Getting a Mortgage Renewal

The Mortgage Renewal Process

A mortgage renewal can be described as a new agreement to extend mortgage terms with your mortgage holder. Since you’ve probably jumped through a lot of hoops to get your application approved, you most probably haven’t thought about the renewal process. At least not until the letter comes through the mail.

Unless the amount owed has been fully reimbursed, the mortgage holder can either renew the mortgage or demand payment in full if the mortgage is not renewed. If you have made your payments regularly, the renewal process would go without a hitch and you can choose to stay with the original lender. The renewal is mostly like renewing car insurance: renewal papers are sent to you to be signed and returned. A new mortgage, based on the new amount owed, is then put in place.

But there are important factors you might want to consider before agreeing to the same terms as the previous mortgage. This could be an opportunity for you to renegotiate the terms of your contract, including the length of the term, the interest rate, and even your lender. Read on to find out more.

Short Term vs. Long Term Mortgages

Some people try to take out the longest mortgage term possible when interest rates are low and choose to take out shorter terms when interest rates are high. They bank on the possibility of interest rates dropping by the time they need to renew their mortgage. We would not recommend you adopt such a strategy without first consulting a mortgage professional.

What to Expect During the Mortgage Renewal Process?

You might be tempted to think that mortgage renewal is just a hassle that will take more of your time, but you couldn’t be more wrong. Changing the terms of your mortgage means that you can change the contract to better align with your needs.  

Most lenders are required to send a renewal statement at least four months before the end of the term. Instead of keeping an eye on your mailbox, waiting for that statement to come through as the term nears to its end, we have better advice for you.

Reviewing Your Mortgage Options

Here’s what you can do. Four months before your term is up, start researching other potential options that may be available to you. Find out what other lenders are offering, what are their mortgage rates and prepayment options, among other conditions. Armed with this, you can either renew your mortgage with your current lender early or negotiate for better conditions.

Most people make the mistake of renewing their mortgage with the same lender that holds their current mortgage because they don’t want to have to go through the hassle of switching lenders and providing documents needed to qualify for a mortgage with a different lender. Although it’s much easier and more convenient to simply accept the terms, sign the document, and send it back, you might end up doing yourself more harm than good. Instead, reassess your current financial situation and look into interest rates and costs of switching mortgage holders.

DLC Mortgages INC. can help you assess your current financial situation and your current mortgage terms. Just signing a contract without considering other alternatives could hurt you. Hence, with the help of experts, reconsider your financial goals and create an outline your mortgage needs. When choosing a mortgage rate, term and product, factor in your new net income, your present situations and your plans for the future. Along with your financial goals, you should also be mindful of what you want from the mortgage term:

  • Do you want to increase your mortgage payment amount?
    If so, can you afford to pay this amount?
  • Do you think you might be able to pay off the amount due in this term?
    If yes, ask about prepayment penalties that go with fixed vs. variable rate mortgages.
  • Is there a possibility of you receiving a bonus or an inheritance that you could put towards your mortgage?
    If so, consider looking at lump sum prepayment options.
  • Do you think there’s a chance of you selling your home and moving in the coming years?
    If yes, get a mortgage that is portable or assumable.

Mortgage Renewal Problems

Unless you’ve missed out on some payments or your financial situation is completely different from what it was when you initially contracted the mortgage, you shouldn’t have a problem at renewal time. If your credit has dropped significantly during your mortgage term, your lender may choose to not renew your mortgage. In such cases, you can always take your mortgage to another lender. But there’s always the risk of you having to pay higher interest rates. Hence, if your mortgage is coming up for renewal soon, try to stabilize your finances so your renewal does not get denied.

The Ultimate Guide to Line-X

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What Exactly Is Line-X?

LINE-X is a spray-on protective coating that has the capacity to make almost anything seemingly indestructible! This product, made from polyurea, is a thin protective coating rated as safe for use even in potable water containers. Since polyurea is a durable material able to withstand corrosive chemicals and fire damage, the coating creates an impeccable, virtually impenetrable shield. It binds onto almost any material, adding an additional layer of protection and toughness.

Physical Properties of Line-X

Used mostly in truck bedliners, LINE-X provides tough corrosion-resistant protection. From tensile strength to hardness, Line-X is designed to provide the highest level of performance and durability. Below are additional properties of the spray-on coating:

  • No volatile organic compounds present in the product, hence making it environment-friendly and safe for potable water applications
  • Displays fast cure times with excellent adhesion
  • Can be sprayed vertically without dripping
  • UV stability
  • Available in different colours
  • High chemical resistance
  • Noise dampening and vibrations abatement

Why Use Line-X?

Line-X can be used to coat coolers, vehicle fenders, grille guards, propane tanks, bumpers and trailers. In fact, Line-X products can safeguard wood, cement, masonry, drywall, aluminum, metal, concrete, Styrofoam and fibreglass.

