are subjected to sector specific legislations make the process of claiming such monies rather complex and time consuming and is best left to the Experts.

The primary objective of Unclaimed Funds Recovery Services is to eliminate these complexities and to put money into the hands of the rightful owner. With our extensive training and we are better placed to be successful.

Imagine finding hundreds, thousands, or even ten of thousands of dollars in cash that you never knew you had!

Unlike other companies who charge between 20 and 35 % we charge you only 15% recovery fee plus fees charged by the Authorities where the funds are kept. We will let you know exactly how much these fees are before you commit using our service.

The processing fees are to be paid from the clients total unclaimed money claim. No recovered funds, No charge. This means you have Nothing to Lose & Everything to Gain! Remember: Your gain is our Business!

Our staff does all the administration, investigation and completion of due diligence and the official lodgement – we ensure that you or your organisation is refunded as quickly as possible despite a  complex process at times and we keep you informed of the prograss on a regular basis.


HOW MONEY IS LEFT UNCLAIMED

A Company or person due to death, liquidation, forgetfulness or neglect will leave money in an institution whether it is a Bank, Insurance Company or Government Office etc.  A letter or cheque will be sent to the rightful owner at  their last known address.  If this letter is lost in the mail or does not reach you for what ever reason, your money is transferred  into a trust account, where it remains until claimed by its rightful owner- if this does not occur within a certain time frame, that money gets absorbed into government coffers. It becomes government funds & you then have NIL chance of ever recovering it!

 What’s disturbing is the fact that only 2% of rightful owners claim their money. 98% are simply not aware of their entitlement, this is where Unclaimed Funds Recovery Services undertakes the vital role of making individuals & businesses aware that they are entitled to that money & assisting them in its recovery.

Unclaimed Funds Recovery Services specialize in recovering unclaimed funds & returning it to its rightful owners. At  Unclaimed Funds Recovery Services we are seriously committed to putting money BACK into the pockets of fellow Australians.

Unclaimed Funds Recovery Services charges NO upfront fees or costs that’s Nil cost! A standard fee of usually 15% is only charged when we recover your money. No recovered funds, No charge. This means you have nothing to lose & Everything to Win!  Our staff have to do all the running around ensuring that you have a water tight claim & that your cheque is processed as quickly as possible because that’s the only way We can get paidRemember: Your Gain is our Business!

16 Simple, Everyday Ways to Save Money

 Here are 16 of the simple, everyday changes that have worked for us.

1. Use a coupon, absolutely whenever possible. I was really surprised by how many money-saving opportunities are out there when I knew where to look.

For local purchases, get an “Entertainment Book” each year and you will save on those inevitable everyday expenses ranging from dining out to accommodation and admission to movies, theme parks, etc.

 

For online purchases, stick to the reputable retailers. You certainly will not save any money if you are the victim of fraud or if you are simply unable to return an item. And before you start shopping, always look for a coupon code that will allow you to save on your purchase. In the past, many online retailers sent out promotional codes as a series of letters or numbers that could be entered at checkout. Now, many retailers use a button or text link that automatically activates your coupon when you click through, so it is often a good idea to find the coupon first, before you start to shop.

2. Shop around. The internet is an amazing tool for researching products and retailers, as well as for comparison shopping. We make nearly all of our large purchases online. It is also important to know where to shop. For holiday gifts, plan ahead and check out the big online discount stores. Many offer significantly reduced prices on trusted brands. And you can get great delivery rates too, even on large gifts. I once had an enormous game table shipped to me for $2.50.

3. Keep a running list of gift ideas for your loved ones. I have found that when I am confident that a gift is perfect for the recipient, I am much less likely to overspend. But that kind of inspiration rarely hits me during the pre-Christmas rush, so I need to keep a list going the whole year through.

4. Budget. Of course, it is important to know what you are really spending. For years, the budget I had in mind was really more of a “wishful thinking” budget. But this quickly led to debt. It pays to get realistic. Whether you use a computer program or a simple ledger book, make sure you know where your money is really going.

