Monthly Archives: March 2017

Mortgage Terms in Layman’s Terms: What Exactly is Debt to Income Ratio?

Mortgage Loan AgreementDebt to Income ratio (DTI) is precisely what it sounds like. It’s how much debt you owe in comparison to your income. Lenders use this ratio to figure out whether a borrower is capable of maintaining mortgage monthly payments. They use DTI for purchase loans, including refinancing, as well.

DTI could likewise help you determine how much you can afford for a house deposit. Take note that DTI doesn’t measure a person’s willingness to pay, only the potential economic burden of a monthly mortgage payment.

Debt to Income Ratio Explained

Every single working person knows this scenario all too well:

Each month you try to figure out how much money you could keep and how much money you have to pay for all sorts of bills. You have regular bills for electricity and water, perhaps for your Internet and mobile phone, as well transportation costs and groceries. In addition, there’s money you need to pay off your debts — your mortgage, credit card, personal loan, or student loans.

Do you feel that sometimes all your available cash goes into repaying your debts? This means that your debt to income ratio might be too high for you to handle, says money experts and mortgage brokers in Sandy. Put simply, your DTI is a specific number expressing the link between your overall debts each month and your monthly gross income.

How Can You Calculate Your DTI

To calculate, you divide your total monthly payments for all your debt by your monthly gross income. For example, let’s say you put in $400 monthly for student loans and $1,600 monthly on your home loan. This means that you pay off $2,000 for your debts monthly. Your monthly gross income is the amount of your earnings before deductions and taxes — let’s say it’s at $6,000. This means that your debt to income ratio is 33%.

Your DTI is a critical measure of a borrower’s financial security. You increase your chances of securing a mortgage with a better rate if you have a low debt to income ratio. Likewise, a low DTI would allow you to take more financial risks and deal with them better.

The Rewards of Being an Exchange Student

Exchange StudentMany students aspire to enter an exchange program. Other than taking in a new and more advanced curriculum, what are the other rewards of studying abroad? Here are three of the major advantages.

Visit a New Country and See More of the World

One of the main reasons why students aspire to live and study abroad is because they get to see and experience a new country. Travelling is a given for exchange students, but the excitement seems to have no end. Exchange students experience fresh outlooks, customs, and activities—they learn how to blend into a new country, which shapes their knowledge and personality. Also, studying abroad puts no limit to experiencing neighbouring states and countries; it allows you to see more of the world.

Meet New People and Experience Different Cultures

Many exchange programs offer meetings and trips wherein you can converse with other exchange students. This opportunity allows you to meet new people who are born and bred in different nations; some may even be your lifelong friends. Other than fellow exchange students, you always have the chance to form friendships with people you meet during your stay. He or she can be a friendly barista, a newspaper vendor, or a random person living across the street.  Through this, you open yourself to different cultures, allowing you to understand a deeper sense of the world.

Learn Independence and Money-Handling

Exchange students take on a new level of responsibility, which includes money-handling, sticking to a schedule, and picking up after your mess. For students who have lived with their parents, this new take on independence is exceptionally difficult. However, along the way, one will understand the value of being away from home. Major responsibilities such as finding an accommodation for students in London, Berlin, or whatever place in the world, to minor tasks such as washing the plates can teach you something about reality and adulthood.

Being an exchange student teaches you things you cannot learn in classrooms and books. It opens you to a new world where you can learn and grow. If you have the opportunity to study abroad, don’t skip the experience and work on it.

Why Large Font Sizes in Web Design Improve Website Quality

A person using a laptop in a cafe The real impact of E-commerce becomes truly apparent in how comprehensive websites can reach audiences across the globe. There is, however, the issue of user experience. It is vital that site visitors, especially the targeted ones, get the information they need when they need it. This is the reason effective web design has become one of the most sought-after services in online marketing. The overall layout is just the icing on the cake. The website’s content is what truly counts.

web designer in Raleigh and other places recognizes the importance of communicating the right message to actual and potential website visitors. It starts with a functional web design that has a clean and professional appeal, and a large font size balances value and aesthetic while improving overall website usability.

Improved Readability

Modern web design should focus on content readability as this can bring about higher conversion rates. Most experts recommend a font size of 16 pixels or bigger for the body texts as most people read content on computer screens at a safe distance compared to printed materials. 16-pixel texts not only improve readability but also increase reading speed. An average web user, visually impaired or not, will likely turn away if he or she finds the text difficult to read.

