Chris Lorenzen's Blog
When you have children, you want to ensure that they’re safe and healthy. You probably have done childproofing and try to keep as many hazards out of your kid's way as possible. There are plenty of hidden dangers around your home that you may have never thought of to protect your kids. Read on To discover more ways to keep your kids safe.
You use your dishwasher on a regular basis, and if you have kids, there are a few risks involved that you may have never even thought. The door on the dishwasher should have a secure locking feature on it. If the door isn’t properly closed, all it takes is a little tap from a child, and everything from the dishwasher can come crashing out. Even the door to the appliance itself can be heavy. You don’t want that hitting your child.
For older children, if the dishwasher isn’t properly loaded, chores can become hazardous. Sharp knives and forks should be pointing in the right direction so when a child is unloading the dishwasher, they aren’t accidentally hurt.
Dishwasher detergent pods can be a choking hazard as well. Keep these out of reach of children.
The Oven Or Range
Your oven or range should be correctly installed to avoid injuries. Anti-tip brackets should be mounted on ranges so that there isn’t a risk of the appliance falling on your child. If the child leans on or climbs on the range, there is less risk this way.
Wall ovens should have doors that lock well. Usually, wall ovens are installed a bit higher up in the kitchen, but oven doors that fly open can pose an injury risk.
On the stovetop, make sure that pot handles are turned in to keep little hands from grabbing them. If you can, use the back burners instead of the front. This will be an added security to keep your kids from getting burned.
Your Child’s Room
Young children will spend a lot of time in their nursery. Between napping and playing, you want to be sure that the room is safe. The crib should be sturdy with a firm mattress. Nothing should be placed in the crib besides a fitted sheet. It’s preferable to have new cribs for babies as older cribs can be worn and wobbly. Hand-me-downs could even be missing parts. Be sure that the child’s room doesn’t have a lot of electrical cords and any unused outlets have caps on them.
Many behavior problems in a dog are as a result of boredom and excessive energy, which is justifiable because this animal is supposed to be physically active. Some owners breed domestic dogs for specific purposes like protection, farming, hunting, etc. On the other hand, wild dogs are more active because they only hunt and scavenge for food.
Whether dogs are helping us at home or hunting for their food, we should be aware of the fact that physical exercise keeps their brains and bodies active. Therefore, a practical way to enrich the life of your dog is engaging them in physical and mental practices. In addition to that, your dog benefits a lot when you spend quality time together. Here are some fun activities that will keep your dog active mentally and physically:
You should never disregard the significance of taking a good walk or jog with your dog. Walking and jogging are beneficial to your dog in that it gives him or her the privilege to explore the world. To ensure your dog benefits a lot from this, take different routes when jogging and visit new places as much as possible.
Games to play
Games are an opportunity to enhance the relationship between you and your dog. However, it is essential to play games that will be enjoyable and safe for both of you. An example of some games that will exercise your dog's body as well as the dog's ability to chase, search, and grab are:
- Tug-of-war. The tug-of-war is a game that you can use to engage your dog in a rewarding physical activity while at the same time teaching the dog some vital lessons. This game will allow you to train your dog on how to listen to you when it is excited and so on.
- Fetch. Teaching your dog how to fetch is also a significant advantage. Your dog needs to exert a lot of physical effort to carry out this game. It can be used to teach your dog how to pick and drop things at a particular location. It's also a perfect way to train your dog on how to find hidden items.
Your dog is a special member of your family; so it’s imperative you’re mindful of his or her physical state. The weekend is almost here, take your dog to the nearby park for a stroll or fun game of fetch.
It can be difficult to find the extra savings to put towards your first home as a renter. With rent and utility prices rising, most people’s paychecks are leaving them with less and less savings at the end of the month.
Buying your first home, however, can be a great long-term financial decision. It will help you build equity, and, eventually, you’ll be able to use that equity toward another home or toward retiring.
In today’s post, we’ll talk about some of the ways to save for a down payment while renting an apartment.