5. Save for the future. Take 10 percent of your income and put it in savings, right off the bat. Now you know what you need to cut back on (or how much more you need to earn) to shore up the deficit.

6. Plan ahead. You will want to make sure you have money in the bank for emergencies. Experts say you should have three to six months of living expenses set aside, for those just-in-case times. It sounds like a lot, but start socking away money each month, and it will add up fast.

7. Get organised. When your home is organised, you will be less likely to spend money on items that are already hiding in the nether reaches of your closet and drawers. The same goes for your refrigerator and kitchen cupboards. Purge and organize before you shop.

8. Simplify. There is a certain romance to the “simplify your life” movement. And having too much stuff really does weigh us down. Take a look at everything in your home. If it does not add joy, beauty, meaning, or usefulness to your life, give it away. And when you are tempted to buy something new, it must pass the same test.

On a quarterly basis, go through your house and ask yourself these same things again. Go through your closet, attic, garage, and basement and purge those items that do not add genuine joy, beauty, meaning or usefulness to your everyday life.

9. Reduce, reuse and recycle. A simple lifestyle, for me, is about reducing my urge to over-consume. It is about being kind to the environment. It is about spending less money on material things, so that I have more time and money to spend on memories with my family. Make changes that will help the environment and your purse at the same time. Install water saving kits on your toilet. Write on the back sides of paper. Use reusable containers in your lunches. All these little things really do add up, and it is important to show our children how we can all be part of the solution.

10. Shop without your kids. I know that if I get a shopping cart at Coles and I do not have a list, I will spend $150. If the kids are with me, I will spend even more. This is another reason it makes sense to do your shopping online. You are less likely to purchase the incidentals.

11. Make sure that your credit card is paying you back via an incentive program. I found a credit card that allows me to earn points on my daily purchases toward our annual vacation trip, including airline miles and hotel accommodations. Since most of my expenses each month are incurred at the grocery store, I found a card that rewards specifically for these types of purchases. Of course, you will need to make sure that you are paying off your balance each and every month. Paying a high interest rate on your credit card will quickly negate any savings you accrue on your incentive plan.

12. Lower your interest rates. If you are carrying a balance on a credit card, give the credit card company a call to see if they will give you a lower rate. Sometimes, it is just that easy.

13. Shop around for insurance. The money you pay for car, home, life and health insurance can vary greatly. Do some research to find out if you are getting the best rate.

14. Be wary of the influence of TV commercials and print ads, especially on your children. We hear fewer cries of “I want that!” when we keep our kids programming to those channels rely less on advertising dollars, such as the ABC and some pay TV channels.

15. Play “Time Warp.” This is a technique I first learned from “My Monastery is a Minivan,” by Denise Roy, and I use it quite a lot. It goes like this: When you are tempted to make a purchase, mentally fast-forward through the life of the item. For example, in her book, Roy thinks she needs new candleholders. She imagines spending time at the mall to find them, soon having to clean them, and then, years down the road, packing them in the giveaway box. She shirks the purchase and soon rediscovers the heirloom candleholders that are packed away right in her own home.

I like to play this “fast forward” technique in reverse, too, asking: What new clothes did I buy last season? (Sometimes, I can not remember). Where are those “I have to have it” items now?

16. Keep your mind on abundance. When you are thinking about money, it is really important to get out of the poverty mindset. Too often, when we are focused on saving money, we are living from a perspective that focuses on lack and scarcity, which tends to bring about more of the same. It has been really helpful for me to make a conscious effort to see the world as infinitely abundant and to rest in the notion that my needs will be taken care of. This is generally a simple matter of thinking more about what I *do* have than what I do not have.

All my days of penny-pinching have certainly proven to me that it truly does not take money to make us happy. Many of my fondest memories have occurred in the smallest homes. My child’s favourite playthings tend to be the inexpensive items that were never designed to be toys at all.

And it is the simple, everyday pleasures that are the sweetest, when enjoyed together.

