Amila Gamage Wickramarachchi Posts

3 Tips a Business Can Use for Improving HVAC Efficiency

Business owners have two types of expenses in their companies: static costs like rent that never change and dynamic costs like hourly payroll and materials that fluctuate seasonally. Most companies would prefer their energy bills to be static, but they can dramatically increase over time. If you’ve noticed that your energy bill is chipping into your profits, it could be time for a change. Here are three ways to decrease the energy use in your company while making your employees more comfortable.

Upgrade Your Existing System

Air Conditioning Repairs

Image via Flickr by KOMUnews

HVAC systems typically last between 15 and 20 years before they start to show wear. While some models can last 30 years, they become less efficient over time. This is particularly true in high-use situations like businesses that are located in hot or humid climates.

If your HVAC system was around to see the new millennium, then it could be time to replace it. Systems made in the ’90s have different efficiency standards than the models created today. By upgrading your system to a more efficient model, you can save energy and the environment. An HVAC technician can evaluate your model to determine how much of your energy bill is due to an outdated system and what models you can use to lower your costs.

Choose the Right Unit for Your Business

One of the main problems business owners have is finding an HVAC unit that matches the size of their business. If the unit is too large, then your energy bills will skyrocket because it requires more energy to power. However, if your unit is too small, you could end up running it longer or struggle to push cool air throughout the entire business.

Your local HVAC specialist can recommend the right size unit for your business so you can find the sweet spot between too big and too small. If you suspect your unit is too small, check to see if some rooms get cooler than others. You might need a large model or a ductless air system to cool that room.

Schedule Regular Maintenance Checks and Cleanings

An ounce of prevention is worth a pound of cure. Scheduling regular maintenance checks can help you spot problems ahead of time and reduce the likelihood of your system breaking. These improvements can also improve efficiency by removing blockages and cleaning out clogged hoses. Instead of waiting years for your HVAC system to get clogged and shut down, you can keep it running efficiently with regular cleanings.

You should also make sure your air ducts are cleaned regularly to improve air flow. This will make it easier for the cool air to travel through your office and improve the indoor air quality in the building. If you have employees who suffer from allergies or are sensitive to dust, this will be a welcome improvement to their work environment.

Don’t wait for your HVAC system to break to make changes to it. By improving its efficiency and performance on a regular basis, you can keep your office at a comfortable temperature all year round and save money at the same time.

 

Kinzd Wallet Review – Elegant and Safe Wallets

Before writing this Kinzd Wallet review, I have a question for you. Usually what are the things do you consider before buying a wallet? Is it all about secure storing of your belongings or do you also check the gorgeous designs? I am sure you look for both secure storage and beautiful designs same as me. If so, read on this Kinzd Wallet review based on my recent experience.

Kinzd Wallet review

Kinzd Wallet review

Usually I use one wallet for my cards and notes together with small coin purse to keep the coins. That is fine when I travel with the handbag. However there are times that I need to travel or go around with minimum things on hand. This is why I was looking for a wallet which I can use both notes and coins without dropping.

Kinzd Wallet review: Accordion Wallet

Kinzd Wallet review

Kinzd RFID Leather Card Wallet for Women

This Kinzd wallet I received recently does the job. It is really convenient for me to use all my cards, notes and even coins making my life comfortable.

I selected this Accordion Wallet which is mentioned as RFID Leather Card Wallet for Women Credit Card Holder from Kinzd when I was asked for a review. I simply love the elegant design and its usefulness. After using it for few weeks, now it is time for me to share my review post.

Kinzd Wallet review

This Kinzd wallet comes with compartments for cards,notes and coins

If you look for buying a wallet, you can check this RFID Leather Card Wallet which comes with below features.

  • Elegant and stylish design
  • Safe wallet with compartments for coins, cards and cash
  • RFID Blocking material to protect   credit cards, ID cards etc. from identity thieves
  • Made of genuine leather but still soft in touch
  • Easy to use and small in size
  • Money back guarantee up to 6 months
Kinzd Wallet review

Zippered compartment is really useful for storing coins or even notes.

