Author: Jon

Jon Snow is the founder of Star Fish Oyster Bed and the owner of thought catalog. He’s been writing for many years and now focuses on managing online platform and blog design for several organizations.

Finance

Using Ratios To Test Personal Financial Health: How Financially Healthy Are You?

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After you have created your personal balance sheet and monthly budget, you are ready to use financial ratios as a means of analyzing your financial health. Personal finance ratios convey, in understandable terms, what the raw data itself means. Looking at finances through relevant ratios helps identify economical strengths and weaknesses along with revealing important insights that may otherwise go unnoticed. The most useful ratios, when it comes to personal finance, can be classified into three categories: liquidity, financing decisions, and savings.

What is Liquidity  amp; How Do You Test it? To an extent, these ratios can also help you consider ways in which you can cut down expenses and save yourself from making unwanted expenses.

Liquidity is a measure of how able an entity is of paying off current obligations, most often in the short-run. The current ratio measures just this: liquid assets to liquid debt. Liquid assets, or current assets, include all cash and cash equivalents (such as savings and checking accounts). Liquid debts, or current liabilities, include all debts that need to be paid off within the next 12 months. Dividing your current assets by your current liabilities will give you a general idea of how on top of finances you are in the short-run. An optimal current ratio factor would be greater than two, thereby indicating your ability to easily pay off all current liabilities and also handle some unexpected expenses that could possibly come up.

Understanding the Implications of Your Financing Decisions

The current circumstances of your financing decisions become quite clear by looking at the debt ratio, a comparison of total debts to total assets. Dividing everything you owe by everything you own shows your current ability to cover all long-term debts. During certain periods of life this number will be high. If you’re measuring your financial health right after you graduate jobless with several student loans, or right after you purchase a new house on credit, the results of this particular ratio might scare you considering the optimal factor is zero. It can be okay if this factor is temporarily high as long as mitigating total debt is a long-term priority.

Looking at the Savings Ratio  amp; Identifying What’s Ideal

The savings ratio helps shed light on what funds are really being allocated to savings on a monthly basis. From month to month this ratio might vary so taking an average of several monthly savings ratios will be a better indicator of your true circumstances. Divide the amount of money you saved last month by the amount of income you earned in that same month. Depending on your present financial situation this might be low, but when possible, the savings ratio factor should be around fifteen to twenty percent.

Ratios certainly don’t tell us everything, but they can be a good reference when looking at overall health of our personal finances. Being liquid, debt-free, and able to save are just a few of the many important features of successful financial circumstances. Working towards optimizing these factors should be a financial priority for all of us.

Cleaning

Remove Tough Odors From Your Carpets

JonWritten by:

Cooking, smoking and pets are just a few of the odor causing culprits in our homes. That delicious fish dinner may leave it’s scent lingering for day’s. Combine that with the doggie smell and Pop’s cigar and you will have one stinky house.

Air fresheners just temporarily mask the smell’s and don’t last very long. Besides most of the odors aren’t airborne. Odors have found a better place to take up residence.Just

look down and you will find the source of those unpleasant smell’s that seem to take over the house.

Carpets are the primary source of unpleasant odors in the home, and while there are many product’s available to help with this problem, many of them are loaded with chemicals and can be toxic. Being a pet owner I have tried different odor removal product’s and have come to the conclusion that there are three common household product’s that are the best for tackling this stinky problem.

I love my dog, but that doesn’t mean That I want my house to smell like him. Pet odors spoil an otherwise lovely home, so we who have furry friends need to take a little extra care to make sure our homes smell fresh and clean.

With so many toxins in our cleaning products, it makes it hard to choose what to use in our homes. Safety for our families and pets should be a consideration when doing any household cleaning. But, none the less, we don’t want our house smelling like a kennel.

First is baking soda. Just lightly sprinkle your carpets and let it sit for about fifteen minutes and vacuum up. Your carpets will smell fresh and so will the whole room.

My favorite odor busting tip is; white vinegar. Fill a spray bottle with five parts water to one part white vinegar and spray your carpets. Not only will this deal with the pet odors but it will bring your carpet back to life by perking up the faded colors.White Vinegar It is also potent enough to remove the smell of pet urine, though a slightly higher dose is required. Create a cleaning solution by following this ratio – 3 parts water, 1 part vinegar. Vinegar is also quite excellent for stain removal and will break up tough ground in dirt. You can even use a vinegar solution for shampooing the carpets. this will give you wonderfully fresh carpets with brighter color. Just use the white vinegar in place of your usual carpet cleaning product. you will be pleasantly surprised at the results. If your carpet smells a little like vinegar, don’t worry, that will fade as it dries. You can also add your favorite scented oil to the vinegar solution to dress up the ambiance of your home.

