Set your ladder so the base is away from the side of your house and has both its feet on flat, sturdy ground. Place the top of the ladder against the side of your home so you can reach your sagging gutters without having to lean to the side. Climb up the ladder slowly so you’re less likely to slip and fall.  Ask someone to support your ladder so it doesn’t move or fall while you’re on it. Never stand on the top step of your ladder since you could easily slip. Locate the loose hanger by looking down into your gutter and finding the one that’s sagging more than the others. Use a screwdriver or a drill to turn the screw counterclockwise so you can remove it. Pull the screw straight out from the hanger once it’s loose. New gutter hangers usually come with screws, so you don’t need to save the old ones if you don’t want to. Grab the end of the hanger that’s closest to the back edge of the gutter. Pull up on the back of the gutter hanger to unclip it from the edge. Tilt the hanger toward you so the front end comes loose from the front lip of the gutter and pulls out easily. You can throw away the old hanger. Lower the front end of the hanger into the gutter and fit it underneath the front lip of the gutter. Position the back of the hanger so it lines up with the hole that’s already going through the back of the gutter. Press down on the back of the hanger so it clips onto the back edge of the gutter.  You can buy gutter hangers from your local hardware store. You can also move the hanger over 1⁄2 inch (1.3 cm) to the left or right if you don’t want to use the old holes. Position the screws in the holes on the top of the hanger and push them in as far as they can go. Turn the screw clockwise with your screwdriver or drill until it holds the gutter firmly against your fascia board without sagging. Make sure the hanger doesn’t move around at all after you secure it in place.
++++++++++
One-sentence summary -- Climb a ladder up to your sagging gutters. Unscrew the screw on the old gutter hanger if it’s still attached. Pull the gutter hanger straight up to remove it from the gutter. Push the new hanger onto the gutter in the same place as the old one. Use a drill or screwdriver to secure the hanger to your fascia board.


Hair gel is the most common hair product for a reason—it tends to be the strongest. If you have very specific styles in mind and plan on spending a lot of time outdoors or running around, get a gel to shape your hair. Most gels tend to leave a shiny texture behind. This can make your hair look a little damp if you use too much of it. Hair wax and mud are thicker than gel, and tend to provide a solid amount of holding power. The major difference is that hair wax or mud doesn’t leave a ton of shine behind. This is the best choice if you aren’t actually trying to look like you spent a lot of time on your hair, since it will be kind of hard to tell that you actually used anything in it.  These products are sometimes called hair clay as well. Wax, unlike gel or pomade, can be adjusted after it’s been dried and your hair will still hold. Pomade has become one of the most beloved hair products for men over the course of the past few years. It’s popular because it provides some light holding power without leaving a ton of evidence that you’ve put product in your hair. It won’t hold your hair firmly in place, but it will help keep a general shape once it’s in your hair. Pomade is thicker than wax, but doesn’t hold as hard. This makes it a great option for people with thicker hair that doesn’t need as much help holding a shape. While not as popular for men, volumizing mousse will make your hair pop out and stand up. This is a great choice for people with thinner hair that tends to fall down after it’s been styled with thicker products.
++++++++++
One-sentence summary -- Get a gel for a firm hold that leaves a little shine. Choose a wax or mud for a moderately-firm hold with less shine. Select pomade for a light hold that will still provide some shape. Get a volumizing mousse if you have thinner hair.


Many bad investments involve unregistered securities. These include stocks, bonds, hedge funds and more. Do your research. In the U.S., you can check with the Securities and Exchange Commission (SEC) to see if something is a registered investment. The contact information is as follows:  North American Securities Administrators Association or (202) 737-0900. You can also check the website at: https://www.sec.gov/.  Ask the promoters of an investment if they are licensed to sell that type of investment. Contact a state commission office, a state's Secretary of State, a Corporations Commission or  Securities Commission. A business should be registered with one of these entities. Stay away from investments with no documentation. That is a sign that it may be unregistered. If a person is pressuring you into investing as soon as possible, beware. It is not common practice for legitimate brokers or other people who help investors to be aggressive in their sales practices. People who push too hard may have a hidden agenda.  Remember to be cautious when considering any investment. Once you give someone your money, you may not get it back. Make sure the salesperson and the company or firm he represents have never had any problems with criminal activity. Make sure both have a clean record. You don’t want to be involved with people or companies that don’t have a good reputation. They have not done business “by the books” in the past, they probably won’t when it comes to handling your money. Remember that people operate under aliases. It is important to find out someone’s true identity. Do not trust the claim that a number of seemingly reputable people have already invested money. This is a tactic used to get you to feel that you can invest safely because others have already done so. People who use this tactic will also tell you that these people are making money off of their investments. Here, an offer of a favor like selling to you at a lower price is made in exchange for you to buy now. You need to ask yourself why someone would be that desperate to get you to invest. Using this tactic is a sign that the sales person is only interested in getting you to invest and does not want you to walk out the door without doing it. When you are made to believe that "there aren’t enough" spots for investment to go around, red flags should go up. The urgency created by this tactic is meant to get you to invest quickly. Remember, unscrupulous salespeople will use any tactic to get your money. When you hear that there just isn’t enough investment opportunities for everyone, that is a sure sign that someone is trying to defraud you. This person will make statements like, “As the CEO of XYZ, I can assure you the investment is sound.” This tactic is called “the source credibility tactic.” The idea is to create a sense of credibility so that you will trust them.  Remember that it isn't wrong to let people know that you are high up in an organization. Many legitimate people do this for the credibility it gives them. Be cautious if the person seems to be overly relying on these claims or pushing you to invest. Research the person to see if their claims are genuine.
++++++++++
One-sentence summary --
Check to see if a product is registered. Avoid pushy salespeople. Check for a criminal record. Take note when the investments of others are mentioned. Pay attention to offers to do something to get you to invest. Do not fall for the urgency tactic. Be suspicious of someone claiming to be of significant importance.