I am really happy with simple yet elegant wallet from Kinzd.It is soft in touch and easy to use with different pockets for cards and cash.

Check more details of this Kinzd wallet by visiting here

Check more customer reviews here

Kinzd Wallet review: Women’s Large Makeup Bag

Kinzd-wallet-reviews

Kinzd Women’s Large Makeup Bag review

Kinzd is not only a place to shop women’s wallet. It is also a place for buying other storage products too including makeup bags. This makeup bag is large enough to store all the necessary makeup items for a long trip or even for a short holiday. I really love this as this is helpful for me to pack everything for makeup when I travel to Sri Lanka for long holidays. Inside the makeup bag, there are compartments including a zipped compartment which is helpful for organizing the stuff. The zippered pocket is also suitable to store money or jewelry securely.

This cosmetic bag also comes with soft and clean waterproof material which is easy to use. You can check more details of this Kinzd Makeup Bag here.

You can also buy it here.

So far my experience with these Kinzd products is really good. You can check more details and designs by visiting the Kinzd website.

Also you can buy and check more details about Kinzd wallets here.

Visit Kinzd website to find more details and product designs : www.kinzd.com

 

Disclosure: I received these products free in order to facilitate this review.However all opinions are mine.

Happy National Day Singapore!

Happy National Day Singapore! Today is 52nd birthday of Singapore. The country is in a big celebration. Everywhere it is red and white national flags and bunting flags!

National-day-singapore

Happy National Day Singapore!

National-day-singapore

National day decorations everywhere

And preschool kids too had a National day celebration yesterday starting from singing the national anthem. As a resident of Singapore, I always admire these celebrations which always create a peaceful community for every people regardless of the race and religion.

National-day-singapore

Some of the artworks found along the walking path

Yesterday my kid went to preschool with red and white dress code representing the colours of the Singapore National flag. On the way to preschool, I also captured some of the decorations done for National day celebrations.

National-day-singapore

Ready for the National Day Celebration at the preschool.(Wearing red and white to represent the national flag colours)

After the Racial Harmony Day celebrations,this is another opportunity for the kids to learn about the country,national day,living in peace and harmony and lot more which will be really helpful for them to grow as responsible citizens.

National-day-singapore

National day celebrations at the preschool

Happy 52nd Birthday Singapore!

Detoxing From Sugar? No Big Deal!

Addiction is real.

It means having a strong attraction or desire for anything, and the word itself suggests a negative connotation.

It is a force of habit, which has negative consequences, especially when it comes to our health. It may either be due to the corrosive nature of the parasitic character of the method itself.

Addiction has enormously disastrous effects on the body, mind, and soul of the addicted person. Addiction also ruins a person’s personal and social life. Society tends to discriminate against an addict in a very judgmental fashion, often to an extent where that person becomes extremely unacceptable to the patterns of society.

Such people become alienated from the routines of a normal life. Addictions tend to weaken the body and, after taking the addicted substances, the addict feels pacified or sated. However, this sated feeling does not last for a long time. It is incredibly short lived and not worth the consequences.

The problem is that in the long run, addiction results in weakening the body and paves the way for dysfunction of both the body workings and the brain. Addictions include anything: foods, drinks, or other physical substances, but also co-dependency, a hostile attitude towards others and greed.

sugar addiction is real

Human beings are programmed to like sugar and are genetically prone to enjoy sugary food more than other types of food.

Almost all of us are genetically hardwired to favor a sweet dish over anything else.

Excessive use results in diabetes, trouble losing weight and other sugar related problems that have begun to crop up recently.

Even people who do not want to take sugar are sometimes unaware of taking it because sugar is latent in almost all foods we have in our diet. Excessive intake of sugar keeps you overweight, unhealthy and fatigued. It’s not surprising then that many recent online diet programs like the South Beach Diet, Beyond Diet, Weight Watchers all ask you to cut down on sugar as much as possible (read this).