It is specially used to protect the paint on vehicles. Since paint jobs do not deliver ‘indestructible’ protection against wear from gravel roads, sun exposure and regular road hazards, many truck owners choose to get a full-body protective coating that stops their vehicle’s paint finish to deteriorate.

Here’s how Line-X spray-on coating has the ability to take on the harshest elements and fight every day wear & tear:

It offers abrasion and impact protection

Studies and several laboratory tests have shown that Line-X sprays outperform materials such as carbon and stainless steel when it comes to resistance to abrasion and impact. Regardless of the severity of conditions to which the material was subjected, the coating proved to be almost impenetrable.

It offers enhanced durability

Since LINE-X bonds to most materials at the molecular level, it creates a unique composite that is highly strong, flexible and durable. Unlike any other sprays out there, it is also flame-retardant and UV-resilient. The UV stable coat that is applied delivers a tough coating that minimizes fading and sun damage.

It offers a corrosion-resistant coating

Corrosion prevention is an added benefit to LINE-X coatings. Designed to create a seamless protective barrier between the equipment and harsh environmental elements, such as high humidity, extreme temperature changes and saltwater, it protects the vehicle from small scuffs or more serious scrapes, thereby preventing rust from forming.

It creates a watertight, seamless barrier

LINE-X coatings provide an unbreachable barrier that is ideal for storage purposes. It can be used for secondary containment applications areas, such as the storage of harmful environmental contaminants, petroleum products, or other volatile or unstable chemicals.

Line-X Used for Commercial Purposes

Engineered to meet the needs of a diverse range of customers, Line-X offers coating solutions that can protect and prolonge the life of a wide range of assets. Whether for business or municipality, the spray can be used to protect infrastructures, utilities, construction equipment, transportation, or service and fleet vehicles.

It not only enhances durability and extends the lifespan of the products, but Line-X also prevents leaks, rust, and corrosion. Thanks to that, it will ultimately reduce any potential maintenance costs.

Line-X for Vehicles

From bedliners to rocker panels, marine hulls and boat trailers, the tough coating protects from the harshest of elements. This unmatched protective coat has you covered! When expertly sprayed by highly trained technicians, Line-X offers a nearly indestructible coating.

When done right, you can explore any environment with confidence because your vehicle will be highly resilient to staining from harsh chemicals, leaks, rust, & corrosion.

Line-X for Residential Purposes

The versatility of Line-X protective sprays ensures that it can also be used in homes. In addition to being relatively inexpensive, the coating enhances any home environment by insulating, dampening noise, waterproofing, and repairing cracked floors. Scuff-resistant and UV stable, LINE-X coatings applied with clear, high-gloss sealer never disappoints.

Using the same product that makes bedliners, fire hydrants and military vehicles virtually ‘indestructible’, the spray-on coating can also protect outdoor furniture from rusting.

Line-X for Industrial Purposes

Line-X products can also be used across a wide range of industries. From corrosion-resistant coatings to impact-resistant coatings, the polyurea coatings can keep equipment from getting damaged. With onsite installation and rapid cure times, the sprays can increase workplace safety and maximize production time leading to the factory running at optimum efficiency.

Line-X for Agricultural Purposes

With its ability to protect and extend equipment lifespan, Line-X provides protective coatings solutions that farmers can rely on for maximized efficiency and harvests. Designed to safeguard crucial equipment and machinery, Line-X sprays can help minimize downtimes and lowering operating costs. As productivity is increased, there are higher chances of good product yield.

Why Choose a Catering Service?

Organizing, planning, and hosting an event of any size is a large task. The long list of to-dos and only so much time before the day of your event. This long list can make the entire process a stressful ordeal. In our minds, events are supposed to be fun and enjoyable – both before and the day of. A large portion of planning for an event is food – knowing the number of people you need to feed, figuring out what food you want to serve, preparing the food, serving the food, and cleaning up once your guests leave. Below, we share with you five important reasons to consider on why you should consider hiring a caterer for your next event.

Create a List of Needs

One of the most important things that you must do before reaching out to a catering businesses is to create a full list of needs for the party, including the date and time of the event, number of attendees, location and setting of the party, whether or not there is a kitchen or at least refrigerator on-site, and whether or not you would like the caterer to provide alcohol for your event catering. Also, make sure that your list of needs is well-written and consistent throughout all your conversations with the various catering companies, ensuring that you receive accurate quotes that match your needs.

Determine Your Catering Budget

Perhaps the most important element dictating the results of your party catering is the amount of money that you have in your budget for the caterer. Most catering services start out at $25+ a person, and the price will go up as additional features are requested, such as a wait staff, alcohol, fancy serving platters, rented tables, chairs, and linens, etc… are included. Before you reach out to the first set of catering companies, make sure to create a hard budget for your event.