Lemon is another way to get rid of carpet odors. It will also leave a fresh lemony scent in the room. Lemon’s acidity is more than enough to pull the plug on carpet odors. Mix fresh lemon juice with a little water then apply it on the smelly areas. I mix the solution in a spray bottle and spray the carpet then I use a stiff bristled push broom to scrub it into the carpet. I love the scent of lemon, It leaves the room smelling fresh and clean.

Just one final tip; When I bathe my dog, I rinse him with a solution of 1/2 cup of cider vinegar to 1 cup of water it not only keeps his odor in check, but it reduces dander and repels fleas. This has worked so well for him, that I’m happy to recommend it to all of you. However, if the dirt holds the carpet so firmly, that these DIY solutions can’t remove, you may also want to consider to hire carpet cleaner near me.

EducationSaving

5 Ways to Save Money While in College

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The cost of tuition to attend college can extend beyond $20,000 for private, and $7,000 for public schools. Other expenses such as eating out and parking passes can bring the student much additional debt. Students often takeout student loans and apply for scholarships to help pay for college. While these methods are effective, there are easier ways to eliminate thousands of dollars in debt, with little effort.

#1 Don’t Bring a Car to College

When a student brings a car to college, they are building up large amounts of unnecessary debt from the start of college. The purchase of a new car, parking pass, maintenance, gas, and insurance can easily pull the student thousands of dollars into debt. Although having a car makes visiting friends and picking up items from Wal-Mart easier, it’s not worth the additional debt. As an alternative, students can utilize the bus system, walk, or ride with friends. Those in need of a car to travel home for break can avoid this problem by having a relative or friend take them home. If a student needs a car for a job, then it is worth the student to have a car on campus, however. A good portion of students bring a car on campus for unnecessary reasons.

#2 Buy Books Online

Books are getting expensive, and a lot of books run well beyond $100. A student taking several classes could spend over $800 each semester in books alone by purchasing the books through the college. Websites such as EBay and Amazon allow students to buy used textbooks through sellers much cheaper. Some websites such as Facebook allow students to find books through sellers within the same college and meet them in person for the transaction. By purchasing books online, students can save hundreds of dollars each semester.

#3 Don’t Bring a Computer to College

College campuses often brag about the computers they have available on campus for students, yet many students don’t take advantage of the computers. Students can find computers in the union and the library, available almost 24 hours a day. Not having a computer means a student will also avoid the expense of having a printer. Not only does this save money, but it also frees up the limited amount of dorm room space, and prevents students from spending an endless amount of time on websites such as Facebook and Myspace. As long as the student isn’t one to wait until the last minute to write a paper or study for an exam, not having a computer shouldn’t be a problem.

#4 Use the Meal Plan on the Weekend

The problem with some students, involves eating at restaurants on the weekends. Some places such as McDonalds might only cost $5 a meal, but that adds over time. Other places such as Olive Garden could run the student $20 for dinner. Assuming the student spends $40 each week on eating out; it would cost the student $1200 over 8 months. If the student has a meal plan for the entire week, it should be used. It’s alright to go out and eat once in a while, but not so much that the student is eating out several times over the weekend.

#5 Take Community College Classes

Cost per credit hour at the community college compared to a four year college is enormous. The cost per credit hour at Duke University cost over $1000 whereas the cost at Durham Technical Community college is only $42 per credit hour. Not all classes will transfer, but most general education courses will transfer. A student studying business might find it worth his time to take a summer biology course at the community college to save almost $3000 for the three credit hour course. Students will also find the benefit of a smaller course load during the fall and spring semesters.College is the time when youngsters should focus their entire time in studying so as they pass their exams with flying colors and leave with a degree in hand so that they can apply for high level jobs in reputed organizations but they end up doing the opposite, which includes the author as well, just so as to know. Therefore, it is better to have your child take home tuitions as he can be monitored on how far he has reached in studies and there is a good consultancy service in my area and they found great educators for my son, for which I am thankful.