Sugar is quite hard to get rid of and can be very deadly for people who get a very little amount of exercise.

Watching diets closely is not something practical in the modern world. Most of us do not realize what is happening until it is too late. Sugar can cause addiction and sugar cravings, which is not natural.

For your health, sound and balanced life, sugar addiction can be one of the greatest impediments.

If you need to be sure of good health, a sound mind and permanent weight loss or weight stability, you have to be serious and selective about consuming sugar and sugary substances. In this post, I hope to help define what sugar addiction is, and help you identify the symptoms. I would also like to show you how to distinguish between a healthy usage of sugar and how it crosses the line to become an addictive substance.

I’ll also give you a quick treatment plan and steps on how to stop cravings. You can overcome sugar addiction! I’m here to help you do it, and the advice given in this book is sound advice, based both on experience and expertise in the subject. Rest assured. You will find help within this post, and it may just save your life.

Weight Loss and Sugar Connection

Research and studies have proven time and again that most people that remove or drastically reduce sugar from their diet are going to lose weight.

This is inevitable because when you are removing fatty processed and high sugar foods from your diet, this means you are taking in fewer calories. When you eat fewer calories, you’re going to lose weight. The numbers don’t lie.

Weighing your blood sugar levels is essential for overall fitness and well-being, healthy hormones, directing your body to burn more stored fat, and boosting your metabolism to shed pounds, according to Dr. Oz.
What happens is people make a habit of eating unhealthy sugary processed foods that trigger repeated spikes in blood sugars. This not only affects your mood and increased risk of disease, but it also interferes with your ability to lose weight.

With high blood sugar levels, you are communicating with your body to store more fat and not burn it. Balance is important, and that comes from removing extra sugars and eating a healthy well-balanced diet.

How To Start Detoxing

Having the courage to recognize you have a sugar addiction and WANTING to take action. Gain the knowledge required to create your plan and make it happen. Psychology Today experts say it takes more than six months of repeating an action to make it a habit. That’s where you don’t have to focus so intensely on the new action. Change is tough, and we are resistant to it.

FACT: If you want to leave your sugar cravings at the candy store you are going to have to crave change and make it stick. You are in control of you; so, ultimately, there’s nobody to point the finger at but yourself if you decide to jump ship and not climb back on. There are lots of different tactics and strategies to get the sugar off your plate and out of your mind.

Here are a 7 tips to get you started.

Give Yourself a Taste – WebMD dietitians believe you should start by giving yourself a little. Most people fail because they try to go cold turkey, shock their system, and quickly slip back into their unhealthy habits. Have two bites of cake or a mini chocolate bar. If you are feeling completely deprived, you are more likely to fail.

Try Finding Combinations – This one is just like sitting on the fence. You are looking to get nutritious with a little treat. Have a few strawberries dipped in chocolate. Or a sprinkle of brown sugar on your oatmeal. A nut mixture with a few smarties in it hits the spot. This will help you crave healthy foods, and the extras will soon fade away.

Flip the Switch – This is a tough move. Just be wary the first few days afterward you may be feeling a little “off.” Depending on how much sugar your body was used to. Your cravings will dissipate, but you have to be willing to wait it out.

Turn Up the Fruit Volume – Initially, this may seem like a cheap consolation prize. Out of your Halloween treat bag do you want an apple or a peanut butter cup? By eating more fruit, you will curb your craving for fructose faster. And if you stick with it long enough you’re going to start craving all-natural ripe and tasty fruit!

Take Up a New Hobby – I call this one the distraction method. If you start thinking about chocolate ice-cream or fresh baked cookies, hop on your horse or practice your golf swing. Get excited about something new in your life to help forget about sugar.

Get Support – It’s funny in life how many times we are okay with disappointing ourselves, but we’re not so good with letting other people down. Shout it out to the world your commitment to knock excess sugar out of your life and let your cheerleaders help keep you on track.

