Fun Facts about Toilets

Content originally published and Shared from http://perfectbath.com

Can you imagine life without toilet paper? Just thinking about it makes you feel nervous, right? Some people find talking about toilets quite disgusting, but there are actually many interesting facts about them. Here are some:

Photo by Renee Verberne on Unsplash

What did people use before toilet paper was invented?
Well, what you used for your personal bathroom needs before the invention of toilet paper depended to some degree on your social status and your geographical location.

If you were wealthy, then you might use wool, or a soft – and washable – rag. The Ancient Romans used sponges on sticks and then soaked in water.

If you were not so well off, then the most common thing to do was simply to grab a fistful of grass, leaves or straw to do what needed to be done.

In some parts of the world, going to the toilet always meant just going to the nearest river or stream and letting the current carry the waste away. Any wiping was done just by hand. That is why in India and some parts of the Middle East it is considered offensive to eat or pass food at table with your left hand – because that’s the one that you would use in the river.

In many European countries today, the use of toilet paper is considered dirty and unhygienic. In these countries the most common practice is a thorough, soapy wash and rinse afterwards using a ‘bidet.’ This is a sort of low basin with hot water tap and soap that you sit on and is usually placed next to the toilet for convenience. Source: Owlcation

Are toilets really dirty?
Contrary to popular belief, the toilet seat is the cleanest part in the bathroom since most people take great care to ensure its clean before sitting on it, according to University of Arizona microbiologist Charles Gerba. The bathroom door handle is also a less germ-infested part, since bacteria cannot thrive on cold, dry surfaces for long. Source: MSN

How do most people put the toilet paper on the holder?
Over $100,000 US dollars was spent on a study to determine whether most people put their toilet paper on the holder with the flap in front or behind. The conclusion: three out of four people have the flap in the front. Source: PlayBuzz

Are you surprised about some of the facts above? If you enjoyed this, then you should check out other articles here on our blog. We also offer the latest toilets available on the market – browse our website for options!

 

Contact:
Perfect Bath
Phone: Toll Free 1-866-843-1641
Calgary, Alberta
Email: info@perfectbath.com

The post Fun Facts about Toilets appeared first on Perfect Bath Canada.

from Perfect Bath Canada https://ift.tt/2tI5u7V

USDA Loans – USDA Loan Rates & Requirements (Updated For 2019)

The USDA Rural Housing mortgage allows 100% financing and is available in most parts of the country. Review qualifications and get rates.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2qrYuZ1

2019 USDA Loan Income Limits & USDA Eligibility Check

About the USDA Rural Housing Program (Section 502), including household income limits for 2017. Lookup table by county, plus mortgage rates.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2kFoeQw

Final approval from the underwriter: What happens next?

Final approval from the underwriter is a big step, but it's not the last step. Your lender will conduct a final review and some quality control. Don't drop the ball here and lose your approval and your home.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2lOAiQg

Earnest money check, down payment and closing costs: When are they due?

Buying a home means paying certain costs at specified times during the process. The earnest money check is one of the first things you'll pay. But if things don't work out, you usually get the money back.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2Gy5RGh

Mortgage rates today, February 28, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2tG3XiD

Hot spring homebuying season? Maybe not

Spring is typically the hottest homebuying season of the year. But in 2019, that trend might not hold true. With mortgage rates near one-year lows, home sales down and showings on a steep downturn, spring is shaping up to be a pretty good time to buy a home.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2Hc7kFQ

Shower vs. Bathtub

Content originally published and Shared from http://perfectbath.com

Contemplating whether you should put a bathtub or a shower in your bathroom? Here are some factors to consider:

Photo by Karla Alexander on Unsplash

Who will use the bathroom?
Think of either the people in your household or your potential buyers. Young, busy couples tend to prefer walk-in showers over tubs. The same is true for many elderly and disabled individuals because walk-ins are easy to get into and out of; however, these homeowners tend to prefer a place to sit and railings for safety and ease. Although, it would be difficult for parents of babies and toddlers to manage bath time in a shower.