Our Shared Knowledge, Our Shared Treasure

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Making Great Customer Connections

 

 

Do You Have Great Customer Satisfaction Systems? by Kevin McManus

Too many organizations take customer satisfaction for granted. They will tell you that customer satisfaction is important, but when you look at how customer satisfaction is measured (or not measured), customer requirements are determined, and customers are involved in helping the organization improve its processes, you will realize that the customer satisfaction message is much more ‘talk’ than ‘walk.’ Additionally, we tend to essentially ignore our internal customers – our employees – to the point where one could consider them to be ‘forgotten customers.’

Do you have great customer satisfaction systems, or do you assume that you know what your customers want and rely on sales figures to let you know when they are happy or not? Do you believe that internal customer satisfaction is the true driver of external customer delight, or do you mistakenly believe that external customer satisfaction is possible even when your employees are dissatisfied? Organizations who are serious about pursuing process excellence don’t take internal or external customer satisfaction for granted. They use multiple approaches to measure both customer satisfaction and dissatisfaction, and they design their processes to include their internal and external customers on a regular basis. Additionally, they make efforts at least annually to improve these approaches.

How to Improve Your Customer Satisfaction System

  • Who are your key customers?
  • How connected are you to your customers?
  • What do your customers really want?
  • Do you treat your internal and external customers differently?
  • How do you measure customer satisfaction?
  • What steps can I take to improve my customer satisfaction system?
  • How can Great Systems help you improve your customer satisfaction system?
  • Would you like to learn more about operational and process excellence tools and concepts?

Who are your key customers?

Who are your key customers? It sounds like an easy question doesn’t it. In fact, the answer seems obvious – it’s the people who spend money for our goods or services. While that answer may be right, in this case, a simple answer is not the best one. Any given organization has several types of customers, whether they recognize that fact or not.

Great organizations segment their customers in order to gain a better definition of who their customers are. Some go even further by defining their stakeholders, or in other words, all groups that hold a stake in the success or failure of the enterprise. In order to grow an organization over time or to raise your levels of customer delight to higher and higher levels, you need to know who your customer segments and stakeholders are.

Also, if you really want to get sustained, great results over time, it is important that everyone in your organization knows who the key customer groups are and what needs each of those groups has. Do you know what your key customer segments are? Do you know how customer needs differ in importance between segments? What percentage of your workforce gets to spend time with their customers? Who are your key customers, and how do you determine if you are giving them what they really want?

How connected to your customers are you?

I have worked in companies where I did not even know who the customers of the products we made were, other than to know that they were the people that bought our products. As my career progressed however and I had the chance to work in organizations where all employees got to interact with the external customers to some degree, I began to realize the power that comes from having a stronger customer connection.

I also learned that as the amount of contact increases between each employee and each customer group, the level of customer service increases. I saw a direct correlation between the percent of time employees spent with customers and the level of customer service. More time equaled higher service because we could (1) attach a name and face to the customer label and (2) by their reactions we could gain a greater understanding of what their likes and dislikes were.

High performance organizations spend lots of time with their customers. They also install listening posts which increase the percent of time that EACH EMPLOYEE spends with different customer groups. For example, key face-to-face listening posts that are used by most high performing companies include focus groups, planning involvement, product and service development sessions, regular visits to both the customer’s location and in-house, and point of purchase relationship building.

What do your customers really want?

How does your company decide what products and services its customers really want? Do you use focus groups and surveys? Do you spend time in the field watching customers either buying your product or making purchase decisions that involve it? There are a variety of ways to determine customer requirements, but all too few companies use more than simply their own opinions.

That’s right – many decisions about what the customer wants are made in meeting rooms, simply by reviewing written summaries of customer meetings or discussing what we think the customer wants.

Great companies however use a host of fact-based approaches to create a list of possible customer wants and to prioritize those wants before converting them into product and service features. They recognize that different customer segments expect different things from the products and services they purchase, and they place a high degree of value on using fact-based approaches to determine how these requirements differ.

The example tables and lists provided on this web page are intended to give you several examples of how you might want to enhance your current approaches for defining customer requirements. One key improvement you can make is to simply increase the number of times you touch your customers and allow them to touch you back over a given period of time. By increasing the number of customer touches, you are provided with more opportunities to observe them, listen to them, and measure their levels of satisfaction and dissatisfaction.