Eat every 3-4 Hours – By making sure you eat small meals regularly, you’ll keep your blood sugars level and ward off sugar cravings. Willpower gets incredibly difficult on an empty stomach. Get Back On Your Horse – If you happen to fall when you’re out with friends and decide to eat a big ice-cream sundae, or you dive into the cookie one night when you were feeling bummed; pick you up and move on. Don’t worry about it, because we all steer off course from time to time. One slip up won’t kill you. Just make sure it’s the exception to the rules.

What You Can Eat On The Sugar Detox

sugar is evil

Sugar is evil, and it will sneak up on you in the most hidden ways. If you are even remotely looking to lose weight, an addiction to sugar has to be quit, you absolutely need to go cold turkey. You cannot keep living your life according to ‘just one more dinner roll, and I will quit.’
Carbohydrates and sugars are as addicting, if not more so than a drug and for this reason; all sugars must be cut out of your diet completely.

Part of quitting sugar is to know what you can and cannot eat. While the diet will be focused around wholesome foods like proteins and nutrient-dense veggies, there are still foods that you must avoid like potatoes and similar starches. Keep reading to learn the foods to eat and avoid on the 21-Day Sugar Detox Diet.

Proteins – Proteins are an essential part of the sugar detox diet since they keep you feeling full and help balance your blood sugar. It is especially beneficial to start the morning with a breakfast packed full of protein.

Vegetables – Low-starch veggies are encouraged on the Sugar Detox Diet. They contain carbohydrates, but these are not digested the same way that starches and sugars are. In fact, you can eat as many fresh veggies as you want since they are low-calorie and full of nutrition.

What You Cannot Eat

Processed foods – ‘Healthy’ foods like yogurt and granola bars may be full of sugars or artificial sweeteners that harm your dieting efforts. Others like pre-made lunches and crackers are even worse. Avoid all processed foods and replace them with wholesome choices that will help curb cravings and leave you feeling full and energized.

Grain products – In the first ten days of the diet, you should avoid all grain products. Switch out tortilla shells or a hamburger bun for a lettuce wrap. Avoid artificial sweeteners and additives for your coffee, as well as sports drinks and other sugar-filled products.

Starch-filled Vegetables – You should also avoid any starchy vegetables in the first ten days of your diet. This includes winter squash, sweet potatoes, beets, and other potatoes (red, white, yellow, etc.).

Dairy – Something else to avoid in the first ten days of the 21-Day Sugar Detox Diet is dairy products. This is because you may have a sensitivity to the lactose in dairy without realizing it. You can switch this out for alternatives like almond milk and soy.

So that’s it, simply by eating the foods recommended and avoiding the ones mentioned above, you should be able to reduce your sugar cravings and addictive behavior by at least 75-80%.
As for weight loss, simply give this way of eating a try and you will actually start losing weight without even doing anything else!

BONUS: The 5 best drinks on the detox

Water: When it comes to hydration, water is the best option for people with diabetes. That’s because it won’t raise your blood sugar levels. High blood sugar levels can cause dehydration. Drinking enough water can help your body eliminate excess glucose through urine. Women should drink approximately 8 glasses of water each day, while men should drink about 10 glasses. If plain water doesn’t appeal to you, create some variety by: adding slices of lemon, lime, or orange

Unsweetened tea:
Research has shown that green tea has a positive effect on your general health. It can also help reduce your blood pressure and lower your LDL cholesterol levels. Some research suggests that drinking up to six cups a day may lower your risk of type 2 diabetes. However, more research is needed.

Whether you choose green, black, or herbal tea, you should avoid sweeteners. For a refreshing taste, make your own iced tea using a chilled fragrant tea, such as rooibos, and add a few slices of lemon. If you don’t mind caffeine, Earl Grey and jasmine green tea are also great options.

Unsweetened coffee: A 2012 study found that drinking coffee might help lower your risk of developing type 2 diabetes. Researchers found that the level of risk dropped even lower for people who drank two to three cups per day. This also held true for people who drank four or more cups per day.