If you are looking to age-in-place, a shower is a good investment. If you are planning to start a family, make sure you have at least one tub.

Baths in a master suite are usually only used by adults. If you plan to keep or install a master bathtub, consider deep, stand-alone models. These provide a luxurious option for those who like to soak in comfort. There are models for every aesthetic, easily incorporated into modern, rustic and antique designs. You can even look for varieties with jets or internal heaters that help keep the water warm. Source: TheSpruce

Which is more environmentally friendly?
Showers beat baths from an environment standpoint so long as you aren’t taking a very long shower, Grist reported earlier this year.

The best way to conserve water is to use a water-saving shower head, which uses no more than two gallons of water per minute. A 10-minute shower will put you at only 20 gallons on average to get clean through this method.

The average bath uses 36 gallons to fill a tub, while the average shower (without the water-saving device) uses five gallons of water per minute, according to the U.S. Geological Survey.

You can make it snappy and rinse off between five and seven minutes with a regular shower head, or go a bit longer with a water-reducing nozzle instead. Source: HuffPost

Does the bathroom have enough space?
Space is at a premium in the average bathroom, which often measures just 5 by 8. While a standard tub measures 30 inches wide, it can be as long as 72 inches, according to This Old House, while stand-alone showers range from 36 by 36 inches to 36 by 48. This smaller footprint allows a shower to fit much more readily in a small bathroom than a tub, freeing up space for other features. Eliminating the tub in favor of the shower also allows homeowners to incorporate a larger, spa-like shower rather than the standard enclosure, while still utilizing less space than the average bathtub. Source: HomeGuides.SFGate

If at this point you’re still undecided on which to get, we can help you pick what works best for your bathroom. Call us today!

 

Contact:
Perfect Bath
Phone: Toll Free 1-866-843-1641
Calgary, Alberta
Email: info@perfectbath.com

The post Shower vs. Bathtub appeared first on Perfect Bath Canada.

from Perfect Bath Canada https://ift.tt/2BWrNvb

My house appraisal came in too low. What now?

What to do when you home fails to appraise for its purchase price, or when your home appraisal is turned down because of loan-to-value (LTV).

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2T3A6Qd

Mortgage rates today, February 27, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2IBCEAb

“Bank of Mom and Dad” clocks in as the nation’s No. 7 lender

The No. 7 U.S. lender isn’t a big bank of fintech firm. Nope. According to a new analysis, it’s good old mom and dad.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2Svtrcl

3 Ways to Lower Blood Pressure

Content originally published and Shared from http://perfectbath.com

Don’t let hypertension defeat you. Manage this condition by consistently following these important tips:

Photo by rawpixel on Unsplash

Regular exercise
Exercise is one of the best things you can do to lower high blood pressure.

Regular exercise helps make your heart stronger and more efficient at pumping blood, which lowers the pressure in your arteries.

In fact, 150 minutes of moderate exercise, such as walking, or 75 minutes of vigorous exercise, such as running, per week can help lower blood pressure and improve your heart health.

What’s more, doing even more exercise reduces your blood pressure even further, according to the National Walkers’ Health Study.

Bottom Line: Walking just 30 minutes a day can help lower your blood pressure. More exercise helps reduce it even further. Source: MedicalNewsToday

Reduce salt intake
We need sodium to live, but too much salt leads the body to hold on to more fluids and that causes volume changes inside blood vessels. Over time, blood pressure rises.

“The problem is, salt is everywhere,” Haythe noted.

“It’s not just the salt that you add with the shaker,” Blankstein added. “Most of the sodium we get in our diet is found in various processed foods — things like canned soups, chips, cold cuts, pickles and even bread.”

He recommended consuming less than 2 grams (2,000 mg) of salt — or less than one teaspoon — a day for people who are trying to lower their blood pressure. That can be very effective, he said. Source: Today

Relax in a sauna
Studying more than 1,600 middle-aged men in Finland, researchers found that those who took sauna baths four to seven times a week cut their risk of high blood pressure by nearly half, compared to once-a-week sauna bathers.