How much to save
In order to make the most of your first home purchase, you’ll want to save up as much of a down payment as possible. This will help you receive the lowest interest rate and reduce the amount you’ll pay toward interest.
If you can manage to save 20% of the loan, you’ll also be able to waive private mortgage insurance (PMI), that would otherwise set you back around $100 per month or more.
Smart ways to save while renting
If you’re ready to get serious about saving for your first down payment, let’s talk about the best way to approach your savings plan.
Pay off small debts
If you’ve had that lingering credit card debt that you’ve never quite paid off, now is the time. Take a look at your current debts. Pay off the smaller balances first and focus on debt with the highest interest rate.
This will enable you to start making larger deposits toward your down payment savings sooner and can help you avoid needlessly paying interest on small loans and credit card debt.
Open a dedicated account or CD
The best way to make sure you contribute to your down payment savings plan is to open a savings account or take out a CD (certificate of deposit).
A savings account with a high-interest return is a good option for people who are worried that they may need to access their funds before they’re ready to buy a home.
If you’re comfortable with not being able to access your funds until a set date, then a CD could help you save more money.
Since CDs are a one-time payment, many people choose to combine both CDs and high-interest savings accounts to achieve their savings goals.
Regardless of which option you choose, be sure to shop around for the highest interest rate. Online banks tend to have higher rates than traditional banks and are also easy to sign up for.
Direct deposit a portion of your pay
Opening a bank account or CD won’t do you any good if you don’t commit to contributing to it. If you are paid via direct deposit, visit your HR office and ask them to reassign a portion of your weekly pay to your new account.
By following these tips, you’ll be able to better prepare for your down payment. Don’t wait! The sooner you start saving, the sooner you’ll be able to purchase your first home.
So, the home is gorgeous, the yard is perfect but inside, your things cover every surface. Whether you’re setting up for an open house, or trying to get the packing done, the last thing you want is clutter complicating the process. Seems easy, right? But getting control of the mess can be harder than it sounds.
You have plenty of choices: boxes, shelves, under-bench and table storage; so many that it can just make your job harder by creating more clutter. There are lots of television shows, DVDs and self-help books that purport to show you the best ways to organize your life. You don't need to become the model of organization to get your home on the market, merely start with these few simple rules.
Getting control of your clutter can be overwhelming, but you can get through it.
1. One Step at a Time: It looks like a huge job, but you’ll manage. Just do one part at a time. Start small, say, with the kids’ toys or a junk drawer and work your way through the room. Then move to the next room and repeat. Focus on just the part you’re working and don’t worry about the rest until you get there.
2. Keep Track of the Time: It's easy to get caught up thinking about why everything is important or getting just the right setup on that bookshelf, but it's important to keep yourself going. Limit yourself to short blocks of time, 1-2 hours, and complete a whole block before moving on. For example, start with your junk drawer (come on, everyone has one): get the entire thing sorted out, then move on. That could mean moving on to the next project, but you can also go back to your life. Unless you've left this to the very last minute, don't think you need to get it all done in one day. You can reduce the stress substantially by spreading it out.
3. Give Yourself Enough Time: However long you think this job will take, double it. The doubling rule is a good standard for planning for two reasons: First, you won't be disappointed if it takes longer than you initially thought and second, if you are lucky and get done early you’ll be extra excited!
4. Keep it Simple: Making your de-clutter plans too complicated only slows you down. Use the four box rule: Keep, Give, Discard, Save. The discard box is for anything too used, damaged or otherwise inappropriate for giving away or keeping. Anything from junk to trash goes here. The Keep box is just a temporary spot, use it for things that are staying in the same room, drawer, or shelf. This helps keep them out of the way while you finish sorting anything else. The Save box is similar to the keep box, except these things go in other rooms. Lastly, the give box: this can be things going to friends or family, and should also include anything you want to donate to charity. Charitable donations are a valuable tax break that can help offset some of your other expenses.
Your clutter is your business, but it’s a good idea to ask your real estate professional about any specific staging needs to help show off your home to potential buyers so you can take care of those items first.