GadgetsGuideHome ImprovementSmart Living

Essential Information You Must Know About Amazon Alexa

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Alexa is the virtual assistant program of Amazon Echo. But aside from its familiar female voice and common basic commands, there are still many things you must know about Alexa to optimize its use. For example, you may ask what exactly is Alexa, or how the Echo with Alexa Helps Seniors and other people today. It’s wise to learn about its functions and benefits as well. 

What is Alexa, to Begin with? 

For starters, Alexa is the official name for Amazon’s digital assistant. Think of having Siri to Apple and Cortana to Windows. It allows users to interact by giving commands, making Alexa respond in words or in actions depending on which is needed. 

Say, when you ask Alexa about weather updates, it will inform you the current weather condition of your local area. It’s also capable of doing things such as switching lights on or off, play music tracks you specify, setting alarm and make calls to certain people. 

How Alexa works 

To enjoy the functions of Alexa, you must first have Amazon platforms which accommodate the digital assistant. This includes Amazon Echo, Amazon Echo Dot and Amazon Echo Show; although, it’s common to find Alexa on third party products or brands as well. Think of the LG InstaView refrigerator, Ecobee Switch+ and Fire TV among other products. 

Now, you need to properly install the platform and be sure it’s equipped with microphones and speakers. These are essential communication tools which makes talking with Alexa possible. When you want to make a command, you simply need to wake the digital assistant by saying “Alexa”. This is to avoid accidentally activate the program while you’re casually speaking. 

But if somebody named Alexa lives with you, it’s possible to change the waking command of the digital assistant. You can change it to Echo, Amazon or Computer among other keywords. 

After receiving your command, Alexa will respond through the speakers. Or, it will automatically do your order. That’s without you moving a finger, or needing to find a screen to use. 

How Alexa helps many Households today 

Alexa have been doing wonders to homes worldwide. And that’s by serving certain purposes, such as: 

  1. It allows interaction between smart devices in your home. |So, you can switch the lights on or off, control temperature, play music or movies, as well as  see what your security cameras capture among other feats. Be sure, however, that you have some smart devices at home which Alexa can control. 
  2. Alexa can serve as your personal assistant in some ways as well. Think of telling her you’re waking up time, so she can wake you up accurately. She can also keep tab of essential reminders, such as meetings on certain dates, payment due dates, as well as medication schedule and dosage among other reminders. 
  3. Considering that Alexa is connected to the web, it’s easy for her to function as a source of information too. This includes asking her about mundane things, or make her say descriptions of certain topics. She’s capable of telling news reports, traffic condition and weather updates too. 
  4. Communication is another remarkable thing Alexa can do. She can make calls or send text messages for you, as long as you’d properly specify the other person on the line. She can also do it on emergency cases, such as when you need to call the fire department or 911. 
  5. Of course, entertainment skills of Alexa is quite clever as well. Yes, she can play videos, movies and audio track you specify. Other than that, she can tell jokes and riddles too, keeping your mind active throughout the day. 

The Value of Alexa in Households 

With all its capabilities, Alexa is certainly valuable for any households. It offers huge convenience and efficiency in many ways. It meets particular purposes as well, such as helping you take care of an elderly loved one. Think of using its reminder feature for keeping track of a senior’s medication, for example. 

As a bonus, Alexa helps in boosting the value of your property as well. That’s certainly helpful if you plan to sell your home later on. So, have Alexa installed in your home, and begin enjoying the benefits it offers! 

Guide

Can Deed in Lieu Stop Foreclosure?

JonWritten by:

Deed in lieu is one option offered to borrowers who have defaulted on their home mortgage loan. Instead of commencing with costly foreclosure, lenders allow borrowers to return the keys to their homes and walk away. The homeowner is not entitled to proceeds made from the sale of the property and is required to forfeit all invested funds.

Mortgage lenders are not required to enter into a deed in lieu of contracts. You can read about all that as you get a  Personal Loan Singapore. This is how you can manage the terms of your loan and the consequences that you face if you are unable to pay your loan. Those that do utilize this method to reduce costs associated with the foreclosure.

In 2007, mortgage financier, Freddie Mac, stated each foreclosure costs banks an average of $60,000. Depending on the state of residence, the cost of deed in lieu of property transfers hovers around $1500 and $2500. This cost covers the expense of Documentary Stamp Tax which is payable by the borrower.