“Sauna bathing may decrease systemic blood pressure through different biological mechanisms,” said study researcher Jari Laukkanen, a professor at the University of Eastern Finland, and colleagues.

In the sauna, your body temperature rises, widening the blood vessels. Over time, this appears to improve the function of the inside layer of blood vessels, the researchers explained. Sauna baths also remove fluid from the body through sweating, and relax the body and mind, the researchers added. Source: WebMD

You have many options to choose from when it comes to lowering your blood pressure. But out of all your options, nothing beats the ease of relaxing in a sauna. If you don’t have a sauna yet, today is the best time to get one. Give us a call!

 

Contact:
Perfect Bath
Phone: Toll Free 1-866-843-1641
Calgary, Alberta
Email: info@perfectbath.com

The post 3 Ways to Lower Blood Pressure appeared first on Perfect Bath Canada.

from Perfect Bath Canada https://ift.tt/2StBZkj

“Not For Resale” Golf Clubs

If you ever purchase a golf club from a third-party seller that has “Not For Resale” marked on the shaft and/or club head, you might feel a bit of concern. Are you stuck with this... Read more

The post “Not For Resale” Golf Clubs appeared first on American Golf Blog.

from American Golf Blog https://ift.tt/2tG2clG

Bank statements: 3 things mortgage lenders don’t want to see

Bank statements say a lot about a mortgage applicant. Check for 3 common issues when turning your account paperwork in to your lender.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2Exe13z

Mortgage insurance premiums are still deductible for the 2018 tax year

Good news for those who pay private mortgage insurance (PMI) premiums on their mortgage. They are still tax deductible -- for now.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2F5rI7T

Mortgage rates today, February 26, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2tEtXes

Spring Break short-term rental demand: Where homeowners stand to gain the most

Own a home in Big Sky, Montana? Then you might want to consider listing it on Airbnb before Spring Break rolls in. According to new data, the city offers the nation’s biggest Spring Break jump in short-term rental rates.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2tERg7F

3 Tips on Planning Your Bathroom Remodel

Mortgage rates today, February 25, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2IDxW55

Buying or selling a luxury home? Here are the best markets to do it in

If you’re hoping to buy a luxury home this year, then you might want to stock up on swimsuits. According to a new analysis, none other than Maui, Hawaii, is the nation’s top market for luxury buyers.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2SnSYV6

Tips on Cleaning Bathroom Grout

Mortgage broker popularity rises: Here’s why that’s good for you

When you shop for a mortgage, compare quotes from a mortgage broker with those of a direct lender or bank. Mortgage brokers compete with banks and may offer a better deal.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2E8o5i2

Mortgage rates today, February 22, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2IwuXLE

What are your chances of mortgage approval? Your down payment and credit score make a big difference

Most mortgage applicants are not perfect If you’re reading this article, chances are you’re at least a little worried about obtaining mortgage approval. An Urban Institute study classified mortgage applicants […]

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2GXpICm

March 2019 mortgage rates forecast (FHA, VA, USDA, Conventional)

March 2019 will be a pivotal month for mortgage rates. Rates are at one-year lows, but might shift drastically by mid-March. Decide on your best mortgage rate strategy for February.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2lpIMjN

Before Making A 20% Mortgage Down Payment, Read This

Making a large downpayment is not the conservative investment you believe it is. The risks of putting 20% down on a home are real. Know what you should do.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2qvRNq8

Mortgage rates today, February 21, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2tFFjyR

Checking in on housing inventory: Are things finally swinging in buyers’ favor?