This applies to both caffeinated and decaffeinated coffees; so, if caffeine makes you jittery, feel free to grab a cup of decaf. As with tea, it’s important that your coffee remains unsweetened. Adding milk, cream, or sugar to your coffee increases the overall calorie count and may affect your blood sugar levels.

Sugar-free fruit juice: Opt for something that’s sugar-free and 100 percent juice. If you’re using a meal plan, make sure you account for the juice you choose. On average, four ounces has about 15 grams of carbohydrates and about 60 calories. You can also try vegetable juice alternatives.

Blend a mix of green leafy vegetables, celery, or cucumbers with a handful of berries for a flavorful supply of vitamins and minerals

Low-fat milk: Dairy products contain helpful minerals, but they add carbohydrates to your diet. Always choose unsweetened, low-fat, or skim versions of your preferred milk.

You should limit yourself to one or two glasses a day. You can also try dairy-free, low-sugar options, such as fortified nut or coconut milk. Be aware that soy and rice milk contain carbohydrates.

Concluding…

Sugar addiction is a big hurdle when it comes to weight loss. You can give your health and weight a big boost by drastically reducing the amount of sugar you consume.

If not for anything else, at least give this 21-day diet a try for the sake of your body, and just gauge how you feel after just 3 weeks.

I am willing to bet my hat you’ll stick with it for many more months or years to come!

Parental Advice: Active Learning for Kids

Educational organizations such as schools, colleges, universities ensure that they do the basic job of educating their students by teaching them what they need to know. This type of education is rarely ever useful and consists of the student taking a bunch of notes and then doing their own research to understand the topic better, which makes attending the class and lectures a waste of time.

However, in the case of primary or secondary schools, the age criteria is a lot younger than that found in college or university levels. Needless to say, the minds of children and the minds of adults differ in a lot of aspects and the way that they grasp and learn things from the information being given to them is a lot more different too. Because of these reasons, children need more things to help them interact and take part in fun educational activities.

Active Learning for Kids

Active learning refers to helping your children learn, not by writing and memorizing but by incorporating fun and interactive activities as well as props to help them understand things in a creative way. It is the concern of many parents to promote active learning for their toddlers and following are two ways to do just that:

Educational Toys

Active Learning for Kids

You don’t necessarily have to pick up a set of boring textbooks in order to educate your child. Although pictorial books help the child to learn certain things, there are a lot of toys, such as basic mathematics element. In a market that sells children’s toys, you’re likely to find dozens of good educational toys that help to not only sharpen the brain but make learning a fun, easy and creative experience for kids. There are several toys that you can find that are perfect for serving the purpose, and also allow parents to have a fun time educating their children.

Plan a Field Trip Yourself

Often times, we wait for the schools and educational institutes to arrange for a field trip event, such as a visit to the museum, or just a picnic at the beach. But, you don’t necessarily have to wait for other people to plan these things in order for them to happen. Take your children to interesting places to do something fun such as whale watching. This will boost their confidence and satiate their natural curiosity for new places and experiences.

Active Learning for Kids

The sooner you introduce your child to the love of animals, the more you will see how they flourish as human beings. Plan a trip to take your children to a nearby zoo or a sanctuary of marine animals, and have them observe things such as the migrating behavior of whales. This is also a good way to instill in them a love for animals.

Such things can greatly encourage your children to observe how different living organisms function and behave in a completely different atmosphere such as the ocean.

The Burden of Debt Arising because of Home Loan

The amount of money that is borrowed by one party from another is known as debt.  The money has to be repaid by the borrower within a specified date with interest.  A home loan is an agreement between a borrower and lender where the lender lends money to the borrower so that he can buy his property. The property is kept as security for the amount of money borrowed.  There are only a few people who can buy their house property without any financial aid. Let us discuss a few reasons for applying for a home advance.

burden of debt arising because of home loan

Different aspects of loan

Loans for homes can last for several numbers of years. It may exceed beyond ten years. You should apply for loans and make loans for repayment in an appropriate way.