Using deed in lieu of foreclosure can help banks avoid expensive legal fees and court costs and allow borrowers to avoid the stress and embarrassment of the foreclosure process. While it is never easy to lose your home, deed in lieu can make it a little less painful.

With that being said, deed in lieu can wreak havoc on credit ratings which can take up to ten years to overcome. Regardless of the name, foreclosure is a foreclosure in the credit world. It doesn’t matter if you willingly returned your home to the bank or left kicking and screaming as the Sheriff wrapped tape around your foreclosed property. Debtors can experience a decrease of 100 points or more from their FICO score, along with tax liens and deficiency judgments.

Before agreeing to enter into a deed in lieu of foreclosure, debtors should determine whether their lender will pursue them for the outstanding balance. Many banks hold borrowers responsible for the deficiency amount between the loan balance and sale price. This can amount to several thousand dollars and take years to repay.

Other lenders accept the sale price as payment in full; allowing borrowers to walk away without owing additional funds. This type of deed in lieu is referred to as ‘Payment in Full without Pursuit of Deficiency Judgment’ and is the preferred method. If your lender plans to obtain a deficiency judgment, obtaining legal counsel is strongly recommended.

Debtors must meet certain deed in lieu of foreclosure eligibility requirements. First and foremost, the foreclosure property must be the borrower’s primary residence. Homeowners are prohibited from vacating the premises or leaving the home empty during deed in lieu negotiations.

Borrowers must be delinquent with mortgage payments by a minimum of 31 days before a deed in lieu will be considered. Mortgage arrears caused by long-term unemployment, divorce, loss of a spouse, employment transfer or military deployment are looked upon more favorably than delinquency caused by reckless spending habits.

Deed in lieu transactions is typically handled by bank loss mitigators. These employees carry a heavy workload and are responsible for loan modifications, mortgage refinances deed in lieu, mortgage forbearance agreements, foreclosure, and short sale real estate. It is not uncommon for loss mitigators to handle more than 100 cases on any given day.

Loss mitigators do not make final home loan decisions. Instead, they review borrowers’ financial status and make recommendations to the lender. In most cases, deed in lieu is offered as a last resort. Banks take immediate possession of the property upon signing the deed in lieu of foreclosure contract.

While deed in lieu may sound inviting, it is crucial to obtain advice from a real estate lawyer prior to signing documents. Homeowners who do not thoroughly understand the process could end up owing thousands of dollars on property they no longer own. Get the facts to determine if the deed in lieu is the best financial option.

DiscoveryScience

Top 5 Most Dangerous Scientific Discoveries of the Last Decade

JonWritten by:

It is an exciting time for science. Scientists are coming up with new discoveries all the time. Many of these discoveries can improve our lives. Others, not so much. Some of these dangerous discoveries may force humans to live differently. Some of them are natural phenomena that are completely out of our hands. Still, others are created by people who think it is interesting to study things that can destroy the world. In this world of physics, all the college students are looking for physics tuition assignments. Such students can get credible content for their physics assignments here. 

The ocean is rapidly acidifying

Science Daily reported on the correlation between ocean acidification and the amount of CO2 we produce. In fact, the way CO2 affects the ocean is probably easier to understand than the way it may be affecting the climate. As Science Daily says simply, “CO2 dissolves in the ocean, reacts with seawater and decreases the pH.”

Unfortunately, the rapid lowering of ocean pH can have dire effects on marine life. Some marine life may be able to acclimate to the changes, but they may not be able to acclimate quickly enough to withstand the amount of acidification coming their way. Stephanie C. Talmage and Christopher J. Gobler published a paper detailing how the already rapid acidification of the ocean is already affecting shellfish.

An electromagnetic pulse (EMP) could disable the U.S.

While on the campaign trail, Newt Gingrich talked about how an EMP attack could disable the U.S., and kill millions within the first week. The New York Times pointed out that those fears were irrational. The scary thing is that it could happen without an attack on our country.

New Scientist explains how our own sun could send a powerful EMP our way. It has actually happened before. In 1859, the largest solar storm ever witnessed hit Earth. It was the product of a coronal mass ejection from the Sun. The electrical grid was in its infancy at the time, so it was not a big problem. If we had another one like that, it could destroy the grid, and could happen at any time.

There may be no use in worrying about such things. Just make yourself a Faraday cage for your electronics, and everything will be fine. The bonus is that Faraday cages can protect the RFID tags on your credit cards from snoops.