Housing inventory is finally on the rise. According to new data, January saw for-sale inventory jump 1.2 percent over December, marking the first time in half a decade that has happened. The last time a calendar year kicked off with an increase in inventory was 2014.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2BH2ZH9

Universal Design Ideas for Your Bathroom

Content originally published and Shared from http://perfectbath.com

Thinking about how long you’ll likely stay in your home can help you plan a universal design for your bathroom. This is beneficial to everyone in the family including the children and the elderly. If you have no idea where to start, here are some great tips:

Photo by Jose Soriano on Unsplash

Single-lever faucets
When choosing a faucet, it’s important to keep in mind how people with limited mobility will use it. A single-lever design can be turned off and on with an open palm or a closed fist, which makes it the perfect addition to a universally designed bathroom. Source: BHG

Flooring that prevents slips
Textured flooring in any location can help prevent dangerous trips, slips, and falls. Tile presents a variety of textural possibilities in the bathroom that can work for universal-design updates. “In showers, we like to cut the tiles in a two-by-two size so that you have a lot of grout in between to prevent slipping,” says Kelly. Larger floor-mat tiles with a bit of texture can also create more friction for walking. Source: ThisOldHouse

Ample space
Wheelchair-accessible bathroom dimensions require clear space of at least 5 feet (60 inches) in diameter to allow a 180-degree turn. If space is at a premium, consider keeping the room open rather than compartmentalizing the toilet so that a wheelchair’s turning radius can be accommodated. Source: HouseLogic

Easy access
Create an easy-to-use bathroom on your home’s main level. If your house has more than one floor, make sure an accommodating bathroom is located on the main level. That way, family members or guests who might not be able to handle stairs will have access to a comfortable bathroom, making your home more welcoming for everyone. Source:  DIYNetwork

Grab bars
Whether a bather is 6 or 60, anyone could use the security of a grab bar in the shower. Sleek grab bars can double as towel holders, and there are modern options that will complement the overall look of your bathroom rather than detracting from it. Source: HGTV

Take a look at our website and feel free to call us if you need help on planning your dream bathroom.

 

Contact:
Perfect Bath
Phone: Toll Free 1-866-843-1641
Calgary, Alberta
Email: info@perfectbath.com

The post Universal Design Ideas for Your Bathroom appeared first on Perfect Bath Canada.

from Perfect Bath Canada https://ift.tt/2SgD26J

You Don’t Need A 20% Downpayment To Buy A Home

You don't need to make a 20% downpayment to purchase a home. Review popular low- and no-downpayment mortgage programs and get a complimentary mortgage rate quote.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2qSm2t4

Mortgage rates today, February 20, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2BK4VyV

Are tiny homes on trend? Data shows they might not be so practical after all

Tiny homes are often billed as the new big trend in real estate, but according to data, that just isn’t the case. In fact, tiny homes only made up a mere 2.1 percent of all New York City sales in the last eight years — and that’s the highest share of all major cities in the country.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2E7BJSX

Will a buying your first house wreck your lifestyle?

Before buying your first house, check your finances. And how you currently spend your money and your time. Because being house-poor is no fun, and you don't want to make a decision you regret.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports https://ift.tt/2DWl5FJ

Mortgage rates today, February 19, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2BJHPIw

Homebuyers in these states enjoy the lowest mortgage rates

Looking to snag a low mortgage rate? Then considering putting down roots in California. According to new data, the state claims the lowest mortgage rates in the nation.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2IoVgnb

Looking to sell a home? Try this iBuyer marketplace to strike the best deal

For the past few years, iBuyers like Opendoor, Offerpad and other similar platforms have been simplifying the sales process for homeowners across the country, offering easy, instant cash offers, without all the hassle and headache of the open market. Now, with the launch of a new online marketplace, sellers can do more than just utilize iBuyers to sell their homes; they can actually compare the offers of more than 100 iBuyers in one single place, too.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2S77Pmx

PMI mistakes to avoid: How to pay less for mortgage insurance

It is difficult to avoid mortgage insurance if you buy a home with less than 20 percent down. But it's possible. There are also many ways to pay less for mortgage insurance, and we're going to show you how.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2DHFI8c

Pest Control Considerations During a Bathroom Renovation

Content originally published and Shared from http://perfectbath.com

Do you think Pest Control during a bathroom renovation is necessary?  Well, it certainly is important.  Often when we are doing a bathroom renovation we will find evidence of a pest infestation.The warm moist conditions are prone to many different kinds of pests.