You can also employ the use of several mechanisms for staying in touch with the customer. In doing, you can obtain data from a variety of sources, compare the results of such research, and look for commonalities across different data collection mediums. The patterns that appear most often reflect the requirements that your customers consider to be the most important. If you do choose to use a variety of approaches, make sure that you pull them all together into a listening post summary table. This practice will help you make sure that you are investing your customer research time and money in the right places.

Do you treat your internal and external customers differently?

One of the workshops that I enjoy facilitating has to do with your forgotten customers – in other words, your internal customers. When you look at the ten power systems in total, you might notice that I do not distinguish between internal and external customers when it comes to defining customer requirements and measuring to gauge levels of customer satisfaction and dissatisfaction. I do this on purpose because I consider both groups to be equally important and essentially the same.

It is true that their needs are different, but that does not mean that you should spend more effort, or use better approaches, with one group as opposed to the other. You need to meet and exceed the key needs of both customer types in order to have sustained organizational success over time. Neglect one group, and your performance will eventually falter.

If you judge customer importance in terms of the time and money that is focused on one group versus the other, I think you will find that in most cases the level of investment is greater for the external customer group. This may seem logical, since this is the group that gives your organization money in one form or another. The internal customer group either makes money or loses money for you however, so we might really want to question this investment difference if we are trying to take our organizations to a higher level of performance. I have found that high levels of external customer satisfaction cannot be realized and sustained unless high levels of internal customer satisfaction are realized and sustained first. Do you share this belief?

How do you measure customer satisfaction?

Most organizations use surveys to measure customer satisfaction, if they measure customer satisfaction at all. When surveys are used to measure customer satisfaction, it is much more typical to only measure external customer satisfaction – internal customer satisfaction is often taken for granted.

Customer dissatisfaction is typically measured by tracking customer complaints. Unfortunately, only a small percentage of customers who are dissatisfied with a product or service actually make the effort to tell the organization about it. Many estimate this percentage to be as low as 10%.

High performance organizations use a balanced scorecard approach to measure internal and external customer satisfaction and dissatisfaction. An example scorecard is shown on the right. Note that satisfaction is measured in four dimensions, and that a four part survey-based index is used to actually assess satisfaction for both customer groups (survey results from four different questions are averaged).

What steps can I take to improve my customer satisfaction system?

  • Use multiple listening posts to monitor service performance
  • Regularly measure satisfaction and dissatisfaction
  • Include the number of customer touches per year over time
  • Observe the customer to find out what they really want
  • Increase the time that internal and external customers spend together
  • Use database to track customer complaints and their causes
  • Provide customer service training to all employee group
  • Link planning efforts to your customer satisfaction results
  • Develop a scoreboard of customer-based metrics

How can Great Systems help you improve your customer satisfaction system?

Over the past 15 or so years, I have been involved with designing internal and external customer satisfaction systems in three different companies – both small and large – in the manufacturing and service arenas. This experience has helped me discover value added, simple ways to set up manual and digital systems for measuring customer satisfaction, creating internal employee surveys that are linked to the annual planning process, reducing customer complaints, and helping an organization better define and exceed the key requirements of their customers. Failing to hear from your customers as often as you should is the primary power restrictor for this power system – finding effective ways to manage and improve the various listening posts that are used is the way to find higher levels of performance.

If you are interested in the customer satisfaction systems and tools that I have to offer, send me an mailto:kevin@greatsystems.com?subject=I want to learn more about great customer satisfaction systems. Better yet, give some thought to working further with me to help you improve your customer satisfaction system via these avenues:

Process Excellence From the Inside Out workshop – If you really want to accelerate your organization’s pursuit of process excellence, this workshop is for you. This one day workshop is designed to help each participant (all leaders) define the key processes they personally own, the waste streams that these processes contain, and the measures and actions that are needed to reduce process waste and increase customer value.

