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First Time Home Buyers Tips

Buying a house can be a daunting task especially for first-time home buyers. You can be easily overwhelmed by the processes involved as well as the current state of the market. That is one reason why many would-be buyers end up renting instead. But buying a house does not have to be that difficult. Here are some simple tips that you can follow as a first-time home buyer:

1. Set your budget.

Before you go shopping for a home, you should first know how much your budget is. It seems to be like a no-brainer, but you may be surprised that many interested buyers don’t set their budget first before showing up during open house. By failing to do this simple step, you may end up wasting your time checking on houses that are out of your price range. And it can be frustrating finally identifying your dream house only to realize that it is way out of your budget.
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Tips To Get Approved For a Mortgage

A house is the most basic need of every family. Many people are looking for an opportunity to get a house of their own especially since house rentals even for a small space is at an all-time high now. And when your personal finances do not allow you to buy a house with spot cash, your best option would be to get it on a mortgage. If you still find it difficult to get approved for a mortgage, here are some tips that could help you:

1. Keep track of your finances.

Starting January of 2014, new mortgage regulations take effect when it comes to underwriting home loans. These new regulations require lenders to verify the capacity of each borrower to repay his or her loans. Borrowers who are more diligent in keeping track of their finances have the greatest chance of getting approved. For tracking purposes, keep a complete record of your bank statements, W-2s, income tax returns and other assets you may have. If there are any unusual deposits in your bank accounts, be ready to also justify them.
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5 Simple Ways to Protect your Liver

I personally believe in the saying that health is wealth. A person may own a nice fancy house and car but if his health is failing, they all amount to nothing. Having a serious health condition can drain a person physically, emotionally and financially. You may not be able to do your regular routine anymore or go to work and maintain a healthy relationship with your family and other people.

In my circle of friends, I have known of a few who have suffered from serious health problems. In particular, I have friends who have suffered from liver problems because of the kind of lifestyle they have. The liver is considered to be one of the most important organs in our body. It is responsible for filtering and processing of the blood that circulates throughout our body. It also detoxifies the body from harmful substances, metabolizes nutrients, and performs many other important functions.

When the liver stops its normal functioning for various reasons, your survival will be at risk. It is not the kind of problem like fleas on humans that you could simply ignore. It is a serious problem that needs medical attention. But to prevent yourself from reaching that point, here are some ways on how you can protect your liver.

1. Drink alcohol moderately. One of the most common causes of liver damage is alcohol abuse. In fact, liver problem is one of the most common health problems among alcoholics. Moderation means taking alcoholic beverages no more than two drinks a day for men and one drink for women.

2. Don’t do illegal drugs and unsafe tattooing and body piercing. Illegal drugs and tattooing are known to destroy the liver.

3. Take medications wisely. Take only prescription or over-the counter medicines when needed and only take the recommended dosage. Also don’t take medicines and drink alcohol; you could not mix both. If you decide to take herbal supplement along with your medication, talk to your doctor about it first.

4. Avoid toxic chemicals. Commercial cleaners, pesticides, insecticides, paint and other products that contain toxic ingredients are known to cause liver problems if you are continuously exposed to them. Use natural home cleaners as much as possible. But if you have to use the commercial one, make sure that the area you are cleaning is well-ventilated and that you are wearing a mask when cleaning. Most importantly, find alternative non-toxic products to the toxic product you are now currently using.

5. Observe a healthy diet. Be sure to include a wide range of fruits and vegetables in your diet and limit foods that are high in fats. This will not only help maintain a healthy weight but also avoid serious liver problems such as fatty liver disease and cirrhosis of the liver.

Aside from protecting your liver, you should also be watchful about the condition of your liver. Liver pain, discoloration of skin and eyes, constant abdominal pain, dark urine and loss of appetite are just among the signs of serious liver problems. If you notice any of these symptoms, contact you doctor immediately.

 

Up Close: Common Newborn Illnesses

After all the excitement that you enjoy starting from the time when you have to think about pregnancy announcement ideas, what follows next after child birth are some challenges on how to care for the newborn baby. It is the ups and downs of parenthood. But I know it can be a very fulfilling undertaking. You don’t have to be a married man to know for sure. I have many friends who are happily married and are happy parents.

Caring for newborn babies can put too much stress especially for inexperienced parents. In some instances, clients would call me to cancel appointments because of problems with their baby or children.

Newborns are prone to illnesses that are less serious but can be challenging to deal with. They also suffer from certain problems like newborn hiccups which are not really an illness but something that parents have to deal with as hiccups cause discomfort and disrupted sleep. The key to properly dealing with newborn illnesses is to get to know and understand these illnesses.

Colds

Newborn babies are more prone to colds than adults especially during their first year. Symptoms for this illness include low-grade fever, sneezing, runny nose, fast breathing, wheezing and coughing, which normally interfere with normal eating and sleeping patterns. Colds are caused by virus and it will normally go away without giving your child any medication. But if your child is having trouble breathing, a nasal aspirator may help. If your child is under three months old, you should see the doctor immediately as soon as these symptoms are noticed.

Constipation

As soon as babies start receiving solid foods, they may experience difficulty is passing stool and become constipated. Hard and firm stool can be painful to pass and may cause your baby to cry in pain every time he will have to do it. Traces of blood in the diaper may also be noted. To treat this problem, you should avoid feeding your child with foods that are known to cause constipation, such as rice cereals and bananas. Instead, give your baby more liquids and high-fiber foods.

Diarrhea

Many newborn babies also suffer from diarrhea which is the exact opposite of constipation. It is characterized by more frequent bowel movement involving watery stool. Diarrhea in itself is not serious but it may cause dehydration which is one of the common causes of infant death. Diarrhea will just go away on its own but if your baby is suffering from bloody diarrhea with high fever, vomiting and increasing abdominal pain, get medical attention immediately.

Gastroesophageal Reflux (GER)

Newborns also suffer from GER in varying degrees during the first few months. More often, this condition is misdiagnosed as colic but it is a different thing. Symptoms include frequent spitting, vomiting or wet burps and gagging noises among others. If your baby has these symptoms, make feeding more frequent but in smaller amounts. Call your doctor in case the GER is already causing pain and interrupting sleep on your baby.

Parenthood can be more enjoyable if you know how to deal with some of the most common newborn illnesses. Aside from those listed here, you may also want to research on other illnesses that may affect newborns and infants so that you would know what to do if they are affecting your child.