Improved Usability

Small font sizes look long and cluttered in a web page. They also require too much scrolling as users navigate through extended blocks of text. Smaller texts also tend to increase line spacing, which is known to have a significant effect on comprehension.

Increased Visual Impact

In today’s increased mobile device usage, large texts are not only practical but also act as visual cues to catch attention and generate stronger emotional responses from readers. Bigger fonts make the content message concise, bolder, and more compelling.

Although larger texts have the most significant impact in enhancing website user experience, they have to complement the overall design. All components must serve to deliver the message that attracts readership and potential revenues.

Cosmetic Treatments: Why Natural Results are Preferred

Women Getting Cosmetic TreatmentWhen it comes to cosmetic treatments, natural results are preferred. Many patients, both men, and women alike seek to enhance their natural beauty, rather than to change their appearance completely. A lot of patients prefer discreet enhancements that raise their confidence in a way that is noticeable, but not obviously artificial.

Medical spas such as Drgerstman.com  are preferred over traditional clinics — they have a friendlier, less clinical approach to cosmetic enhancements and pamper their patients. A focus on client comfort is conducive to a more positive experience while getting facials, fillers, and Botox injections.

Fear of Being Botched

Cosmetic procedures are undoubtedly popular. In the U.S., plastic surgery and cosmetic spending reached a whopping $15 billion this year. People, especially women, wish to stop the aging process and some believe that maintaining their youthful looks helps them remain competitive in the workplace. However, there is a widespread fear of being “botched”. People dislike the artificial look — this may include overwhelmingly plump, rubbery looking lips and a stiff, expressionless face. This is why plastic surgeons and cosmetic aesthetics take care to utilize techniques that yield natural-looking results.

Discreet and Beautiful

Natural looking cosmetic treatments are discreet and enhance the beauty of the patient. This is why plastic surgery that is not noticeable as plastic surgery is considered “successful”. Indeed, the natural look is the golden standard that all cosmetic treatments strive to achieve. Doctors today are learning that patients want something that lets their natural beauty show through — for most, they want enhancements, not alterations.

This is why procedures such as fillers and micro needling are popular — it rejuvenates the skin without drastically altering the looks. Some cosmetic practices are also moving towards skin recovery and healing, to help reverse the signs of aging.

To get natural looking results, it is best to talk to a doctor who practices cosmetic procedures. They will guide you through what treatment produces the best possible results.

Upgrade Your Home’s Protection from Bad Weather

A water damaged ceiling Bad weather comes around and goes around; it doesn’t go away. There are certain days when you welcome a bit of rain and even feel cozy when you see gray clouds. But when the drizzle becomes a dreadful downpour, you start feeling scared, as bad weather may also cause the waters to rise, and storms could leave your furniture soggy and rotten.

Fortunately, there is hope. In Salt Lake City, Price’s Guaranteed Doors says a storm door can prove to be a wise investment as it can block the water and winds.

Protect Your Home

First, get insurance for your home so you are sure that damages during the storm are covered. Keep all your important documents. They come in handy when you make your insurance claims.

Check your doors and windows. This way, the interior of your home can be secured. A storm door can protect your main door while adding appeal to your home.

It is suggested that your shutters should be made of metal because it is a stronger material than wood, and is less susceptible to breaking in rough weather. Your doors should also have bolts to secure them in their frames. This comes in handy when there are strong drafts during winter.

Check for Leaks

Check your room if it is in good condition – there should be no holes or leaks for the winds and the water to come in. Have your chimney pots and roof sealed. Likewise, clean your downspouts and gutters thoroughly. The rain should pass through the gutter so it doesn’t get into your interiors.

Finally, stock up and store whatever you can. Put your chinaware in cupboards. If your home has a second floor, it’s best to move your wooden furniture there the moment you see there’s an impending flood near you.

Bad weather surely cannot be avoided, but you can save your things – and your home – from irreparable damages. In times like this, it’s best to stay ahead of the game.

What is the Difference Between a Boom Lift and a Scissor Lift?

boom liftAerial lift equipment can ease jobs for your business, especially when a majority of your projects involve work at height. Picking the right one, however, can be a bit challenging because you will come across a wide range of models. How do you distinguish one from the other when discussing options with a service offering platforms for hire in Staffordshire?