How to Improve Your Customer Satisfaction System workshop – This one day workshop is designed to accomplish three goals – define your key customer segments and the requirements of those segments, learn about best practice approaches to measuring and improving customer satisfaction, and make key choices regarding how your leadership team wants to improve your existing customer satisfaction system for better results. Please note that this workshop focuses on both internal and external customer groups, as I operate from the perspective that internal customer satisfaction must be improved in order to increase external customer satisfaction levels.

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35 Big Ideas to Kick Start 2012

You have the opportunity to make 2012 the single best year of your life, at work and personally. To help you truly make a difference in your life in this year, here’s to a fabulous 2012!Risk living your dreams…dive into your life, into life itself, without wearing a lifebelt.

Give what you hope to receive. Smile, love and risk acts of riotous kindness.

Open into your emotions, all of them, even those you have forgotten, even those you have hidden so well, and fall deep into the heart of them all…and notice what you find there.

Listen to music that inspires you

Forgive everyone and everything, not least yourself. True forgiveness is one of the most healing releasing, and freeing gifts we give to ourselves.

Listen deeply…more to the heart than to words. Breathe and let people speak all they need to say to you.

Don’t take things personally. Let others empty out and love them for it.

Dream big, dream GINORMOUS! Live your life as if your dreams are already manifest right now, right here.

Go to events that inspire you

Make the present moment your primary focus. It’s where your life happens, nowhere else.

Notice when you are identifying with your thoughts. Learn to let them float past like clouds in the sky.

Become more and more conscious of your breathing, of your body, of the place of no-thought.

Ask yourself: “Who am I?” and allow yourself to be all that you are

Risk utterly loving your partner, your children, your friends, your pets, your town, nature….life itself.

Do regular Process work!

Inspire others. Accept that even a modest word or action on your part can transform another person’s life for the better.

Sing lustily from your heart, either in your home or out there in the world – perhaps even in the Royal Opera House. Give up caring if you’re tone deaf or if you sing like a nightingale, just sing from your heart.

Express your gratitude daily.

Realise how much you have to give.

Surround yourself with positive, inspiring people. Remember – you become the company that you keep!

Become aware of when you complain, of when you deny life, even if the complaint is only in your head. Become silent and stop it!

Accept what is. If you don’t like something and you can change it, then change it. Otherwise smile and accept it.

Dance like a complete maniac.

Find out the root causes of your eating issues – and solve them!

Learn something (many things) new

Celebrate every achievement, however small.

Bless your life and notice the gratitude in your heart for all the blessings of your life (learn to notice these blessings).

Empty out regularly what is not needed and become more and more aware of the magical emptiness inside you.

Give up excuses, give up blame, and soar like an eagle in the warm air of freedom.

Become conscious of your eating. Notice what you eat, how you eat, and consciously enjoy the wonderful experience of eating.

Decide you are abundant. You have all you need now. And in knowing this, in really knowing this, you open into the infinite great river of abundant life.

Do something for the environment. Make a contribution, however small or large, to improving our world.

Take the lampshade off, stop acting small, you are life itself, BE OUT THERE, BE SEEN, BE HEARD!

What is that decision or choice you’ve been putting off for so long? Put it off no more. Either go for it NOW…or decide it’s not what you really want, let it go, and open to the love that is here.

Give back. Supporting a charity organization that inspires you is one option out of thousands, find yours and truly share your blessings with others.

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Why Warren Buffett Is Buying –

And You Should Be Too

Legendary investor Warren Buffett recently made news with his purchase of International Business Machines Corp. (NYSE: IBM), though I can’t say I’m surprised.
Despite criticism that he’s buying into a top-heavy market, that IBM is at a premium, and that he’s losing his touch, chances are Buffett knows exactly what he’s doing.

And guess what, it’s exactly what I’ve been counseling investors to do since this crisis began – bolster defenses by putting money to work in companies that are backed by trillions of dollars in tailwinds, and have solid defensible businesses (Buffett calls these “moats”).

