Homemade soft scrub cleaner is one of the quickest and easiest cleaners to make. It is so easy you won’t be spending lots of money of expensive store bought cleaners anymore.

Here is an easy recipe for scrubbing cleaner:

Ingredients:

3/4 cup baking soda
1/4 cup borax
dishwashing liquid

1. Combine the baking soda and borax.

2. Mix in enough dishwashing liquid to make a smooth paste.

3. If you prefer a pleasant smell, add 1/4 teaspoon lemon juice to the paste or a few drops of essential oil.

 

There are lots of different types of mortgages out there but the most popular mortgage is a fixed-rate mortgage. A fixed-rate mortgage has a fixed interest rate for the entire term of the loan. The interest rate is determined at the loan’s origination. One of the main advantages of a fixed-rate mortgage is that the loan payment amounts will stay the same for the life of the loan and will not fluctuate with interest rate movements.

Lenders offer 50, 30, 20, and 10-year fixed loans. The two most popular are the 30 and 15 year fixed loan. A 30-year fixed loan amortizes over thirty years, with the majority of early payments going toward interest, later payments go mostly toward the principal. A 15-year fixed loan, amortizes over fifteen years, and significantly reduces the amount of interest paid on the loan.

When considering a mortgage understand and measure risks of all the different types of mortgages.

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It seems everyone has an opinion on the best way to wash hardwood floors. Some say soap and water, others polish, or wax. It can all be very confusing.
These tips will help you have your hardwoods happily gleaming in no time.

In order to know how to clean your floors you will first need to determine the finish. In other words, you will need to know how your wood floor is sealed. It is the finish, not the wood type that determines how you clean and care for the floor.

Surface-sealed floors: If your hardwoods are newer they are most likely sealed with urethane, polyurethane or polyacrylic. These floors are the easiest to clean. All they need is a sweep, a quick mop and just like that you are done!

Penetrating-seal-treated and oil-treated floors: Another type of common hardwood floor is a penetrating seal or oil finish. These soak into the wood grain and harden. This type of floor can be difficult to maintain, these floors must be be protected with liquid or paste wax.

Lacquered, varnished, shellacked and untreated floors: Another fussy floor to deal with, these floors need to be protected with liquid or paste wax. They are not as resistant to moisture, spills and wear and tear.

If you don’t know what kind of finish you have rub your finger across the floor. If no smudge appears, the floor is surface sealed. If you do create a smudge, the floor has been treated with a penetrating seal, oil finish, shellac, varnish or lacquer, and then waxed.

A house needs to be sold three times when it is on the market. First it needs to be sold to other agents so they will want to show and sell the home. Second it needs to be sold to buyers and lastly to the appraiser. Even if the buyer is willing to pay a certain price for a home they usually need a mortgage. That means it is actually the bank who is buying the home. The bank wants to protect their investment so they do an appraisal. When the appraisal comes back low or as an under-appraisal deals can fall apart.

If you are a seller or a buyer you need to know how to protect yourself from short appraisals? Here are some suggestions from Bankrate.com for buyers and sellers.

If you’re a buyer:

– Tell your lender to find an appraiser who comes from your county, or perhaps a neighboring county.

– Request that the appraiser have a residential appraiser certification and a professional designation. Examples include the Appraisal Institute’s senior residential appraiser, or SRA, or member of the Appraisal Institute, or MAI, designations.

– Meet the appraiser when he or she inspects the home and share your knowledge of recent short sales and foreclosures that might skew the comps.

“Many appraisers are just pulling up data out of MLS (Multiple Listing Service) or off the deed at the courthouse and not checking it out,” Sellers says. “Most good appraisers will appreciate the information.”

And yes, you can speak with your appraiser; the prohibition only applies to your lender.

If you’re a seller:

–·Get an appraisal before you list a home. Search for a qualified appraiser in your area on the Appraisal Institute website.

– Use the appraisal to set a realistic listing price for your home.

– Give a copy of your pre-listing appraisal to the buyer’s appraiser. The more professional appraisers will understand that you’re just trying to add more data and another perspective.

– Question a low appraisal. There’s always a chance the appraiser or a supervisor will take into account new or overlooked information.

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