Humidifiers – More Uses and Benefits than You Think

Health & Lifestyle

Ultrasonic humidifier

Winter is approaching fast and that means it’s the perfect time to get a humidifier. Humidifiers are great all year round, but they are especially helpful during the winter months. That’s because this is the time when air is very dry.

If you’re not familiar, dry air is not good for your health for many reasons. Here are a few of them:
• It makes viruses and bacteria active and infectious.
• It prolongs certain illnesses like colds and flu.
• It increases the symptoms of allergies.
• It leads to poor sleep due to a dry nose and throat.
• It drains water from your skin, leaving it looking dry and cracked.
• It weakens your hair and scalp cells.

All in all, dry air does a lot more damage than we give it credit for, not to mention adding to the fear of electric shock every time you touch a doorknob or something mental in your kitchen.

The solution is simple; all these issues can be solved by simply buying a humidifier to help keep the air in your home moist. But its benefits go beyond just improving your and your loved ones’ health. Here are some little known advantages of having this awesome device in your home.

Helps keep your pets healthy…

Dry air doesn’t just harm the health of the people in the house, it also affects pets. It makes their breathing canals dry and will constantly leave them dehydrated. If your pet suffers from allergies the arid air will make the condition worse. But with a humidifier, you not only get to make the air moist but you can purify it as well. Talk of killing two birds with one stone.
…and your plants too

Air HumidifierIf you enjoy some greenery in your home you certainly want to have a humidifier on for a good part of the day. Your houseplants are alive, and they thrive in a humid environment. Without proper humidity two things will happen.
• First the plants will lose the water in their cells at a faster rate.
• Secondly, the soil they are growing in will also go dry faster.

The result is droopy leaves and dull plants. While a humidifier can never replace normal watering, it can go a long way in improving your plants’ health by giving them the humid environment they need to breathe.

Keeps your furniture in great shape

Yep, you read that right! The reason why your wooden furniture is getting old faster could be because you don’t have a humidifier in your home. Dry air usually causes wood to dry out, shrink and crack. You may also see joints loosening.

So if your door, bed or chair is starting to wobble or show signs of distress, then chances are the air around your home might not be holding enough moisture.

Lowers utility bills

Winter can be fun and all but it’s never kind on the electric bill. When the temperatures start to fall the only logical thing to do is crank up the thermostat. This means your monthly bill is going to be a lot higher. But did you know that you can save a good amount if you have a humidifier?

When air is humid it feels warmer. Here’s an example, a 70-degree temperature plus 10% humidity usually feels like 65 degrees. But if you make that 67 degrees plus 50% humidity the air in the room will feel like 70 degrees. Who knew?

Why? Because low humidity reduces warmth in the air. So rather than paying more on electricity you can simply buy a humidifier. After all it’s a one-time, one-off payment that will save you hundreds for years to come.

Prevents static shocks

Another thing that comes with the dry air of winter is dreaded static electricity. You will feel it (the shock) on your pet’s fur, on your clothing, or on any metal surface in your home. This happens because when air is too dry it becomes extremely conducive to static electricity. But you can reduce its conductivity by simply increasing humidity.

With all these reasons and more, it might be time to look into getting your very own humidifier or even think about gifting one to friends and family.

Jumbo Mortgages and Tips To Save You Money

Loan Tips

Are you on the lookout for a home within the Dallas, TX space and need to get pre-authorised for a jumbo mortgage? Find out how to search and find the best jumbo lender near Dallas TX so that you’ll never have to worry about getting great service.

A dream shared by many is home ownership. Purchasing your first home is a huge life moment. To buy a home, almost everyone must obtain a mortgage loan. There are several key facts to learn before getting a loan, and this article can be a great help.

To make sure that you get the best rate on your mortgage, examine your credit rating report carefully. Lenders will make you an offer based on your credit score, so if there are any problems on your credit report, make sure to resolve them before you shop for a mortgage.

If you are considering quitting your job or accepting employment with a different company, delay the change until after the mortgage process has closed. Your mortgage loan has been approved based on the information originally submitted in your application. Any alteration can force a delay in closing or may even force your lender to overturn the decision to approve your loan.

Before you try and get a mortgage, you should go over your credit report to see if you have things in order. In 2013 they have made it a lot harder to get credit and to measure up to their standards, so you have to get things in order with your credit so that you can get great mortgage terms.

Watch out for banks offering a “no cost” mortgage loan. There is really no such thing as “no cost”. The closing costs with “no cost” mortgages is rolled into the mortgage loan instead of being due upfront. This means that you will be paying interest on the closing costs.

You will be responsible for the down payment. In years gone by, some lenders didn’t ask for down payments, but those days are mostly over. Ask how much of a down payment is required before applying for a mortgage.

Find out the property taxes before making an offer on a home. Know what the property taxes are before you sign any papers. Sometimes property taxes are a lot higher than you may imagine at first. This can turn into a real surprise.

Check out the interest rates for 15, 20 and 30 year term lengths. Many times the shorter the term length the lower the interest rate. Although you may think you payment will be higher on a shorter term loan, you can actually save money on your payment by choosing a lower interest rate and a shorter term.

