You might be curious to understand what qualifies as bail collateral. Remember, bail collateral is necessary if you or a loved one is arrested and unable to post cash in the amount of the bail required by whichever court has jurisdiction.

And because many people do in fact fall short of being able to come by that full amount in cash, they require the services of local bail bondsman. Essentially these bail bondsman step into the breach, providing whatever amount of money is necessary to get the bond paid in full. Typically, they require 10% down in cash from the defendant and they put up to 90% as a match.

Now, if the arrested party elects for any reason not to show up for officially scheduled court dates, it’s quite likely that the bail bondsman will become liable for that entire bond. In other words, 100% of what was originally given to the court. And this happens more often than you might think.

For that reason, bail bondsman require that you put down significant forms of collateral in exchange for their 90% contribution. That way, they can sell that collateral to help recover any loss they may have should the arrested party not live up to their end of the bargain.

A wide variety of things can qualify as legitimate bail bonds collateral. Will summarize a handful of those here so you have a better understanding of what can be used if the situation requires it.

One. Surety bond is a bond back by an insurance agency who assumes the risk for that bondsman. Typically, a relative or friend of the accused will put down 10% to the insurance agency and that agency will be on the hook for the remaining 90%. If the arrested individual does not show up in court when scheduled, their friend or relative will lose whatever they put down plus any cash, valuables or property that they supplied in addition to the 10%.

Two. Property bond is essentially a lien given to the court against land owned by the guarantor. Once again, if the accused does not honor their obligations, the property may be foreclosed upon and any proceeds will be used to cover the loss originally absorbed by the bail bondsman.

Three. Residential real estate is very commonly used in the case of large bonds. This can be raw land, residential homes, etc. As with the property bond above, the bail bondsman can elect to take possession or foreclosed upon the property that’s been used as collateral if they need it to be made whole.

Investment or bank accounts can also be used, and often are, in situations where the money is at very low risk of not being there, but it is tax advantageous to the person who is using them as collateral to leave them in place until there is a confirmed need to remove the money. This still gives the bail bondsman adequate protection for their risk, but it does not trigger unnecessary tax and/or loss implications if the defendant shows up in court as scheduled.

In addition to the stronger examples of collateral cited above, things of smaller value like vehicles, firearms, jewelry and other small readily negotiable items such as televisions and various electronics are also often used to arrive at enough collateral to complete the bonds process.

To be sure, bail bondsman are in the business of assuming some degree of risk, which is why they are paid so handsomely. However, experienced bail bondsman use all the rules of collateral to minimize that risk whenever possible. Reach out to Afford-A-Bail Bail Bonds if you ever find yourself in need of a reputable firm to handle similar matters.

Vacuum for hardwood floorsFloor cleaning products are available nowadays in an incredibly wide variety, and with so many products to choose from, it’s come to a battle of the brands.

Competitive products and various marketing strategies, countless advertisements, discounts and promotions are designed to attract as much buyers as possible. Still, how to avoid getting caught in the middle, and buy the best floor cleaning products regardless of the brand?

Different flooring materials require specific floor cleaning products, because if you use the wrong method and formula your floors can be ruined. So when you go out hunting for the best cleaning products, first of all take into account the type of flooring surface you need to clean.

Wood Floors

If your floor has a surface finish, it means that the coating on top of the surface is designed to protect it. First of all, when cleaning don’t soak it in water, just use a damp mop. Just water won’t do the trick, so you need the right wood floor cleaning products. The best formula for this type of floor is 1/4 of a cup of mild liquid dish washing detergent, added to a bucket of water. For scuff marks, take a damp sponge and rub the spots with a sprinkle of baking soda. Avoid oil soaps, wax cleaners (or other products for shine), ammonia cleaners, high pH cleaners (such as harsher soaps), or vinegar (it’s an acid which will eventually dull the finish).

If your wood floor has a penetrating finish, it means that it’s protected by the oil or wax, resins or sealers. The best floor cleaning products for this type of flooring are solvent-based cleaners, preferably natural citrus solvents. Spray it on the floor and wipe it with a dry mop or cloth. Don’t use water-based cleaners, or any cleaners designed for surface finish floors, because it can make the penetrating finish cloudy.

Pro Tip: Always use a high quality vacuum for hardwood flooring before you apply any wet products. Some of the best cordless vacuums aren’t overly expensive and do a great job at keeping your floors dust & debris free.

Laminate Floors

Laminate floors are very durable and very easy to clean, due to their melamine wear layer. Just vacuum and wipe them with a damp mop or cloth. Don’t use abrasive floor cleaning products, steel wool or scouring powder, avoid soap-based cleaners, waxing or polishing.

Resilient Floors

Resilient floors include vinyl, linoleum and cork surfaces. Keep your floor clean by sweeping frequently, vacuuming and dust mopping. Use a mild natural liquid dish detergent combined wit warm water, and wipe the floor with a damp mop. You can make your own floor cleaning products by adding 1/2 cup of vinegar to the water, in order to rinse and increase its shine. You can remove scuff marks by rubbing with a sponge dipped in jojoba oil. Don’t scour the floor, and avoid solvent-based cleaners.

Ceramic Tile Floors

Ceramic tile floors should b cleaned frequently, in order to keep their stylish look. First of all, it’s best if you pre-wet the floor before using any floor cleaning products, so the cleaning agents won’t penetrate into the tile body. Sweep regularly, vacuum and dry/damp mop. Use a combination of warm water and mild detergent with a low pH, damp-mop the floor and then dry it with a soft cloth. Don’t use any harsh abrasives that might scratch the glaze, and avoid any acid-based floor cleaning products. Also, always rinse thoroughly after cleaning.

As long as your choice of cleaners is based on the type of flooring material, cleaning should be easy and effective. Universal cleaners, advertised for being suitable for any floor type, are not as good as specific cleaners, designed particularly for that flooring material. Follow the advice above, and also read the instructions and recommendations of the floor manufacturer. Using the proper cleaning products will not only make your job a lot easier, but the wrong cleaners may seem to be effective for the moment, and ruin your floors in time.