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| Protect them from the low temperatures |
| Take care of his plants |
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Writing
Washington Hispanic
The cold is already allowing to feel. It is good that hurries and takes measures to shelter to the plants and to create heat reservations. Sigua these councils of the experts to protect his garden of the low temperatures:
• Move the plants of containers that it has in the exterior to a corner of his house that receives enough sun and place them on role of newspaper or of aluminum.
• Spray the sheets every so much because the interior ambience tends to dry them.
• When it snows, the whole snow does not shake them to the plant because it can break his stems or branches.
• Cover the roots with mulch. It must be composed of small pieces of sheets and wood, not of entire pieces.
Prune the dry branches of the perennial ones at the level of the ground, after a frost to clean the garden and to avoid the pests and illnesses.
• Cover the ground with made fertilizer of remains of sheets and lawn to give him an organic conditioning. The batteries of warm fertilizer kill the weeds.
• Cut the sheets sick with the plants and always green shrubs. The rake happens and it eliminates the whole old mulch.
Pay the ground of the perennial ones and the shrubs with stiffness of pine or cut sheets.
• Place branches of always green plants as fertilizer in the base of the shrubs to prevent the ground from being flattered or from coming undone.
• Surround small shrubs of wide sheets with cloth walls to prevent from giving them the frozen wind.
| Change the batteries periodically |
| Guarantee the safety inside house |
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Writing
Washington Hispanic
While the persons take all kinds of precautions to guarantee the safety and the health of his families, some products of the house can need more attention and maintenance to protect his beings wanted in the hearth as sure as possible. A recent study shows that many Americans without knowing it, run the risk of getting injured or worse because they live with the use of products that they do not support appropriately or do not replace it.
“ Most of us have trained us to pay attention to the due dates of the food”, says Meri-K Appy, president of the Security Council in the Hearth an organization without lucre ends. “But: how many of us are we thinking about the useful life of the products to be counted and to be lived every day? It is easy to give for understood on the dates of changing the batteries to the detectors of smoke and the utility of the pillows, or even our toothbrushes. But the truth is that if he is careless about the products that substitute these and others, you might in risk his lives“.
The following list of products sensitive to the time needs to be replaced of regular form to support the maximum yield:
The alarms of smoke - These devices potentially save the life, have a proper life and expire after 10 years or 87.000 hours of service. Nevertheless, a new study realized by First Alert, discovered recently that almost a quarter of the Americans (23 per cent) or the smoke alarms have not replaced in his hearths or they have not done it in any more than six years.
Without protection, these houses and his occupants are in danger of 900 lives turning into one of the USA gets lost every year in the house of the fires. Due to the absence of alarms of smoke in functioning according to the informed for National Fire Protection Association.
Carbon monoxide alarms - According to the American Medical Association, the carbon monoxide ingestion is the cause number 1 of accidental poisoning in the USA. Nevertheless, alarming 25 per cent of the American hearths are not equipped with the alarms of CO and another 23 per cent have alarms detectoras of CO that they have never been replaced, according to the recent study of First Alert.
The NFPA recommends the installation of CO'S alarms out of every area of sleeping and in every level of the house, including the cellar.
The fires extingüidores - just as his alarm counterparts, extinguidores of fires must be inspected periodically to make sure that the pressure is at the recommended level and all the pieces are operable and do not be damaged. If an extinguidor is damaged somehow or needs to be recharged, it is better to replace the unit completely, he recommends the Administration of Fires of the USA.
Filters of the cauldron - not only the filters of the cauldron to help to save in energy costs, but also they reduce the fire risk. As well as the screens of finished dryer it can cause fires, therefore it can filters dirty or covered in the stove. On having replaced a filter, bear in mind that many of the available products are disposable.
| More frequent questions |
| On the modification of loans |
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Bertha Sáenz
Washington Hispanic
Many owners listen on the process of modification of the mortgage loan and questions arise. In this House edition He Guides we have consulted with lawyer Wanni and Associates, on some of the most frequent questions on this process.
1 asks: How long does he delay the bank in modifying my loan?
Answer: The time that delays the bank depends of how busy this one and of the complexity of his case, Typically he stays on between one (1) and four (4) months.
2 asks: Can I suspend the date of auction (foreclosure) from my house?
Answer: If, you have to notify to the legal department of the bank and allow him to know that he wants to modify his mortgage loan.
In many of the cases you have to hire the services of a lawyer, immediate attention is needed!
3 asks: Can I modify other properties, in addition to my principal residence?
Answer: If, you can modify properties of investment, the second properties and commercial properties, across the Plan of Economic Stimulus or Traditional plans.
4 asks: Do I need to be slowed down in my mortgage payments for a modification?
Answer: No, In accordance with The Plan of Economic Stimulus of the President Obama who entered validity in March 4 of 2009, you do not need to be slowed down in his mortgage payments to obtain a modification, Nevertheless, it has to demonstrate that it crosses financial difficulties to be eligible.
5 asks: Do I need to qualify to obtain a mortgage modification?
Answer: If, But it will be a bit different from when I buy the house, remember that you have to be crossing a financial difficulty and also it has to demonstrate that you have the aptitude to pay the mortgage modified more all his monthly expenses.
6 asks: If I have bad credit can I qualify for a modification yet?
Answer: Many people who applies for a this modification of loan crossing financial difficulties, fortunately, the bank do not pay a lot of attention on his credit, but if to his debts and he is going to compare it with his financial condition that has presented him.
7 asks: what spends if my property was devaluated and I owe him to the bank more than it costs?
Answer: This can be favorable for you when he looks for a Modification. If his property was devaluated and the bank finishes off his property, the bank will have to assume the losses. Remember, while more under the value, major the loss will be for the Bank.
8 asks: Can I apply for a modification earlier or after a bankruptcy?
Answer: Probably you might achieve a modification earlier and after a Bankruptcy.
It is recommended to consult with a lawyer because every state has different laws in relation to the bankruptcy.
| If it rents or rents ask for a discount |
| Help to negotiate a reduction in his revenue |
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Writing
Washington Hispanic
Of course I already listen to this but now it is a good moment to save in his revenue. For the first time in the last 20 years the revenues have gone down and there are more apartments and houses available for renting, according to information of the industry.
If it rents these there are some advices that might help him to negotiate a reduction in his revenue. If you are a householder or lessor takes note and he is prepared for what his tenants can ask him and what you perhaps have to offer.
If you have been a good tenant during the last year, paying on time his revenue, do not hesitate to contact his lessor and to ask him to do a discount to him.
Verify the prices of other apartments or house similar to his that are letting in the area. That will help him to give itself an idea if he is paying of more and can mention it when he speaks with his householder.
At present the companies of lease offer discounts and special offers that go from a month of free revenue up to services payment.
If it rents or thinks to rent, consider these points in his negotiation but do not forget to acquire your tenant's own insurance. To change of house or of apartment needs that not only he thinks of obtaining an apartment or house at good price, connecting the service of cable, phone and accommodating his furniture, also he has to think in as protecting his goods in case of a theft or another fatality.
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