  • Closure of advance by prepaying

You may go in for the closure of advance by prepaying the remaining portion of debt. You may be levied prepayment charges by the lender. It all depends on the terms of agreement.

  • Opt for one with prepayment facility

If you do not want to make that extra payment, then you should opt for a debt with prepayment facility. There are many companies which do not charge anything on the foreclosure of loan.

  • Capital appreciation

Investment in a real estate is a wise decision. In recent times, rents for homes and costs of construction are constantly rising. Now you may go in for a home debt by browsing online.

  • Take possession of your dream home

From the comforts of your home, you may make a well-informed decision. With an appropriate debt amount, you can finally be able to possess a house property of your dreams.

Hburden of debt arising because of home loan

Entitlement to Tax benefits

You will be entitled to certain tax benefits and can save to a considerable degree by taking a home debt. You can also claim tax deductions on the interest portion of loan. Deductions are also available for the processing fee. Visit here to learn more about it.

Rates of interest depending upon your requirements

There may be a fixed interest rate or floating interest rate associated with the home debt. A fixed interest rate is set at a certain amount and remains the same till the completion of payment of loan. A floating rate of interest fluctuates with the conditions of the market. You should opt in for a fixed or fluctuating rate depending upon your requirements.

Decision of taking a loan or not   

Taking a loan on home is a huge investment decision. It is a long term plan. Most of the people make home loans for a period which may extend up to thirty years. Many of them go in for floating interest rates. It is not a wise idea to make such a major decision solely by rate of interest. Twenty years or thirty years tenure is a long-term matter, and it is impossible to predict the outcome as the rates will be subject to changes. Once you decide to opt for a home loan, you should start your search for an appropriate lender who can offer the best terms after examining your eligibility criteria.

 

 

Assess the Amount of Home Equity you would Require for Debt Consolidation

Homeowners from every nook and corner are taking up debt consolidation for turning out loans for home ownership. Compared to other lines of credit they carry lesser rates of interest. Once you secure a loan for the home equity, you may also aid your finance for expenses and life events that are unexpected. Having equity in homes, you become qualified to use the home equity to integrate debts and to pay lower rates of interest. The rates of interest can be paid on a monthly basis. When you develop the interest to use home equity loans for the integration of debts, here are a few steps you must take before you commence.

Do Apprehend

The prime step towards home loan equity is the understanding of how debt integration mixes with your financial obligations. Debt integration loan may often be used for credit card payments, miscellaneous debts and auto loans. These loans can be consolidated into a single monthly payment with a low fixed rate of interest if you desire. However, there are times when despite your low monthly payments you end up paying more interest over the loan life. This can be an incidence if the term of the loan is longer. Therefore understand the whole process of home loans equity, better for prescribed payments.

Do Congregate

If you want to qualify the criterions for home loans equity, you ought to have enough ownership because you will have to borrow against the home value. Before starting to contact the money creditors, you must muster all loans, bills and latest statements you wish to consolidate. Once this step is done, you will be curious to know about the amount you owe.  You will also want to enquire about the annualised percentage rate you are paying currently and whether there are more payments you are making than the minimum amount per month. There are a few bills and statements that are suggested to be considered too.

Enumerate and scrutinise

After having compiled all the valid statements and information check online for the debt integration calculator. Figure out the total debt amount that needs to be paid off and your possible savings amount with debt integration. The calculator of debt consolidation is a free tool to help people enumerate the amount they need for consolidating their debts. Despite being very helpful, they cannot replace a financial planner. Finally, conduct your research or scrutiny to make out if the home loan equity that is secured is the perfect choice for your situation.

You must contemplate

Once you have done the final decision of utilising the home loan equity for debt integration, you must always consider the implications of it. You must arm yourself with enough knowledge to make a choice whether consolidation of debts can improve your situation financially. The next step is to contemplate your options for the kind of debt integration you would need or require. After having made considerations if you see you have enough home equity and are seeking for a lower loan interest then home loan equity for debt integration can be the perfect choice for you.

