No one wants to think about being in a situation where their home is destroyed, but being prepared is important. Would you be able to give the insurance company a list of items you have in your home if something happened tomorrow? Chances are you would forget many items if you were listing them from memory.
There are a number of reasons why one spouse stays off a home loan, says John Walsh, CEO of Milford, Conn.-based Total Mortgage. That person’s high debts, low income or poor credit history could be deal-killers or trigger a higher interest rate.
Saving money on energy costs and utility
bills is a high priority for homeowners.
Furnaces can suck up electricity and gas, especially if they’re heating more space than needed. In an attempt to lower energy bills, it’s often tempting to close air vents that you aren’t using. But does it really work, or is this energy-saving trick just a myth? Can you save money by closing heating vents?
The January blahs may have nothing to do with the three pounds you gained in December or the Christmas thank-you notes that remain unwritten. They may signify you’re not getting enough sun, and the solution may be as easy as turning on a light.
Light therapy is as simple as it sounds: sitting near a bright light often enough and long enough for the brain to think that it’s getting orders from the sun, which is in short supply in winter months.
Also called phototherapy, light therapy is surging in popularity, thanks to a spate of studies that show it to be effective in improving mood, reducing fatigue and improving focus. The practice has also benefited from a decline in prices that have made light therapy lamps affordable for more people.