I spent most of my life in the Philippines. It is where I grew up so I am used to hot and humid weather. But, after moving to northern Minnesota and living here for nine years, I am now acclimatized. Though it is frigidly cold here up north during the winter season, it can be hot and humid during summer sometimes. Fortunately, our home is equipped with a good heating system and air conditioning. It is eighty degrees Fahrenheit outside as of this writing. Not too bad compared to the last few days when we had to keep the air conditioner … Read the rest
If you’re a homeowner, you may have worried about how the mortgage on your home will be paid if you lose your job, become disabled or die. Mortgage protection insurance (MPI) is one solution for this major concern. It is basically a life insurance policy that will cover your mortgage payments if certain events make it impossible for you to make payments. The cost of mortgage protection insurance depends on your age, health and the amount of your mortgage.
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Mold is a huge issue for much of the country. People who live in slightly humid places find that they are having to clean and spray mold every months. Mold spores fly throughout the house looking for sources of moisture. Unfortunately, the basement, bathrooms and laundry rooms are the most common sources of moisture and incur mold most often. To discourage mold from growing, areas need to have adequate ventilation and sunlight. Sunlight inhibits the growth of mold and kills it. Ventilation helps to keep the area dry and can cause the mold spores to leave the home.
Older houses may have tiny windows. This is a problem for two reasons. For one, a small window does not let in an adequate amount of air to create airflow in the home. Second, a small window only lets in a limited amount of sunlight. It’s worthwhile to seek a renovation company to adjust the size of the windows
Those who have equity in their home may be able to use that equity as a line of credit. This could be beneficial because the interest rate on an equity line of credit could be as low as 4 percent. This means that you can consolidate your credit card debt, auto loan or medical debt into one monthly payment that you can easily afford.
In this supposedly hot season of the year, to be greener in our homes is not just an option but has become more of an obligation for us wherever we are in the globe. The last year has been a not so good year for the most part of the world and most especially not to my own country, the beloved Philippines with the record breaking typhoons and super typhoon. Indeed, dramatic effects of climate change had already been felt and it was as bad as we could ever imagine.
When you start looking for a house for sale, a real estate agent can help in the process. The first thing to do is give all of the information to the agent. An agent can find homes that fall into the price range that you are looking for as well as homes that have all of the necessities that you will need. You won’t have to be troubled with the task of looking through newspapers or internet sites to find the house because someone else can do it for you.
Electricity is like the blood inside our veins and arteries. Without it, we are lifeless.
I am a registered nurse and to care for the patients, sick or well is my lifelong commitment. There in the hospital I worked, I met a number of patients. Some are of similar situations but each is unique as a person and that’s why holistic approach is always the key. Though I do not know them personally as to what and how they are outside the hospital but to care and to always respond to them and to their different needs are my responsibility.… Read the rest