People struggling with credit card debt issues are suggested to check out for credit card debt relief so that you can make things easy for yourself and have a happy and stress-free life. Getting rid of debts and having a debt free life is a dream of everyone and if you plan well you can surely acquire the same.

Importance Of DTI Ratio While Working On Home Mortgage Loans

It does not matter whether you are ready for the mortgage qualification or not, but debt to income ratio always matters a lot. The income’s percentage, which goes for paying the mortgage debts, can always help lenders to figure out bit monthly mortgage payment, which you are able to handle. It is quite important just like your credit score and also like job stability. Lenders make it a point to work extra hard and calculate the said debt to income ratio. For that, they are going to divide monthly debt obligations from gross, income or pretax. Majority of them look for 36% or less than that, however, there are some exceptions available in the market.

Importance Of DTI Ratio While Working On Home Mortgage Loans

Checking on the ratio

The ratio is basically known as DTI in the mortgage industry. It helps in answering the amount, which you can afford for the house. It becomes a great guide for all the mortgage lenders out there, who are willing to find out the amount they can borrow. But, remember that DTI is not the full story as it has some more to it. It helps in leaving out some unavoidable monthly expenses, like utilities, food, health insurance and definitely transportation costs, among other variations. It is mandatory to keep these in mind as you are able to evaluate ability to buy a home.

Importance Of DTI Ratio

How DTI can work?

When it comes to ratio, there are practically two types relating to DTI. The first one is defined as front end ratio, which is also known as household ratio. This is basically the dollar amount relating to expenses of your home. Some examples are property tax, proposed form of monthly mortgage, homeowner’s association fees and even insurance ones. These are collaborated together and finally divided by the gross income on monthly basis. You can visit here to get some more ideas on it.

The second ratio type

Other than the front end ratio, you have back end ratio as another important option under house mortgage industry. This comprises of all forms of debts, which you need to pay on monthly basis. Some examples are student loans, credit cards, car loans and even personal loans. This is added with the proposed expenses of other household. These back end ones are a bit higher and would like to take into account some of the reliable monthly debt related obligations around here. The more you get to know about it, the better options you are about to come across for sure.

The areas matter the most

Mortgage lenders ensure to check both the types of DTI ratios, before working on the home mortgage process. But if you had to compare between front end and back end options, the latter forms major services now. It helps in taking the entire debt load into proper account. Lenders always make it a point to focus more on back end ratio for some conventional mortgages, along with loans, which are offered by online mortgage lenders or banks and not by any government programs. Get to the core of the values, before it gets too late.

6 Mistakes to Avoid When Hiring an HVAC Company

Is your HVAC unit in need of repair? If you’re looking for a company to fix it for you, it’s important to remember that, unfortunately, not all of them are reputable. These companies can do more harm than good, so you should hire the right one for the job. Dishonest companies will try to push unnecessary services like monthly maintenance plans that don’t cover anything or come up with mysterious charges once the job is done.

Sometimes they’re not even real businesses, and if they happen to be uninsured, any damages to your equipment won’t be covered. Learn about the six mistakes to avoid when hiring an HVAC company.

Not Get Everything in Writing

Signing Paperwork

Image via Flickr by danielmoyle

It’s not uncommon for dishonest businesses to add unexpected charges to your bill, take longer than usual, or use more expensive components than previously agreed. Instead of entering into a verbal agreement, have a written contract with the company discussing the length of the project and any materials that will be used.

Not Checking If the Company Is Real

Even in this day and age, there are fraudulent companies that slip through fiscalization and work with no licenses. They pretend to be real businesses and perform services that they don’t have permission to do. Check your local organization to make sure the company is licensed.

Ignoring Customer Reviews

If a friend of yours had a horrible experience with a company, you’d think twice before hiring them, right? You should check all the reviews before contacting a business to repair your cooling and heating equipment. If there are too many bad reviews, it’s a sign you should avoid the company.

Buying an Unnecessary Monthly Maintenance Plan

You don’t need a monthly maintenance plan for your HVAC unit. Reputable companies will check your equipment once a year or when a serious issue takes place. They want to ensure your unit is working efficiently (therefore reducing your energy bill) and most of the time will offer a one-year warranty to guarantee you’re satisfied.