Some of the factors that can influence your choice of lift equipment are your job site, the height you need to reach, and the weight you need to carry along. Here is a quick guide to help you make the right choice:

Boom Lifts

These are versatile aerial lifts. A boom lift features a base, and a controllable arm with a work platform at the end. Apart from work platforms, you may also use attachments, such as buckets, lifting hooks and lumber forks.

There are also various types of boom lifts, namely:

  • Towable Boom Lifts
  • Electric Boom Lifts
  • Straight Telescopic Boom Lifts

Scissor Lifts

These refer to vertical lifts with bases matching the size of the platforms. Used for both indoor and outdoor projects, these lift both people and equipment. While boom lifts can move in a stable backward and forward movement, scissor lifts only go up.

Despite its height in comparison to boom lifts, scissor lifts can carry more weight, having an unrestricted weight capacity of at least 1,000 pounds and even higher restricted weight capacities. Some types of scissor lifts you can consider are electric scissor lifts and rough terrain scissor lifts.

Aerial lifts are very useful in industries where it is necessary for you to reach high places. Before you hire one for your business, make sure that employees receive proper training in work at height hazards and lift equipment operation.

Alcoholism and Your Dentist: How They Can Help Address the Issue

Man holding a bottle of beer and notepadAlcohol has become a staple of late night parties and celebrations with family and friends. While the occasional alcoholic beverage wouldn’t hurt, the frequent indulgence in alcohol has been associated with a number of health complications, including depression, cancer and dementia. As alcohol abuse transcends the boundaries of age, gender and race, it is important to address the issue as soon as possible.

A Lack of Screening for Individuals Struggling with Alcohol Dependence

Chronic alcoholism affects a great number of people, although it is twice as common in men as it is in women. Recent reports show, moreover, that binge-drinking has fallen among the younger generation.

Even if chronic alcoholism affects a broad range of people, data suggests that health care professionals and physicians seldom screen for the condition. Further, complicating matters, patients struggling with the condition tend to deny their alcohol abuse.

Excessive Alcohol Intake Can Lead to Oral Cancer and other Health Complications

Experts have found that the excessive intake of alcohol can harm the teeth as well its underlying tissues. Moreover, they discovered that alcoholism raised the risk of developing oral cancer and complications in the cardiovascular and immune system.

Dental practitioners are, therefore, in a unique position to identify those dealing with alcohol abuse and do their part in addressing the issue. The alcohol smell on the breath, the broken teeth or dentures they have, the jaundiced skin and baggy eyes all point to the condition, after all. As such, they carry part of the responsibility of tackling the issue as patients sit on the dentist’s chair.

Overcoming one’s dependence on alcohol is the first step towards maintaining overall health. In the dental setting, addressing the issue is possible by conducting regular oral examinations and by obtaining a patient’s complete medical and dental history.

Before Driving in the Rain: 4 Safety Details to Remember

A windshield heavily obscured by rain Although you may be ready to leave blizzards and snow behind in winter, you may have to face new menaces soon in spring. This season can bring torrential downpours and thunderstorms that make driving difficult in the same way blizzards and snowstorms bring hardship. To drive safely in the rain, you can do the following tasks:

Check the Treads

Before leaving your house, you can check your tires. Rain makes roads slippery. To keep your vehicle from slipping, your car has tire treads that create grip. You can check the tread to see if they are still in good condition. In checking, you can use a penny. Insert it in the tread with Lincoln’s head pointed down. You have good tires if you can’t see Lincoln’s hair.

Slow Down

To maintain a grip on the road, your tires also need to displace water. Ineffective displacement can lead to hydroplaning when your tires float on a film of water. You can ensure your tires stay in contact with the road by slowing down. The more water on the road, the slower you have to drive.

Stay in Complete Control

In wet conditions, you can also refrain from using cruise control. Cruise control only increases the chances of your vehicle veering out of control. You will be safer if you stay in control of your vehicle, stepping off the accelerator when needed.

Turn Headlights and Wipers On

The final two tasks may be minor details, yet they are still important. You can make sure your headlights and windshield wipers work. Otherwise, you can have an Arvada auto repair service fix them. You need wipers to see out of your car. You also need the headlights to make yourself visible to other vehicles.