What About the Menu?

Another important consideration is the type of food served, the variety found in the party catering Albuquerque menu, and whether or not the company offers vegetarian or other styles that match your participant’s dietary restrictions. Also, consider the type of ethnic food offered. Mexican food is very popular in the United States and is considered a good option for corporate events. Another cuisine, like Indian or Thai food, is delicious and may be appreciated by some of your more adventurous guests, but may be considered too foreign for a typical business function.

How Is Food Served?

Depending on the type of event that you are organizing, this may be the single most important factor in choosing a party catering business is their ability to make the event look professional. Let Sarah Brown’s Catering staff create a professional menu and aesthetic for your next professional event.

Taste It!

Your catering preparation is never complete until you taste test the menu in-person. One of the last, but most important steps, in securing catering Albuquerque is to stop by the restaurant and test the food in-person, making sure that the food matches the descriptions and that the taste is up to your standards. Before going into the restaurant, make sure to inquire whether the tasting step is included in the overall package price or whether you will be expected to pay more for it.

Alcohol

Another key issue that you will want to discuss with your caterer and own team is whether you intend to serve alcohol at your event. Some catering package comes with beer pairings over five courses; however, do discuss custom alcohol serving options with you to meet your needs. Not all event catering Albuquerque has this option, so make sure that your catering company has an active alcohol license before signing a contract.

Attention to Detail

Look out for a catering company that will take time to perfect and present your food and beverage options in a way that will wow your guests. Choose the catering staff who have the skills, experience, and patience to make your vision a reality. Also, one that can adapt to any venue environment to make sure your food and beverages fit the scene and look perfect.

Tables and Decorations

One of the most important, but frequently, forgotten elements of catering is figuring out beforehand who is in-charge of the rental equipment, such as tables, chairs, linens, silverware, and glassware. A party with food but without any of the above items would be a strange party indeed!

When you’re planning your next event, really consider the time and how you will realistically get everything done. Turning over the food portion of your event to a catering company like Sarah Brown’s Catering can let you focus on other planning essentials and the bigger picture – enjoying your party and spending quality time with your guests. They provide reliable and professional services in Great Neck, New York. Get in touch soon!

What You Have to Know Before Applying for Business Loans in Melbourne

Getting a business loan is not an easy process. From finding out which options are available for your business to which of these packages best suits your needs and have the best interest rates, applying for a loan can be quite challenging. That’s why every loan lending entity has an in-house expert to guide you through every step along the way.

There are various reasons for which businesses need to seek loans. Whether it is for purchasing stock, for opening a new store, for a new marketing campaign or due to unexpected expenses, the business will need to prepare a detailed business plan. This will tell the lender everything they need to know about your proposed venture, making it easier for them to advise you about the type of financing that is best suited to your needs. But sitting down with that adviser for the first time and having them lob complex jargon terms at you can make it even more confusing and you might just end up not getting the deal you really wanted. So, this post is designed to ease you in and help you go to that first appointment on a better footing.

Once you’ve come to the decision that your business needs a loan, you’ll need to determine the amount you’ll need to borrow, the type of loan you need and for how long will you will need it. You then have to determine if your business can afford to repay the amount borrowed, including interest and any other additional fees, such as application fees, exit or discharge fees and early termination fees. Try using the online repayment calculators lenders offer on their website to assess your monthly repayments. Consider looking into the type of security you can offer for the loan because most lenders will expect that. In some cases, if the type of security you are offering is satisfactory, the interest rate may even go down.

Depending on the number of times you’ll need to access the borrowed funds, you can choose to go for either an ‘at call’ loan or an upfront loan. ‘At call’ loans are overdrafts or line of credit that you can access to withdraw money even if your account is below zero. It will help keep your business running while waiting for your clients to settle their debts. This type of loan has no fixed terms and the higher the amount borrowed, the higher the fees will be. Additionally, unless otherwise stated in your contract, the lender can demand at any time that you pay back the whole amount borrowed.

For upfront loans, on the other hand, the entire loan amount is made available to the borrower all at once. This is generally the option you’ll want to pick if you are planning on buying a new business or buying equipment for your business. Unlike ‘at call’ loans, upfront loans will require that repayments are made regularly. However, the longer the loan term, the more interest you’ll end up paying. It would be advisable to calculate the repayment amount your business can afford to service so you can determine the amount you can borrow and for how long.

The next thing you might want to consider is the interest rate that will best suit your business. Rates can affect the repayment amount and the total amount paid at the end of the term. Unlike with variable rate loans, with fixed-rate loans, the lender bears the majority of the risks. If you believe your company will be able to pay back the loan even if the rates climb, a variable rate loan may suit you. However, if your business has a low-profit level, you might want to stick with a fixed-rate loan as the predictability of the monthly repayment will help you better manage your cash flow.  

