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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 Ways to Prevent Gum Problems

Recently, I have read in an article online that more than 35 percent of American adults suffer from periodontal or gum disease. That really surprised me because I rarely know of a person who suffers from this kind of disease, yet it is one of the most common oral problems that people suffer from. What I know of is that many people suffer from teeth problem. In fact, one of the most popular health searches online is about tooth pain relief because many people are really suffering from it.

One of the leading causes of gum disease is the lack of proper dental hygiene. Aside from plaques on the teeth, bacteria in the mouth can also cause gingivitis, an inflammation of the gums characterized by swollen, red or bleeding gums. In many cases of gingivitis, the inflammation is not painful. That is one of the reasons why sufferers also neglect their condition. It is important that gingivitis be treated as early as possible to reverse the condition or it could worsen and lead to tooth loss.

A gum disease can be detected with the following symptoms:

  • Changes in the fitting together of teeth when biting
  • Deep pockets in the gums and between teeth
  • Bleeding gums during and after brushing
  • Shifting teeth or having a loose tooth
  • Persistent bad breath
  • Receding gums
  • Tender or swollen gums
  • Gum pain

If you don’ have yet the symptoms mentioned above, then you don’t belong to the 35 percent of people who have gum disease. That is a good thing for you. The next step is to observe the following tips to prevent gum disease:

1. Brush your teeth properly. If you are not sure about proper brushing techniques, ask your dentist or hygienist for a quick lesson. Also, be sure to brush your teeth at least two times daily.

2. Floss your teeth. Flossing your teeth is also an important part of proper oral hygiene. It is helpful to remove small particles that get stuck in between teeth. It will only take a few minutes each time.

3. Drink more water after meals. Drinking water will not only aid in digestion but also in washing off food particles from the mouth. It also helps keep your mouth cleaner and less likely to be infected with gum-damaging bacteria.

4. Take adequate vitamin C. Include in your diet foods that are rich in vitamin C such as green leafy vegetables, berries and citrus fruits among others. Vitamin C is helpful in maintaining healthy teeth and gums.

5. No smoking. Cigarettes and tobacco are very destructive to your teeth and gums.

6. Visit your dentist regularly. Even if you don’t feel like you have any tooth or gum problems, it is important that you have an appointment with your dentist at least twice every year.

When you think about dental health, it is not just about keeping your teeth healthy and preventing cavities. The same attention should also be given to gums. If you have doubts about your gum condition, see your dentist immediately. The key to treating and reversing gum problems is early detection and treatment.

Tips to Prevent Asthma Attacks in Kids

A number of my clients looking for a new home are parents who already have small or grownup children. Sometimes, I would hear them complain about the challenges they encounter with having sick children at home. Most notably, I have one client who shared his story about having an asthmatic child and the challenge he encounters from time to time because of that condition. Although he just mentioned his story in passing, his story got etched into my mind. This is because I also have several friends and relatives who have to deal with the same problem.

I had the chance to research more about asthma in kids and I would like to share some of the things I learned about it. In particular, I would like to share some tips on how to deal with asthma in kids.

Asthma is a chronic disease affecting the airways in the lungs. The airways in the lungs become irritated when exposed to allergens and other triggers, resulting to fluid in lungs, read more at http://www.commonbreathingproblems.com. Patients who are suffering from asthma attacks will have difficulty breathing and might experience other asthma symptoms. Asthma is one of the most common conditions affecting children. In fact, in 2010, statistics show that over 7 million children suffer from this condition. It is also the top reason why many children miss out on school, which accounts for over 10 million school days in a year.

While it is not yet clear on what really causes asthma, asthma attacks are possibly caused by different triggers and differ from patient to patient. In children, most common triggers include dust, pollen, smoke, fatigue, and weather condition. Some children might outgrow their triggers, while others might be affected by the same triggers until adulthood.

There is no cure for asthma at this time but there are ways on how you can prevent asthma attacks:

  • Identify the specific trigger. If you are not yet sure on what triggers an asthma attack in your child, you could work with your child’s doctor or with a specialist doctor called allergist to identify the triggers.
  • Keep your child’s room clean and dust-free as much as possible. This can be done by regular vacuuming and by getting rid of stuffed animals.
  • Bed sheets must be washed in hot water for at least once a week.
  • Get rid of rugs and carpets as they collect dust which is a common asthma trigger.
  • Keep your child away from pets as much as possible.
  • Learn how to use some of the most common home remedies for asthma, which include ginger, garlic, eucalyptus oil, figs, honey and onion among others. Many of these remedies can be administered daily to avoid future asthma attacks.
  • Talk with your doctor if any medication is needed for your child.

It can be a challenge for parents to have an asthmatic child. But the tips mentioned here can greatly help your kid prevent future asthma attacks. They might not be a guarantee that your child will no longer suffer from future asthma attacks but these tips will surely help lessen the chances.

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.