Look over you real estate settlement statement before signing any papers. Your mortgage broker is required by law to show how all the monies are dispersed at the closing. If the seller has agreed to pay for some of the closing costs, ensure that this is noted on the settlement statement.

ARM, or adjustable rate mortgages, don’t expire near the term’s end. You will see the rate being adjusted to whatever the going rate is at that time. This means the mortgage could have a higher interest rate.

Having a strong employment history will make it easier to qualify for a home mortgage. Lenders like to see that you have been at the same job for a good length of time. Barring that, they like to see continuous employment for at leas the past five or more years.

Think about your job security before you think about buying a home. If you sign a mortgage contract you are held to those terms, regardless of the changes that may occur when it comes to your job. For example, if you are laid off, you mortgage will not decrease accordingly, so be sure that you are secure where you are first.

Consider a mortgage broker for financing. They may not be as simple as your local bank, but they usually have a larger range of available loans. Mortgage brokers often work with numerous lenders. This allows them to personalize your loan to you more readily than a bank or other finance provider.

Know the risk involved with mortgage brokers. Many mortgage brokers are up-front with their fees and costs. Some other brokers are not so transparent. They will add costs onto your loan to compensate themselves for their involvement. This can quickly add up to an expense you did not see coming.

Let your social circle know that you are trying to get a mortgage. Friends, family and even coworkers can be wonderful sources of referrals and first hand testimony as to who to use or avoid. Get online and seek out reviews and feedback from previous customers to get a feel for who is right for you.

Now you are aware of what is needed in order to shop for a home mortgage. Use what you’ve just learned here today. They will help you understand the home mortgage process so that you can make sound decisions when purchasing a home.

Important VA Loan Information And Tips

Uncategorized

In case you are in the market for a top VA lender near San Antonio TX, you choose choose a VA mortgage dealer with which you realize and agree with how they function business. Get insight into the operations by observing the products and services and even little issues such as dress code. All business transactions are reciprocal relationships that should profit each buyer and VA mortgage lender. It is advisable to know the business from the inside and the way they function and performance with regards to enterprise.

Have you ever wanted to buy a home, but you were afraid of a mortgage? Maybe you’re worried about taxes and insurance escrow? Perhaps you don’t know how to find the right mortgage company and what is a good interest rate? All these questions are going through your mind, and this article is going to help you with a few tips to get you moving in the right direction.

Try to have a down payment of at least 20 percent of the sales price. In addition to lowering your interest rate, you will also avoid pmi or private mortgage insurance premiums. This insurance protects the lender should you default on the loan. Premiums are added to your monthly payment.

Start saving all of your paperwork that may be required by the lender. These documents include pay stubs, bank statements, W-2 forms and your income tax returns. Keep these documents together and ready to send at all times. If you don’t have your paperwork in order, your mortgage may be delayed.

Know your credit score and keep unsavory mortgage lenders at bay. Some unscrupulous lenders will lie to you about your credit score, claiming it is lower than it actually is. They use this lie to justify charging you a higher interest rate on your mortgage. Knowing your credit score is protection from this fraud.

Get mortgage loan estimates from at least three different mortgage lenders and three different banks. By shopping around, you may get a lower interest rate, pay fewer points and save money on closing costs. It’s almost always preferable to get a fixed interest rate. With variable rates, you may not know from month to month what your mortgage payment will be.

Don’t make any sudden moves with your credit during your mortgage process. If your mortgage is approved, your credit needs to stay put until closing. After a lender pulls up your credit and says you’re approved, that doesn’t mean it’s a done deal. Many lenders will pull your credit again just before the loan closes. Avoid doing anything that could impact your credit. Don’t close accounts or apply for new credit lines. Be sure to pay your bills on time and don’t finance new cars.

Find out if the loan you are applying for is a fixed rate or adjustable rate loan. Generally adjustable rate loans offer lower interest rates; however, the interest rate can increase over time. With an adjustable rate loan, your interest rate can increase yearly; thus costing you more money in the long run.

Ask those close to you to share their home mortgage wisdom. They are probably going to be able to provide you with a lot of advice about what you should be looking for. Some might have encountered shady players in the process and can help you avoid them. The more people you ask, the more you can learn.

If you can afford the higher payments, go for a 15-year mortgage instead of a 30-year mortgage. In the first few years of a 30-year loan, your payment is mainly applied to the interest payments. Very little goes toward your equity. In a 15-year loan, you build up your equity much faster.

Make sure you’ve got all of your paperwork in order before visiting your mortgage lender’s office for your appointment. While logic would indicate that all you really need is proof of identification and income, they actually want to see everything pertaining to your finances going back for some time. Each lender is different, so ask in advance and be well prepared.

Consider having an escrow account tied to your loan. By including your property taxes and homeowners insurance into your loan, you can avoid large lump sum payments yearly. Including these two items in your mortgage will slightly raise the monthly payment; however, most people can afford this more than making a yearly tax and insurance payment.

After reading this beneficial advice, you are on your way to getting a good mortgage. Utilize what you know, and start confidently searching for the mortgage that best fits your needs. When you have found the one, you will know. It feels good to have a good mortgage company on your side.