Hiring a Company With No Insurance

Imagine hiring a company for a regular check up, and they end up breaking your HVAC equipment? If the company is uninsured, you’re unlikely to receive any compensation unless you take them to court. If you’d like to avoid a massive headache, insist on checking whether they carry any insurance.

Not Comparing Rates With Other Companies

Unless you live in a small town, there are likely to be a few companies offering HVAC maintenance services. You should research other businesses and check their prices before hiring any services. You can save a lot of money by avoiding a company which would otherwise overcharge you.

At the end of the day, heating and cooling equipment is expensive and needs to be properly cared for. In the same way you wouldn’t lend your car to an inexperienced driver, it’s essential to leave your HVAC unit in professional hands. Just remember to check the companies thoroughly, so you don’t end up hiring a bogus business.

Food Safety Tips for Children

Everyone is at risk of getting food poisoning. However, babies and toddlers have a higher risk and once young children get food poisoning, they have a hard time getting well. You can always avoid food poisoning with the following simple steps.

Food Safety Tips for Children

Preparing And Handling Food Safely

Young children are vulnerable to food poisoning because they don’t have strong immune systems to fight any foodborne infections. According to CDC, children under 3 years of age have a higher rate of hospitalization than those above 3 years of age. That’s why you need to prepare and handle food safely when feeding younger children.

 

When feeding young children, you need to avoid the following:

 

  • Unpasteurized dairy products such as milk or cheese
  • Foods that contain raw eggs or partially cooked or raw eggs
  • Undercooked or raw poultry or meat
  • Undercooked or raw shellfish or fish
  • Raw sprouts
  • Unpasteurized juices

 

Other foods you should avoid giving your child include the following:

 

  • Honey – Give it your child after they turn 1. It contains spores of toxic bacterium that causes botulism, a very sever foodborne illness. The bacterium is often found in soil and children under the age of 1 can’t process it properly.

You should also avoid feeding babies their food right from the jar. Double dipping introduces bacteria from the child’s mouth into the food through the spoon. The bacteria might grow in the leftovers causing food poisoning. Rather, it’s advisable to remove the food from the jar and place it in a feeding dish and feed your child from it. Any jars of baby food that haven’t come into contact with the baby’s saliva should be capped and refrigerated under 40 degrees F or below.

 

Additionally, you should save:

  • Any opened strained fruits for 2 or 3 days
  • Strained meats for 1 day
  • Meat and vegetable combinations for 2 days

Note that, unopened jars of baby food have the same shelf-life as other types of canned food.

 

Choking Hazards

Food Safety Tips for Children

Pre-schoolers, toddlers and babies have a very high risk of choking. That’s because their teeth are not strong enough to chew tough food into smaller and digestible particles. To prevent your child from choking, you should avoid giving children under 4 years of age the following:

 

  • Small Hard Foods – Popcorn, nuts, dry flake cereal, pretzels, seeds, chips, raw peas, raw carrots, raw peeled apples, raw carrots, cherries with pits, cherry tomatoes, pear slices and whole kernel corn. Break these foods into smaller pieces for toddlers rather than giving them whole pieces.

 

  • Slippery Foods – Poultry, large pieces of meats, grapes, cough drops or lollipops. You should chop meat, grapes, poultry or any other food into smaller pieces.

 

  • Sticky Foods – Such as gum, marshmallows, peanut butter, jelly beans, taffy, gummy candies, fruit leathers or peanut butter.

 

You should always practice safety at all times when feeding your children. You should give toddlers finger foods such as cheese, bagels, banana pieces or graham crackers strips. You should always watch young children when they are eating. You should force your children to sit down when drinking or eating rather than running, lying down or walking. Encourage your children to take their time and chew their food properly. You should always look for warning labels on all foods, especially those with high choking risks. You should be prepared to provide first aid whenever your child is choking.

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