Renovating spaces in your house increases the risk for pest infestation. This includes mice, ants, termites, wasps, and bees.The risk comes as materials are being stripped from walls, floors, and ceilings and opening your home to the outside world.The areas become open and vulnerable to pests that want to enter your home.

One of the favorite places for insects is where it there is moisture, humidity and food.That means a bathroom is perfect. When doing your bathroom renovation you may find those pests even when you didn’t know you have them.

If there has been a plumbing issue, you may just have drain flies.They come in large numbers and can breed inside drains that have accumulations of organic matter.Drain flies can also breed where water and decay exist.  They will enter the bathroom thru the sewer main, a break in the line or perhaps dry drain taps that are not frequently used.

We recommend using Natural Pest Solutions for Pest Inspections at the start of a remodeling project to help protect your home from any pest invasion.

Ant Control during your Bathroom Renovation

Ants are attracted to areas of high moisture such as bathrooms.  They are also attracted to scents coming from drains, stagnate water as well as hair that has been stuck in the drain.  Once they find a food source for their colony they bring their friends.

Carpenter ants tunnel into wood to nest which will damage any wooden structure.This is a problem often found in bathrooms where wood is moist.  This makes it much easier for the carpenter ants to tunnel and cause damage.  Keep in mind carpenter ants like to nest far beneath the surface so if you use a store bought chemical you may miss some.  Which means they are still nesting in your wood and come back to invade you nice new bathroom remodel.

Call Natural Pest Solutions.They are the professionals to call when you need ant control.

Mice control during your bathroom renovation

Mice are capable of entering your home through openings smaller than you would imagine.  They can come through drainage pipes if not properly sealed.  Mice enter through sink and bathtub drains as well.  They can even find and fit their way through plumbing lines. And, they love to breed, making a complete infestation happen pretty quickly.

During a bathroom renovation, many of these spaces are opened and exposed.This is the perfect opportunity for mice to take advantage and find a nice cozy place to stay.

Natural Pest Solutions has the solutions to keep those slinky mice from coming up through the cracks!

The post Pest Control Considerations During a Bathroom Renovation appeared first on Perfect Bath Canada.

from Perfect Bath Canada http://bit.ly/2V1VQbH

Mortgage rates today, February 15, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2STj8mF

Off-base: Avoid substandard military housing with your BAH and a VA mortgage

Congress is investigating unsafe military housing provided to servicemembers in the US. But you may be able to buy your own home using a VA mortgage and housing allowance. Here's how.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2X5wmfy

Mortgage rates today, February 14, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2BB1cUa

What the experts say: Should you buy a home with someone you’re not married to?

You're not exactly single, and you're not exactly married. And you're not exactly (yet) a homeowner. So, should you buy a home with someone you're not married to?

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2DEIBXs

First-time homebuyers: The central U.S. makes it easiest to buy a house

Americans looking to buy a house — and do so affordably — might want to head to inward. According to a new ranking, Pittsburgh, Cleveland and Oklahoma City are the best cities for first-time homebuyers, boasting affordable entry-level homes, low down payment averages and not-so-stringent credit score standards.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2tuDDbn

Mortgage rates today, February 13, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2GpWpsR

More married homeowners are bringing in renters to cover housing costs — especially in the West

The number of married couples living with roommates has more than doubled since 1995. According to new data, nearly 280,000 married homeowners had renters on their properties last year. In the costly Western housing markets, the trend is growing even more.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2E7qta9

What the experts say: Should you become a landlord?

You own a home and have to move. or you see a great deal on a rental. But do you have the experience, money and temperament to deal with tenants? Should you become a landlord?

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2UXVfbb

How Often Should You Golf?