Lenders also offer you the possibility of securing your loan. While you may choose to take an unsecured loan because you don’t have an asset that you can offer as security, these types of financing usually have higher interest rates and are more difficult to get approved. However, secured loans involves offering an asset for the loan. The asset can be a property, such as residential or commercial. In most cases, the more security you provide, the less the interest rates will be and the higher the chances are of getting your request approved.

So essentially, it burns down to:

  • deciding how much you need for your project,
  • calculating what you can actually afford to pay back,
  • choosing between fixed or unfixed rates,
  • and choosing the type of loan security you will take.

You just need to ensure that you will be able to repay your loan on time, so that the lender does not seize the property or asset you offered as security and sell it.

The Ultimate Guide to Choosing a Cold Storage Warehouse

If your company ships temperature-sensitive products, such as perishable food and medicines, you’ll have to find the right facility to house them. A critical part of the supply chain, it is used to store grocery products that can’t survive in normal storage conditions. Choosing the right facility is primordial if you don’t want to end up with ruined inventory. Keep on reading for a complete cold storage guide that will tell you everything you need to know.

Why should I use a cold storage warehouse to store my products?

While you may keep your products in your own cold storage room if your company has one, it will gradually get more challenging as your company grows. The bigger the company, the wider will your customer base be, the more products you’ll be selling and the more cramped your cold storage room gets. So, even though you can get by with a small storage room when your business is small, eventually your products will no longer be able to fit inside, and you’ll have to start looking for other options.

Do cold storage warehouses offer only storage services?

No. Far from it! Cold storage warehouses do not only store your products but also offer refrigerated courier vans for the transportation of goods. However, if you use your own cold storage room, you’ll need to hire courier vans yourself. Cold storage warehouses typically employ people to process, package, and ship those goods through refrigerated couriers. These transports ensure that the products are constantly exposed to the same temperature throughout the transit.

Having a set temperature ensures that the foods do not spoil and develop mold, but stay fresh, taste the same and last longer. If you sell fresh fruits and vegetables, you’ll benefit from this type of service because the better the conditions and temperature under which the foods are kept, the less likely it is that the food would go off and cause food poisoning.

Since providers handle the transportation and shipping of the goods kept in their warehouses, their clients don’t have to worry about these issues anymore. Hence, if you decide to work with such companies, you will be able to focus wholeheartedly on growing your business and improving customer service.

What are the types of products kept in a cold storage warehouse?

Contrary to popular beliefs, perishable foods such as meats, fruits and vegetables are not the only types of products that are stored in this type of warehouses. Below is a list of the other types of products that need to be stored in a cold environment to stay in good condition:

Flowers and Plants

  • Cut flowers that will be used in a bouquet will last longer if they are stored in a cool environment.
  • The same can be said for seeds. The cold environment will keep the seeds from withering.

Pharmaceutical products

  • You may need to store some types of medicine in a cold storage warehouse to avoid potential contamination.
  • Some medical supplies are also preserved in cold temperatures for later use.

Artwork

  • If paintings, usually old pieces, have to be stored for a long period of time, they need to be kept in a regulated environment in order for the paint to be preserved. The storage facility will monitor the temperature, so the colors do not fade.

Films

  • Although not as popular anymore, camera films have to be stored in cold temperatures. And a temperature-controlled storage facility will keep the film from getting damaged.

What factors should I consider before hiring a cold storage warehouse?

Humidity and moisture

Humidity levels and moisture buildup can easily affect products. While some goods require humid conditions, others can’t be stored in such an environment without adverse effects on the quality of the products.

To assess if the facility is appropriate for your products, you can ask them if they use dehumidifiers or if they check regularly for excessive moisture and mildew.

Cleanliness

Ensure that the provider respects all sanitation requirements, establishes clear guidelines for pest control and follows recommended methods to protect stored products from bacterial growth.

It may also be a good idea to check if they reject contaminated loads from other shippers.

Their backup plan in case of disruption

A contingency plan needs to be set up in case of disasters such as power outage, breakdown of the cooling system, and machinery failure. A good storage warehouse will already have one laid out and should be able to explain it to you.

If they don’t have one, you may want to look for another provider.

Inventory counts

If the provider is unable to give accurate inventory counts, you may end up with a significant number of ruined products. This is due to the limited shelf lives of most goods. The supplier has to be able to convince you of their accuracy through its proven track record and by displaying proofs of efficient record-keeping.

Alternative Options If Academic Training Is Not Your Cup of Tea

Just finished high school and college is just not for you? Fear not! We are here to help you out. Unlike what some would have you believe, there are several high-paying jobs that high school graduates can snag without completing a four-year college degree. While a degree does transmit theoretical knowledge to students, vocational training teaches hands-on, applied skills that don’t come with the same costs attached to a degree.