According to a Berkshire Hathaway Inc. Buffett also waded into General Dynamics Corp. (NYSE: GD), DirecTV (Nasdaq: DTV), CVS Caremark Corp. (NYSE: CVS), Intel Corp. (Nasdaq: INTC) and Visa Inc. (NYSE: V).

In the third quarter, Buffett funneled $10 billion into Berkshire’s IBM stake, which now stands at 5.5%. Of course, Berkshire maintains a $13.5 billion stake in The Coca-Cola Co. (NYSE: KO) that remains the firm’s largest.

Buffett Pulls the Trigger

As a long time Buffett watcher, I am somewhat surprised that he picked up Intel and IBM, if only because the Oracle of Omaha has a well-documented aversion to tech.

Still, I can see the logic. Both companies are global giants poised to profit from the whirlwind of growth set to take place thousands of miles from our shores in the decades ahead.

There are technical similarities, too.

For instance, IBM’s price has risen more than 29% this year. As a result, at least five analysts have removed their buy recommendations because they believe the stock may have run its course, according to Bloomberg News and YahooFinance . At the moment, less than 50% of the analysts who cover IBM recommend buying the stock.

Back in 1988, it was much the same situation. Coke had more than doubled in size and analysts had much the same reaction when it came to doubts about further growth. Many openly bashed the stock’s prospects and completely ignored the global growth potential that today is Coke’s mainstay.

Coke is up tenfold since then. Enough said.

Here’s what I think Buffett sees:

  1. IBM has shed its personal computer businesses and returned to its roots as a century-old technology company. I believe Buffett sees this as an opportunity to capitalize on further budget cutting and the need to do more with less. So-called “right sizing,” or making technology work harder, has long been a strength for IBM.
  2. Big cash flows. IBM has enjoyed 25 straight quarters of per share profit increases -thanks largely to former-CEO Sam Palmisano, who gutted the place and who rebuilt IBM’s core computer services businesses. The company’s first female CEO, Virginia “Ginni” Rometty took over last month and is expected to provide strong leadership, so I expect this trend to continue.
  3. Increased per-client revenues. In downturns, it’s easier to do business with companies you already have on board than it is to acquire new customers. IBM has a long history and deep client relationships that can likely be “farmed” to be worth far more than the changes to new technology providers would cost.

Unfortunately, these three things also tell me that – despite his very public pronouncements that things are on the mend – Buffett is girding for more turmoil.

They also suggest to me that Buffett really doesn’t care. He’s making investments that are devoid of concerns for volatility and short-term market fluctuations because he knows that value never goes out of style.

Buffett also knows that by properly concentrating his wealth, he’s better off playing defense in this environment. He noted as much in last year’s annual Berkshire shareholder letter.

So if you think that timing the markets is a good idea, yet you aspire to the kinds of returns that have made Buffett one of the all-time investing greats, think again.

The ability to find and buy distressed investments is becoming more difficult by the minute in today’s markets, so you have to concentrate on growth if you want to get ahead – even if the payoff is not immediate.

November 18, 2011

By Keith Fitz-Gerald, Chief Investment Strategist, Money Morning

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Investing In Real Estate

If your strategy is renovate for profit, here are a few tips how to get hold of the best trade’s people in the industry:

QUESTIONS TO ASK A TRADESPERSON

A tradesperson’s answers to your questions can give you a good sense of whether you could work with him or her. Here’s a list of questions to help you work out which tradesperson is best for you.

  • How long have you been in business?
  • Have you completed projects like mine recently?
  • Can you provide a list of references?
  • To which professional associations do you belong?
  • Will you be using subcontractors on this project? If so, are your subcontractors licensed to work in these areas (such as plumbing, roofing, etc.)?
  • Are you insured and covered by worker’s compensation?
  • Do you give written warranties?
  • Will my project require a permit?

You should also ask the tradesperson for a list of references and ask each referee important questions such as:

  • Would you recommend this service professional?
  • Would you use this service professional again?
  • Were you happy with the project?
  • Was the job completed on time?
  • Did the service professional keep you informed of the status of the project?
  • Were there any unexpected expenses?
  • Were workers punctual?
  • Did workers clean up after finishing the job?