Have you ever tried to golf after a long hiatus? A snowed-in winter? A scorching summer? “It’s like riding a bike,” you might think. “I’ll never forget.” And maybe you step up to the tee... Read more

The post How Often Should You Golf? appeared first on American Golf Blog.

from American Golf Blog http://bit.ly/2TRJ8wl

Avoiding PMI is costing you $13,000 per year

"Experts" tell you to avoid private mortgage insurance (PMI). They don't tell you, though, that you could be leaving five-figure returns on the table.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2oOWNc5

Mortgage rates today, February 12, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2WYlyQj

Americans want to buy homes — and these are the lengths they’re willing to go to do it

Aspiring homeowners are willing to do a lot in order to buy a house. According to new data, many would work an extra job or even add a roommate in order to realize their dreams of homeownership sooner.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2E7aDMM

4 Benefits of Sweating

Content originally published and Shared from http://perfectbath.com

Sweating a lot during an infrared sauna session is undeniably relaxing. But there’s actually more to it than that. Learn more about some of the reasons why having a good sweat is important as you read below:

Photo by Hans Reniers on Unsplash

Detoxification
If there’s one thing that sweating is good for, it’s detoxification. Beyond juicing and other fad-type cleanses and diets, sweating is the number one most efficient way to eliminate toxins from your body.

Sweating flushes a wide range of potential pollutants from your body, including alcohol, cholesterol and certain types of salt. It also banishes many other chemicals and compounds which can otherwise accumulate inside you and create all sorts of trouble. Sweat is the conduit by which these nasties are expunged from the body. Source: TheAlternativeDaily

Eliminate zits
“When you sweat, your pores open and release the grit and grime that has built up inside of them,” says Whitney Bowe, MD, a dermatologist in Briarcliff Manor, New York. Caveat: Don’t just sweat and go. All of that dirt from your pores accumulates on the surface of your skin, so aim to wash your face three times a day, especially if you are constantly playing sports or working out. Source: FitnessMagazine

Protect kidneys
Sweating limits the accumulation of salt and calcium in the kidneys and urine, which can reduce the risk of kidney stones. In addition, more sweating increases thirst, which may lead to greater water consumption. The more water goes in, the less likely it is that kidney stones will form. Source: Fix

Antibacterial properties
Dermcidin is an antimicrobial peptide with a broad spectrum of activity that is expressed in eccrine sweat glands and secreted into sweat. In the average healthy person, research shows that sweating leads to a reduction of viable bacteria on your skin surface, which may lower your risk of skin infections.

In fact, one study suggested that people with atopic dermatitis, who have recurrent bacterial or viral skin infections, may be lacking dermcidin in their sweat, which may impair the innate defense system in human skin. Source: Fitness.Mercola

Having your very own sauna at home means unlimited time for relaxing and detoxification. You can even invite your friends over for a spa day. If you don’t have a sauna yet, feel free to call us today for more information!

 

Contact:
Perfect Bath
Phone: Toll Free 1-866-843-1641

The post 4 Benefits of Sweating appeared first on Perfect Bath Canada.

from Perfect Bath Canada http://bit.ly/2WX1NZi

Mortgage rates today, February 11, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2I3NGOB

It’s a bad time to be a renter — here’s how much rents jumped in the last year

Rents continued their upward climb last year, with even small, studio properties clocking in at an average $1,065 rent by December’s end. And according to new data, Newark, New Jersey renters got hit the worst.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2MZNX3V

Mortgage rates: Recognize this mortgage lender sales trick, and don’t fall for it

Yes, there is a series of videos on YouTube instructing mortgage loan officers and brokers on how to limit competition and how to sell higher prices and mortgage rates. And if they are teaching lenders how to foil consumer attempts to get their best deal on a home loan, we thought we'd teach you how to avoid this tactic.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2E2wdlo

Millennials are loving FHA home loans (Here’s why)

Many buyers in their twenties and thirties are now looking to buy a home. But they’re worried about higher interest rates and saving enough for the down payment. That’s why many turn to borrower-friendly options like FHA home loans. This loan requires only 3.5 percent down to those who qualify.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2WOvtI6