Since vocational training often takes part in the workplace, students are armed with the ability to put into practice what they learn straight away and have the added advantage of developing their interpersonal skills through teamwork with colleagues. Additionally, students that choose to follow vocational training usually learn to acquire skills and knowledge that are relevant to the job market. Undergoing this type of training will, therefore, increase the likelihood of you finding a job after the completion of your studies.

But how do you go about choosing your training? Consider career paths of interest to you, what would be the ideal sector for you and narrow down your options. If you are struggling to reach a conclusion, take into consideration your strengths, skills, areas of improvement and if your weaknesses slow down your progress. You may also want to research whether the industry you are interested in is stagnant or expanding. Read on for a shortlist of potential courses that may be of interest to you.

Elevator Installer and Repairer

Elevator installers and repairers are responsible for installing, fixing, and maintaining elevators, escalators and other types of lifts. You can expect to learn through an apprenticeship with individual contractors or industry associations. During the training period, you will study safety, blueprint reading, elevator and escalator parts, applied physics, electronics, electrical and digital theory.

Security guard

Security guards are expected to work in a variety of places, often around the clock to protect property against theft or other illegal activities. In addition to knowing your way with video surveillance, you will be required to carry licenses while patrolling, guarding and protecting property. Institutions like Lite Security can help you in this endeavor.

Beauty Therapist

You also need a certificate to qualify as a beauty therapist. The skills you may have to obtain include learning how to do manicures and pedicures, facial massages, waxing, eyebrow shaping, make-up application. You will also be expected to develop the ability to work well with others as well as understand the needs of your clients.

Electric Line Installer and Repairer

Electric line installers and repairers, also called line workers, handle the installation and repair of electrical power systems and telecommunications cables, including fiber optics. This line of work is not only physically demanding but may also come with a certain degree of risk as you may be required to work with high-voltage electricity and often at great heights. Apprenticeship is also common in this field.

Tailor or Dressmaker

Tailors and dressmakers both create costumes, custom clothing for individuals and uniforms, to name just a few. The major difference between the two is that a tailor works primarily with men and dressmakers specialize in clothes for women. Training happens mostly through apprenticeship. If you were to choose this career path, you could work for with a manufacturing company or you could strike a contract with laundry or dry cleaner and work from the comfort of your home and offer repair or alteration services.

Electrician

The duties of an electrician involve installation, maintenance, and repairs of wiring, control, lighting systems, and electrical power in factories, offices or homes. Which explains why most electricians work full time and often work on weekends. You can work for an electrical contractor, in the manufacturing or mining industry, or choose to be self-employed. Depending on where you are, you might need a license. Hence, attending a technical school and apprenticeship will both be handy as preparation for this career

HVACR Mechanic and Installer

Heating, Ventilation, Air Conditioning, and Refrigeration technicians help control the temperature and air quality in buildings by working on heating, ventilation, cooling, and refrigeration systems. These technicians work on worksites that can be uncomfortably hot or painfully cold. Their jobs are usually in office buildings, factories, homes, hospitals, and schools. Just like electricians, you’ll have to complete an apprenticeship, and if the country you work in requires a permit you might also have to complete a course.

Carpenter

If you have a natural affinity for woodwork and have been acing your assignments in the school wood-shop, then this may just be the perfect career path for you. You will essentially have to build, repair, and install structures made from wood and other materials. The working environment may vary from indoor to outdoor, depending on the type of project you decide to take. While we recognize that it may be physically demanding, it can be learned by only being an apprentice.

What Qualities do Parents Look for in Childcare Providers

As a parent, when you start searching for a childcare center, you want the best for your child. You want to make sure that when you leave your toddler there, they will be able to take good care of him/her. There should be no stress at all, and when you take back your baby in the afternoon, you should be happy that baby had a good day, he/she is looking healthy and smiling at you. There should be no sign of mistreatment or carelessness from the childcare center. In this post, we will look at the several qualities the best childcare providers have in common.

The caregivers truly love children

This one is primordial! You don’t want to leave your baby with caregivers who are doing the job just for the sake of a salary. They should love being around children, and find it to be fun and fascinating. They should typically have a background where you’ll find they spent a lot of time babysitting in their youth, or spent a lot of time with younger siblings, not because they were obliged to, but because of their love for children.

They should love spending time with other people’s children. Caregivers should honestly be able to treat your child in the same way they would have treated their own child. This quality is a MUST.

Caregivers should be natural nurturers

Caregivers should have a natural ability to take care of others. They naturally show affection to others, and instinctively hold, cuddle, and make children feel they are important.

Caregivers are warm people

They are good with people and get along with everyone. They can clearly state their point of view without being bad to others. This is an important childcare provider quality which helps the caregivers to cooperate with parents who may have differing parenting and discipline styles.

