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Archive for June, 2013

You Think You May Have Mold In Your Home? Easy To Misidentify Mold

Here is the issue: A Lot of people are going to great lengths to ensure that there is no mold in their homes. Now alone, that is a good thing, but there is a problem. Not every inspector is going to be able to correctly identify MOLDmold and within that, what kinds of mold may be dangerous. Although mold has become a bit of a hot topic in home sales, much of this is based on extreme cases. Mold does present a problem, especially when given ideal conditions in which to flourish. That is a moist, humid,and dark area where there is an organic material for it to grown on. Without these conditions, mold cannot grow.

However, there is another problem with mold and that is that it is extremely easy to misidentify mold. In fact many times that mold is found in a home it is in fact mildew. This is another naturally occurring growth that is in no way harmful. What is harmful to humans are a few different types of organically occurring mold such as Mucor, Chaetomium and particularity Stachybotrys. When you hear stories of mold drastically affecting someone’s health it is usually this last form of mold that is being referred to. Typically the only way toMOISTURE remove a growing mold is to remove the nutrient source that it is growing on. That is, the wood (usually). Mold grows best on wood that has been exposed to high levels of moisture and humidity. In an average home this would happen in an area affected by a structural imperfection or after a flood. There are chemical ways of cleaning mold from these surfaces but if you want to be 100% certain it might be a good idea to replace the piece of wood or surface if at all possible.

Keep in mind that everyone’s sensitivity to mold will be different. However, it is safe to assume that WALLSpeople with Asthma, delicate immune systems or allergies will have greater sensitivity to molds. One of the main problems with mold is the fact that is grows unseen in places that its impossible to see such as inside walls, inside sub-floors, in attics and basements. The main thing to be watchful for is areas where the moisture level is high. If you suspect there is mold in your home, be sure to get a certified mold expert in the take a look.

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So, Do You Need Financial Planning?

Well do you need Financial Planning? In this article, I will show you how you can answer this question.

PLANImmediately after we complete our college education, we automatically participate in a race call rat race.

Everyone started the race with a cart. In this cart, we have personal bills, loans and our allowance. As we are single, everything is good and manageable. We can spend what we earn without worry.

Then we meet our partners and get married. Thus we begin our next chapter in life. Our cart becomes heavier and we now worry about our spouse’s bills and loans and kids allowance. Some of us must support our parents too. We may even need to bring our family to vocation. As we grow older, our carts get heavier andWRITE heavier. Do you have enough savings to meet these expenses?

As we know, life is never a straight and smooth path. We will encounter obstacles. Some of these obstacles may set us back in terms of our financial standing .If we do encounter a big obstacle (e.g. critical illness, operation, surgery, business failure) and need a huge sum of money to recover, Do you have enough money to meet this expense? What if the big obstacle results in us being permanently bed-ridden or out of work for a long time, what is going to happen to our cart? Do you have enough money to support yourself and family if that happens?

Many may say, well we have friends and relatives to turn to for help. But our friends and family have their own carts to pull too. If they help push our cart, who is going to push theirs?

FINANCEWe will all retire from work eventually. From then on till we all rest in peace, we do not have regular income but our life must still go on. We still need to pay our bills and we still need to eat. Do you have enough money to support yourself during retirement? 

At old age, our body is no longer working as well as they used to. Our health conditions deteriorate, as we get older. We will need to seek medical help frequently. We may even need to employ a person to take good care of us. Do you have enough money to spend on these medical expenses?

So do you need Financial Planning? If you answer ‘Yes’ to all the above questions, then you are safe and need not worry about Financial Planning. Otherwise, I suggest you start thinking about it.