Bacteria is taking over

RxList explains how bacteria become resistant to antibiotics. You may have noticed how antibiotic-resistant bugs have made the news more often in recent years. That may be the result of doctors using antibiotics in totally inappropriate ways. Some doctors rely on antibiotics for viral infections such as colds and the flu, which are not even affected by antibiotics.

We may be at the beginning of a mass extinction

Scientists have begun to consider the idea that we may be at the beginning of the sixth mass extinction on Earth. A paper published in Nature points out the signs that it may be true. If it is, humans have the advantage of being intelligent beings. Perhaps we will figure out a way to survive. There is also the possibility that we are causing the problem this time and can reverse it. Even if we are not causing the problem, perhaps we can figure out ways to reverse it anyway.

We can make and store antimatter

Science News has a nice little article explaining how an international team of scientists were able to create and store antimatter. There is even a section called “How to make and store antihydrogen.” Luckily, a huge facility worth billions of dollars is one of the necessary requirements for making the antimatter.

Studies using antimatter may be extremely interesting. They may even help scientists to learn how Earth was formed. We just hope a billionaire masochistic scorched Earther doesn’t figure out how to produce antimatter on his or her own.

Tips

Major Differences Between Spray Foam and Fiberglass Insulation For Commercial and Residential Application

JonWritten by:

If you are planning to insulate your new home, one of the major things that you should consider is to choose the type of insulation that you will use. Two of the most common options for insulation are fiberglass or foam insulation. Since insulation plays a critical role in buildings and houses, it is important that you carefully choose the type of insulation to use. Insulation is used to provide resistance to the heat flow, which increases the efficiency of cooling and heating components. Choosing the right type of insulation for your house is very crucial because it determines the quality of performance and at the same time, allows you to cut cost. Basically, according to engineers, one of the important factors that needs to be considered when choosing the type of insulation for your house is the R-value of the insulating material. R value refers to the capacity of the insulation to resist heat flow. Technically speaking, the higher the R-value, the greater the power of insulation. To help you out, this article will go through the differences between fiberglass and spray foam insulation.

Spray Foam Insulation

According to most engineers, spray foam insulation is the most preferred choice due to its capacity to provide high moisture resistance feature. This is because of the cellular structure of spray foams. With millions of tiny barriers of this insulating material, it has the ability to resist the migration of liquid. Aside form this controlling moisture characteristic; spray foam insulation also ensures that it delivers long-term and steady thermal performance. When it comes to indoor air quality promotion, spray foam insulation has also an advantage. Usually, spray foam insulation doesn’t have fibers or formaldehyde and only has low volatile organic compounds. There are two types of spray foam insulation; open cell and close cell. Open cell foam is spongy, soft and impermeable to air but permeable to moisture. Open cell has 3.6 to 4.3 R-value per inch. On the other hand, closed cell foam has 6 to 7 R-value per inch. It also becomes rigid when applied to the surface. There are also some benefits of using spray foam insulation such as noise reduction, pollen and allergen prevention, long lasting and eco-friendly. However, spray foam insulation kit is significantly more expensive compared to other types of insulating materials.

Fiberglass Insulation

Fiberglass insulation is different from spray foam insulation. This type of insulation is usually packaged like rock wool in loose fill or rolls. This insulation is made of glass fibers that are thin, lightweight and cost effective as well. This is usually a practical choice used for both commercial and residential applications. Fiberglass insulation is also insusceptible to dampness and burning due to its glass structure. Additionally, compared to spray foam insulation, fiberglass is significantly cheaper. It offers lower cost and can be installed even without using any costly devices or equipment. Just like spray foams, fiberglass is also effective in reducing noise. With its millions of fiber that trap pockets of heat when applied to crevices and cracks, it allows sound proofing ability. Fiberglass has 2.9 to 3.8 R-value per inch. 

According to experts, any of these two insulating materials are effective. But with some differences, it is important to carefully consider and determine your needs and preference. Factors like prices, effectiveness, R-value, and materials are very crucial when choosing the right type of insulation. So whether you are insulating your new house or upgrading the old one, or for commercial purposes, it is necessary to use insulation with the right type. 

Business

What Are The Most Popular Sales Tracking Software In 2020?