An abundance of patience

Good childcare providers are calm and patient. At times a child may go out of control but they but a child’s tantrums are all in a day’s work and good caregivers are not annoyed by the messes. They patiently look after everything till the child calms down. There may be instances where a child’s anger seems to terrorize other kids around, and the situation gets messy as other kids start to behave uncontrollably. This is where an abundance of patience comes to help.

Good discipline

Good caregivers use common sense where discipline is concerned. The caregiver cannot be a dictator who expects children to behave nor a marshmallow who would allow children to do whatever they want. A home childcare provider is able to set firm, yet flexible rules. In this sense, the child also learns to respect discipline.

Healthy childcare providers

The job of a childcare provider is both physically and mentally demanding. Childcare providers are “on duty” and “on alert” at all times. This is one of the childcare provider qualities you will want to see in the childcare provider that you will choose for your child. And, for this to be, they should be on good health and fit for duty. This is definitely not a sit-down job and good childcare providers need a lot of energy to keep track of several children.

Well organized

They have to be naturally well organized. From nutritious meals to all other activities, everything must be planned to keep all those little hands busy and learning. They also have to keep track of the children’s information and food program without forgetting the financial records. Record keeping or other administrative tasks are yet some other responsibilities childcare givers have to do on an on-going basis.

Creativity

Children will occasionally need something new to learn and discover to stretch their imaginations. Good childcare providers will always come with fresh ideas to incorporate into their programs. You want to see your child come back home and show you how thrilled he/she is when something new is learned or accomplished at the childcare center.

Training

You want to be assured that the caregivers have taken some First Aid and CPR classes.

They should be having a basic knowledge of Medicare and first aid response.

Child-friendly environment

They have plenty of space for several children and the surrounding has a child-friendly environment. The childcare center should comply with the health and safety regulations and strive to provide the best possible care. There are no hazards and the center have passed a fire inspection.

All in all, if you can see the child childcare providers in the list above, then more than likely, you are going to send your child to a good place where he/she will grow and learn.

Good luck with your child and don’t forget to share your experience in the comment section below.

8 DIY Homemade Insecticides

No homeowners want to see their lovely plants infected by devastating insects. Insecticides are a good option to deter them, but not everybody wants to use chemical insecticides which are not only bad to the environment but can also be harmful to your skin and eyes. Alternatively, you can do your own Eco-friendly insecticide which is cheap and easy to make.

1. Oil spray insecticide

Ingredient: You can use vegetable oil mixed with mild soap. This destroys troublesome insects, such as aphids, mites, thrips, etc.

Preparation: Mix 1 cup of vegetable oil with 1 tablespoon of soap in a bottle and shake well.

Add 2 teaspoons of the mixture with 1 quart of water in a sprayer, shake thoroughly.

Application: Spray on the surfaces of the leaves of your plants.

Result: The oil coats the insects and blocks the pores through which they breathe. The insects finally die out of suffocation.

2. Soap spray insecticide

Ingredient: Soap.

Preparation: Mix 1 1/2 teaspoons of mild liquid soap with 1 quart of water

Application: Spray the mixture on the infected surfaces of the plants. It is recommended to NOT apply it during the sunny part of the day to reduce evaporation).

Result: The liquid soap effectively controls mites, aphids, whiteflies, beetles, and other leaf-eating insects.

3. Neem oil insecticide

Ingredient: Neem oil.

Preparation: Mix 2 teaspoons neem oil with 1 quart of water and 1 teaspoon of mild liquid soap and shake thoroughly.

Application: Spray on the affected plant foliage.

Result: Neem disrupts the life cycle of insects at all stages (adult, larvae, and egg).

Neem oil acts as a hormone disruptor and discourages insects from feeding on leaves and other plant parts. Neem will also combat powdery mildew and other fungal infections on your plants. You can likewise use neem oil as a precaution by spraying the leaves of plants before they are actually infested.

4. Diatomaceous earth

Ingredient: With its somewhat unwieldy name, Diatomaceous earth is made from a sedimentary rock created by fossilized algae (diatoms). This earth is abundant in nature as the earth’s crust is said to be made up of 26% of Diatomaceous. You can find Diatomaceous earth at your local garden store.

Preparation: You don’t need to prepare anything as the earth is sold in bags and is ready to be used.

Application: Simply dust the ground around your plants, or sprinkle it on the leaves. However, you will have to reapply after every rain.

Result: It will help control snails and slugs as well as other crawling insects. It has an abrasive quality and easily absorbs the lipids (a waxy substance) from insects’ exoskeleton, which then dehydrates them to death.

5. Garlic, onion, and cayenne

Ingredient: 1 garlic, 1 small onion, 1 tsp cayenne pepper powder.

Preparation: Make a puree with the above ingredients and let it stay for 1 hour. Strain the mixture and add 1 tsp liquid soap and stir well. You can store it up to 1 week in the refrigerator.