When you need to have your tires changed because the treads have worn out, you can also have an Arvada auto repair service change the tires for you. You can even have your entire vehicle inspected by them to make sure it is in a condition to face the brunt of thunderstorms.

Do These if Your Landlord Refuses to Make Repairs in Your Flat

View of an apartmentA leaking roof, a dripping faucet, cracks on walls, and doors improperly hinged are not the sort of things you want to go home to. Anyone who lives in and pays for a flat would at least expect a home conducive to relaxation. You would want to sleep comfortably every night and not be disturbed by domestic problems, no matter how trivial they seem.

As a tenant, it is your right to ask for repairs, but this right is bound by limitations indicated in the lease contract. The request for repairs is often limited to major repairs that are not caused by your negligence or carelessness. Force majeure, such as the destruction of parts of your home due to calamities, is what a landlord may cover in terms of repairs.

Nevertheless, there are landlords who deliberately refuse to make the repairs. In such a circumstance, it is important to understand how the due process works and what options you have.

Options if a Landlord Refuses to Make Repairs

1. Call the health inspectors. With the presence of health officers, you might compel your landlord to act immediately. After all, it is his responsibility to provide a comfortable home for his tenants.

2. Repair and fix the problem yourself. Call a professional and just have the fee deducted from your rent. Another option is to withhold the rent until your landlord concedes to the repairs.

3. Ask for legal help. If your landlord still does not budge, then you could move out and find a more decent flat and a more accommodating landlord. The last and perhaps the hardest but wisest decision you could make is to seek the help of a lawyer. Experienced attorneys from Rainey Collins Lawyers explain the importance of working with a professional who knows how the law works and what to do to resolve the problem legally.

You deserve a comfortable home. After all, you are paying the rent. Know your rights and responsibilities, as well as the things you can do when problems arise.

Avoiding Common Plumbing Problems: Six Things You Must Do

A man trying to fix his sink Sometimes plumbing problems occur at the most unexpected time; a pipe may burst at night or your toilet may be blocked when you have visitors over for a barbeque weekend. Although most plumbing problems tend to be minor and can be fixed easily, some issues can be major and can lead to serious damage.

How can you avoid such problems? Here are six things you must do:

1. Take Care of Your Kitchen Sink

Most plumbing problems tend to involve the kitchen sink. Tim Miller Plumbing agrees that without proper maintenance, kitchen sinks are prone to clogging. The biggest mistake most people seem to make is to think that if something can go down the sink, then it’s just fine. No wonder so much grease is washed down. This muck will stick somewhere down the pipe and it will come back to haunt you. Adding a strainer is a good idea to trap larger debris.

2. Do Not Flush the Unflushable

Most of us think that the toilet can take anything solid; unfortunately, it can’t. The sewer system is only designed to carry human waste and tissue paper because they disintegrate. If you don’t mind what you flush down, you are certainly courting disaster.

3. Don’t Freeze Your Pipes

When temperatures are low, the water inside the pipes may freeze. Because ice occupies a larger volume than liquid water, your pipes will be put under intense pressure and may burst. Always make sure that the house is warm even if you are away. Avoid hanging things on exposed pipes; the strain may lead to bursting.

4. Regularly Maintain the Water Heater

You want to be careful with the water heater; it holds tens of gallons of water, and if bursting was to occur, a major damage would ensue. Drain the sediments that build up in the reservoir at least once a year. Also, get your system checked by a professional once in a while to make sure that there are no problems.

5. Understand Your Plumbing Layout

Sometimes, a burst pipe can flood the house in minutes. The easiest way to deal with such a situation is to cut off water supply so you can figure out how to fix the problem. In most cases, it is located near the main supply at the meter point. However, it is imperative to understand your plumbing layout before an emergency occurs.

6. Know Who to Call

If you realise that you cannot handle a situation, do not waste time. Call up a professional plumber in your area. Plumbers in Nelson are available round the clock, meaning you can always get help any time of the day. It is advisable to identify a professional company before you have an emergency so that at the time of need, you will know who to call.

Most plumbing problems are caused by ignorance or by sheer misuse of facilities. Definitely, it is better to mitigate a problem than to fix it.