JonWritten by:

The majority of the companies totally depend on the sales team tracking software because; one can easily track the considerable amount of key metrics. It is one of the most important things that will help you in creating a proper report and will help you in improving the efficiency of the sales team. 

To improve the conversion rate of a business, then you should make the use of such fantastic software. Whether you are earning small or big revenue, a person needs to create a genuine sales management strategy. You will have to update a genuine strategy and supervise the results carefully. The following are some fantastic sales tracking software that is offering a lot of benefits to the business owners.

  • Bitrix24

In order to track the expenditures of the marketing campaign, then you should consider Bitrix24 that are better than others. It is proven to be great because it will able to track a variety of keywords and channels that will surely be able to reduce the money that you want to spend on marketing. It is a fantastic application that is featuring a variety of best tools. It is a perfect application for those who want to improve the conversion rate of the company. This particular application is featuring the activity stream, shared calendars, and so many important things.

  • Agile CRM

So many sales tracking applications are out there, and Agile CRM is one of them. It is an incredible application that will help you in managing the sale and other important things of the company. After buying such an application, you will able to spend a considerable amount of time on lead management.  If you want to improve the revenue of the business, then you will have to invest proper time in the management. Make sure that you are paying close attention to the team’s sales pitch. A sales tracking system is a tool to help you manage your customer relationships in the company.  You will find a majority of the multinational companies totally depends on the sales tracking application. 

  • Hubspot CRM

When it comes to the powerful sales application, then Hubspot CRM is the first name that comes in our mind. It is the best ever application that is depicting the statics of sales in real-time. You will able to track the performance of the team.  It is featuring the activity logging that is a better option than others. A person will surely be able to track every action of the team that is taken in real-time. You will able to run the inbound marketing campaigns using such software. 

  • Pipedrive

Did you know a lot of companies totally depend on the Pipedrive? It is a fantastic application that is associated with the deal rotting feature that will help you in identifying the opportunities that you need to improve. Such an incredible application is featuring the antique sales report dashboard that will enable you to monitor the top performers of the company. It is considered a sales mentor that completely depends on artificial intelligence. If you want to improve the sales performance of the company, then you should use Pipedrive. 

  • Salesforce CRM

Nothing is better than Salesforce that is associated with a genuine analytics feature that is offering a considerable amount of benefits to the marketers. You will surely be able to set the return-on-investment goals.  A person can easily track the marketing campaign of the company. It is one of the great applications that will help you to predict the outcomes of the company. You will surely be able to achieve the aim in a few days. This particular application is powered by artificial intelligence. It is considered the best application that is associated with a powerful customer support feature. It will help you in improving the reputation of the brand.

  • Vtiger Sales CRM

The majority of the folks are making the use of Vtiger that is offering crunch data in an easy and simple way. It is the best ever application that will help you in tracking the different metrics and other things. You will able to track certain leads, locations, and other things.

  • Zoho CRM

If you are looking for an advanced analytical tool, then you should opt for Zoho CRM is one of them. It will help you in supervising the sales cycle. If you are one who wants to achieve the sales goals, then you should consider Zoho CRM. You will surely be able to share and export the dashboard with a team of a company.

Moving Further, these are some incredible sales tracking software that is offering a considerable amount of benefits to the company. If you want to improve the efficiency and sales of the company, then you should opt for the best application. You will able to improve the sale of a company in a few days.

Fashion and ProductsGuideStyleTips

How To Style Your Biracial Infants And Toddler’s Hair

JonWritten by:

Hair care for the infant and toddler stage of a child’s life is fairly simple for the most part due to the fact that the child’s hair length and growth will be minimal. 

The most important part of hair care and styling at this point would be proper shampooing and keeping the hair moisturized. A gentle baby shampoo or shampoo specially formulated for African American children’s hair should be used due to the delicate p.h level of a child’s hair. An adult shampoo could strip all moisture from the hair and that’s what we want to avoid with all textures of biracial hair. Hair should only be shampooed every 3-5 days to prevent stripping too much of the natural oils needed with biracial hair. One shampooing of the child’s hair should be sufficient but for infants and toddlers who crawl, walk or are very active may need a second shampooing to remove excess residue. With every hair texture and type a cream rinse or light conditioner should be used after every shampooing to properly moisturize and help with manageability of the hair. 