Application: Spray generously onto both side of the leaves. Spray again after heavy rain.

Result: The smell of the mixture will keep insects away for a while.

6. Coffee grounds

Ingredient: leftover coffee grounds

Preparation:

Application: Place some coffee grounds in the spots you think pests are coming in.

Result: Critters can’t stand the smell of the coffee grounds and will stay clear.

7. Tomato leaf

Ingredient: Tomato leaf.

Preparation: Chop 2 cups of fresh tomato leaves into 1 quart of water, and let stay overnight.

Application: Spray onto the plant foliage.

Result: The leaves contain alkaloids which can effectively control aphids and other insects

8. Banana

Ingredient: Banana peels

Preparation: Leftover banana peels

Application: Just place a banana peel under the soil near the stems of your plants. Reapply when they are decayed.

Result: This will deter bugs and also nourish the soil.

The above homemade insecticide recipes should be a good starting point for you to start creating your own version. Everyone seems to have their own blend and ratio of ingredients, so by concocting your own solution, you can modify it to best suit your own insect battles.

But be cautious not to kill off all the insects in your garden, as any healthy ecosystem requires an abundance of insects, microbes, and fungi, both in the soil and on the plants themselves. Alternatively, you can consider introducing other predatory insects (ladybugs, praying mantis, etc.) or create a good habitat that would welcome such insects so that they can get your plants rid of harmful and invasive insects and yet a more Eco-friendly approach to effective pest management.

Hope these 8 DIY tips will help you keep your plants happy. For more information and tips, do not forget to share your experience in the comment section below.

Beers which you should and shouldn’t be drinking

There are more than 7,000 beer breweries in the United States, so chances are that when you head to your local spirits shop or grocery store, you’re confronted with an embarrassment of options. But how does one choose which six-pack is most worthy of their precious fridge space? It’s not easy.

It’s not too surprising that there are so many varieties to choose from. We have evidence that humans have enjoyed beer since about 3400 B.C., and the first written instructions for making beer were recorded by the Sumerians in 1800 B.C. That’s a lot of time to try a lot of different recipes.

That doesn’t mean that we’ve perfected the art form of creating the perfect brew, though. Just as important as knowing which beers to try is knowing which you shouldn’t buy. This guide can help you learn more about beer and discover new lagers and ales you’ll love, from classic IPAs to green-tea infused brews. It will also spare you from those disappointing moments when your first sip brings a frown instead of a smile, or (even worse) a look of derision from your liquor store clerk.

Here is a list of beers that you should drink :

1. Allagash White Ale

If you want to start exploring craft beer but aren’t sure where to start, Allagash White Ale is a good bet. When the Maine-based Allagash first came out with their white ale, it was one of the few Belgian-style cloudy ales being brewed in the states. Now, Allagash serves as the perfect stepping stone for those who like beers like Blue Moon and Shock Top, but who want to start exploring the wider world of white ales. Allagash White has been ranked as one of the best American wheat ales in the country, and it’s easy to see why. The beer is a little cloudy, a little malty; it has notes of mouth-puckering citrus and Curaçao orange peel, but never tastes too sour; and it has a warm spice profile thanks to the addition of coriander.

2. Smuttynose Finestkind IPA

Smuttynose Finestkind IPA is a classic New England-style IPA that primarily uses Simcoe, Santiams, and Amarillo hops for a balance of citrus and bitter flavors that make this style of beer so distinct. Finestkind is unfiltered and hazy, which is also classic for east coast IPAs. The body of the beer is refreshing and light, which helps to keep the intense hoppy bitterness from overwhelming the other tastes and aromas in the glass.

3. Harlem Brewing Company Sugar Hill Golden Ale

Sugar Hill Golden Ale, named after a neighborhood in New York made famous by musicians during the Harlem Renaissance, is the flagship brew of the Harlem Brewing Company. When brewer and company owner Celeste Beatty first moved to Harlem, she became involved in community gardening, and that’s when she fell in love with growing hops. When she combined her newfound interest with an existing passion for cooking with beer and wine, Harlem Brewing Company (HBC) was born — the first African-American owned brewery in the country.

Beers which you shouldn’t drink :

1. Ballast Point Fruit Beers

There is such thing as too much of a good thing, and while Ballast Point’s Sculpin IPA is a reliable classic, the brand itself has suffered since being bought by Constellation Brands in 2015. That’s unfortunate for the new owners, who purchased Ballast Point for a whopping $1 billion. One of the problems is that, instead of sticking to their roots as an innovative IPA-maker and shifting to more East Coast-IPAs like a lot of their competitors, the brewery hopped on the fruit beer trend, damaging their reputation among beer-lovers in the process. That’s because, frankly, a lot of their fruit beers aren’t any good (the Watermelon Dorado and Mango Even Keel come to mind).