The Key to the Women's Market               The Key to the Women's Market: Get Certified The AskPatty.com Certified Female Friendly program is a certification/training and marketing/advertising support program aimed at giving automotive businesses the tools to better reach the eyes and ears of the female consumer.   From initial training, performed online in 18 video training modules at our training portal, to the exceptional advertising and marketing support including access to our constantly-updated marketing portal, you'll have all the skills and tools you need to connect with women in your local area. Enjoy planners, social media graphics, flyers, mailers, web banners, information on car care clinics, monthly webinars, and more, all with one goal in mind: to help you win with women!     For Brands Revitalize your automotive brand to resonate with the majority decision maker in all automotive purchases: women. For Dealerships Create a female-focused culture. Break away from the competition, deliver amazing results and win market-share with women. For Aftermarket Whether your specialty is service, lube, tire, wash, or accessories, reinvigorate your marketing with a fresh, female focus.     Just the Basics: Training, Certification, and Self-Serve Marketing The basic level of the Certified Female Friendly program contains the do-it-yourself tools you'll need to win with women all year round. First, you'll complete our online interactive Certified Female Friendly Training program consisting of a series of video modules. However, getting certified doesn't end when the sticker is on your door. Every month we'll provide you with fresh ideas, promotional guides, social media materials, pre-designed art assets for flyers, mailers, and web graphics, and more - all designed to help you communicate more effectively with women across all social channels. Attend monthly webinars and get key insights on marketing to women topics. Armed with the AskPatty Promise and our creative expertise, your business is sure to wow the women in your area. $350/year Training Enrollment: $85 per trainee (one time)     Marketing Done Lite: Everything in the basic program, plus quarterly marketing support. The middle tier of the program is something we call our "Lite Marketing Program." It is intended for businesses who wish to have some hands-on marketing support from our team, including quarterly consultations, custom creative, and marketing planning. Meet with our team once per quarter and let us give you hands-on insights into how your business can better reach the women in your own local community. $750/year Training Enrollment: $85 per trainee (one time)     The Works: The Premier AskPatty Program with Monthly Marketing Support For businesses who want to be marketing to women powerhouses, this program provides monthly consultations, custom creative, custom built and executed promotions, and more. Agency-style support with the female consumer in mind, in addition to access to our expansive library of pre-designed pieces, social media content, webinars, and more. You Choose: $199 / month, or $2,029.80/year (a savings of 15%) Integration and Setup: $350 (one time) Training Enrollment: $85 per trainee (one time)     Groups, Brands, and More: One Size Doesn't Always Fit All. Over the years we've developed the three tiers of our program to best serve the vast majority of our Certified Female Friendly Customers, but we know that one size - or three sizes - will not always fit everyone. For multi-location groups, larger brands, and similar businesses, we are happy to offer custom programming tailor fit for your organization, with options including live on-site training, bundle pricing, and more. Let's talk about how we can make AskPatty Certified Female Friendly work for you.     Questions? Have questions before you commit? Complete a contact form and schedule a live demo with our staff. We'll cover the program with you in detail, educate you as to how you could benefit, and answer any questions you may have.     Women account for 65% of all new car purchases and 53% of all used car purchases.  What's more, women have an influence over as much as 95% of all new and used vehicle purchases, even if they're not the one signing on the dotted line.  However you shake it, that is a profound influence for women!     Across new car, used car, tire, and service sales, the influence of women can be found in 95% of all purchases made.  That's an astounding amount - made even more important when you consider that only 5% of all automotive businesses are owned by women. If you're not communicating effectively with women, you're not communicating with your base.     Think the influence of women on auto purchases is the same as it ever was?  Think again.  In 1972, only 4% of drivers on the road were women.  Today, it's nearly half. The influence of women on automotive purchases is far more significant now than it was in the late 20th century - believe it!     If you have a service lane, or you own a service center, you've probably noticed a lot of women customers.  It turns out that 65% of women prefer to take their own vehicles in for service, rather than trusting their husband or another male to do it for them. In some areas, this statistic reaches as high as 80%.  If you're not providing exceptional service to women in the service lane, you are almost certainly hurting your bottom line.     THANK YOU for your interest the AskPatty.com Certified Female Friendly Program!   ©2019 AskPatty.com, Inc. This site, its contents and all related content, formats and documents are copyrighted property of AskPatty.com, Inc and are not to be reproduced or republished without the written consent of AskPatty.com, Inc. - AskPatty® and Certified Female Friendly® are U.S. registered trademarks owned by AskPatty.com, Inc Phone 888-737-8599 Email info@askpatty.com   Please add info@askpatty.com to your address book or safe sender list so our emails get to your inbox. AskPatty.com, Inc 38180 Del Webb Blvd PMB 157, Palm Desert CA 92211-1256 United States. Report Abuse | Unsubscribe | Edit Profile SHARE THIS EMAIL     Sign up for your account