 

For the child with curly hair texture the key to easy styling and care is proper moisturizing and the “comb out”. A proper comb out will start with the shampoo, and conditioning. Conditioning is very important to this hair texture because curly hair has a tendency to get more tangles than other types of hair. You might want to buy a spray on detangler in addition to conditioning the hair after shampooing. A spray on leave in conditioner will detangle hair and will also be a great help to styling dry hair between shampooing. A wide toothed comb should always be used prior to any type of brushing. Hair will need to be separated into sections, combed out and detangled prior to a finished styling. Use the wide toothed comb and start from the nape of the child’s neck always combing and brushing from the ends of the hair to the root. Starting to comb at the ends of the hair prevents breakage from knotted hair, and prevents pain from pulling the child’s hair. Once all tangles have been removed apply a light hairdressing or oil to the child’s hair and scalp. The child’s hair can be styled in ponytails, braids, or naturally by styling it curly. 

Wavy hair is styled very similarly to curly hair at this stage with the main difference being wavy hair does not usually need extra oil added to the hair. Wavy hair can be easily brushed through and styled. A spray on conditioner may be helpful with this texture of hair when styling the hair dry to prevent fly aways and will not leave an oily residue on the hair. The child’s hair may be styled in ponytails, braids depending on length, or by simply brushing it and styling it natural. 

 

Applying oil to kinky hair is the most important part of styling this texture of hair laser hair removal before and after photos to make it look more fine, which also enhances the overall personality. This hair type can be difficult to comb when it is very wet as the texture of the hair shrinks. When applying oil it’s important to massage the oil not only into the hair but also into the scalp for moisture. Using too much oil or the wrong type of oil could be bad for the hair. A light oil for infant’s hair should be used until the child’s hair is much longer and thicker then a heavier oil for more moisturizing should be used. Keep in mind, though too much oil in the hair and on the child’s scalp can clog pores and attract dirt, weighing the hair down and can slow the hair growth. Using a wide toothed comb or hair pick should be used on the hair type, as brushing will partially flatten the hair in sections but won’t allow you to thoroughly comb through the hair. The child’s hair may be styled in ponytails, braids, parted, styled naturally, in an afro or many other styles. 

Finance

What You Must Learn About Home Mortgage Loans And It Processes

JonWritten by:

Purchasing a home and securing a loan can be an overwhelming and frightening process. Many people find it difficult because they fail to put their financial information in order prior to applying for the loan. This can add unnecessary delays to the process and add unneeded stress to your life. It is highly recommended that you pre-approve for a loan before you begin shopping, as this will let you know how much you can borrow. However, once you’ve determined how much you can afford to borrow and found a house you want, the process becomes quite straight-forward.

Do these properly, and you won’t have difficulties financially in your new home. It’s easy for you to get Payday Loans for Party, since you know you can pay it accordingly.

1.This step can be the most daunting as it requires organizing quite a lot of information. Your lender will require documentation to verify your employment, credit and financial situation. This may be in the form of:

? bank statements,

?gross monthly income (pay stubs),

? names and addresses of employers for the past two years,

?tax returns,

?assets (retirement, stocks, mutual funds) information

?Mortgage or rent statements

?Other loan paperwork (such as a car loan)

?any other paperwork that might have an impact upon your ability to repay your loan (including credit card information).

You should also include information about the property you intend to purchase, including an appraisal and an inspection (although these may be completed later).

2.You will fill out a loan application and provide the requested documents to a loan agent. This person serves as the intermediary between the underwriter and you. The underwriter carefully scrutinizes the paperwork to make sure everything is as it should be.

3.It may take up to a week to get the initial response from the underwriter. It is likely at this point you will need to provide additional documentation or clear up questions from your application. If there is a large, unexplained deposit in your bank account, the underwriter will request documentation to prove that amount is not a loan. If you haven’t already completed an appraisal and/or inspection, it will be requested at this time.

4.After as many as four weeks, you can expect to receive conditional approval. This means approval will be granted once certain conditions are met (for example, a missing home inspection). Once those things are complete and you have received full approval, you will be contacted by an escrow officer or your attorney to come in to sign the loan papers and any other documents added by the lender. Make sure you know if you’ll need a cashier’s check (for your down payment) or anything special in order to complete the transaction. Make sure you bring picture ID. Once you sign, it will still be a few days before your loan is funded.

5.Once the loan is funded it will “close” a day or two later. This means your loan is complete and recorded with the county.

At this point you have exited the loan process and are now the happy owner of your new home!