2. Blue Moon

If you started drinking Blue Moon as a nice alternative to the ubiquitous Bud Light, you’re not alone. It turns out a lot of people use Blue Moon as a gateway into the world of better beer. And while Blue Moon itself isn’t bad per se, it’s also not one of the most interesting beers on the market. Blue Moon has also come under fire in the beer community for misleading consumers about whether or not it is, in fact, a craft beer. Though owned by MillerCoors, the company has marketed itself as craft and even won a lawsuit saying it was okay to present its beer as a craft brew. The Brewers Associate doesn’t agree, which has caused some bad blood in the industry, and we’d rather not have our beer caught up in all this drama.

3. Bud Light

Bud Light is the most popular beer in America, and we’re not denying that there are a time and place to crack one open. It’s a fine beach beer (a little sand won’t ruin a beer of this quality), and it’s certainly thirst-quenching on sweaty summer nights at the bar.

Health Benefits of Drinking Beer

I am sure that you probably drink beer to have a great time with your friends, spurring some of your greatest stories or just to bring out the dancer in you. However, the science gods have now spoken and it has been proved that drinking beer in moderation is actually good for your health.

How much does moderation drinking entail?

Even though there is an exact amount of alcohol which is allowed, it also depends on a person’s tolerance level and physical makeup. But according to the Dietary Guidelines for Americans, having a moderate drink means one drink per day for a man and up to two drinks per day for women.


Below are some facts about why you should not feel bad when you crack open a cold beer after a long stressful day :

1. Beer is good for the heart


According to several studies which have been conducted it has been proved that the consumption of beer could reduce the risk of coronary heart disease. It is all because beer has a thinning effect on blood and it reduces the chances of clot-forming which can cause a blockage in the coronary artery. It also reduces the risk of inflammation which can cause atherosclerosis.

2. Beer helps in losing weight

According to a study conducted by Oregon State University, there is a chemical called xanthohumol in beer which helps when you are trying to shed those extra pounds and control your cholesterol levels.

3. Beer improves cholesterol level

We all need some lipoprotein which is the good type of cholesterol in our bodies as they help to prevent plaque buildup in the arteries. Beer also has high amounts of fiber which helps reduce the levels of LDL cholesterol which is the bad type of cholesterol.

4. Beer promotes better bowel movement

One bottle of beer contains around 20 percent of the fiber which your body needs for a better bowel movement every day. It benefits a lot for people who suffer from constipation.

5. Beer decreases the risk of cancer

There is an antioxidant called xanthohumol which helps the prevention of cancer as it also contains polyphenols which play a major role during the treatment of cancer patients.

6. Beer boosts mental health

Studies have proved that having beer can protect your brain against neurodegenerative diseases like Parkinson’s and Alzheimer’s. Drinking beer also increases your dopamine level in your brain which makes you feel more relaxed and calm.

7. Beer helps in improving eyesight

According to the University of Western Ontario, a beer a day minimize people’s chance of developing a cataract as it contains enzymes and antioxidants which protect the eyes by preventing mitochondrial damage.

8. Beer reduces the risk of diabetes

A study done by Harvard has found out that people who drink beer regularly have fewer chances of developing type-2 diabetes.

9. Beer reduces the risk of developing kidney stones

Water is the most powerful tool for the prevention of kidney stones and having a beer is a great idea to prevent these stones from forming as 90 percent of beer is water. Beer also contains potassium and magnesium which help to prevent the development of kidney stones. Having a bottle of beer every day can reduce the risk by 40 percent.

10. Beer helps in the development of healthier bones

If you didn’t know, let me tell you that beer is rich in dietary silicone which contributes to a higher bone density and it also minimizes the risk of osteoporosis.

11. Beer increases Vitamin B levels

A medical journal named The Lancet has mentioned that beer contains Vitamin B6 which is great for the prevention of heart disease as it keeps a check on the formation of homocysteine in the body.

12. Beer cures insomnia

For people who suffer from insomnia, beer contains Lactoflavin and nicotinic acid which can help to promote sleep. Have a beer and sleep soundly like a baby.

13. Beer has positive effects on the skin and hair

Beer contains a lot of vitamins which is beneficial for your skin as it reduces acne and adds a glow to the skin. Hops and malt found in beer also helps in promoting the healthy growth of hair.

14. Beer delays aging and promote longevity

Nowadays, no one really likes to look old however the good news is that Vitamin E which is found in beer acts like an antioxidant which helps to keep the skin healthy while slowing down the aging process.

15. Beer flushes out toxins from the body

Beer has precious diuretic properties which increase urination thus facilitating increased removal of toxins from the body.

16. Beer helps reduce stress

Two glasses of beer a day can reduce work-related stress or anxiety. However, too much alcohol consumption on a daily basis can do more harm than good.