from Ask Patty - Automotive Advice for Women http://bit.ly/2RLFdPC

Mortgage rates today, February 8, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2I0iGyX

Mortgage rates today, February 7, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2TzH7o8

Generation Z: Want to own a home by 30? Here’s how much you need to save a month

If members of Generation Z want to own a home, they need to start saving today. According to new data, Gen Zers need to save more than $300 a month to buy a house by age 30.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2SfxOxe

Mortgage rates today, February 6, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2RIeS59

South Dakota, Florida & Delaware: The nation’s most affordable places to retire in

Nearing retirement and want to save? Then you may want to head to Sioux Falls, South Dakota. According to a new ranking, the city is the nation’s most affordable place to retire, offering low home prices and an even lower cost of living.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2Sdb1SK

Is seller financing a good idea for buyers or owners?

Seller financing simply means that the owner of the property is willing to finance the purchase.  So a buyer who can't pay cash does not need to get a mortgage from a bank or other lender. But is it a good option for either party?

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2UGazZO

Staging your home helps it sell 73% faster, on average [Video]

Selling your home? Make sure you stage it for sale. Staged homes sell 73% faster than non-staged homes; and sell at higher prices, too. Here's how to do it.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2yin96R

Mortgage rates today, February 5, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2t8T48R

Home sellers made record profits last year; will 2019 be the same?

Last year was a good time to sell your home, apparently. According to new data, U.S. home sellers made record profits in 2018, clocking in with an average of $61,000 per sale.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2RIdgrO

My second mortgage rate is too high! What should I do?

There are many reasons a home buyer or homeowner might take on a not-great second mortgage, home equity loan (HEL) or home equity line of credit (HELOC). If you've got one, you might be experiencing borrower's remorse. So what can you do about a bad second mortgage rate today?

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2WBjnSu

Mortgage rates today, February 4, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2WGGafJ

Single family home: Is it the best option for you?

A single-family home is a vision as well as a bricks-and-mortar reality for millions of home buyers. But now there is some question regarding whether single-family homes will be part of the real estate marketplace in the future.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2UAYBk8

Considering an investment? Here’s where Airbnb hosts make the most

Looking to get in on the Airbnb game this year? Then look to the South and West. According to a new ranking, that’s where Airbnb hosts see the most profits year-round.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2S8bNjJ

Is it harder to sell when my buyer has a VA loan?

My buyer has a VA home loan: Is that good or bad? Your home is on the market, and you receive an offer. Yippee! But your would-be buyer has a […]

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2S3f182

What the experts say: Buying a home on a single income

Buying a home on a single income can be a challenge, especially in more expensive markets. Today's experts tell you what you need to know.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2WE2feL

Mortgage rates today, February 1, 2019, plus lock recommendations

Mortgage rates today are driven by movements in financial markets worldwide. When the economy heats up, bond price drop, and rates increase. When the economy pulls back, interest rates tend to fall.

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2DMULiv

When is income not income for mortgage qualifying?

How much income do you need for a mortgage? What kind of income for mortgage approval do you need? No, not how much. But what sorts of income will lenders […]

from Mortgage Rates, Mortgage News and Strategy : The Mortgage Reports http://bit.ly/2Ux1Ngz