How to Own Your Dream Home

You start dreaming of how wonderful it would be to own a home and start looking around the internet at homes.

It’s an admirable goal with lots of great benefits; building equity, improving your credit score, potential income down the road, but first and foremost it’s a place that you can call your own and build precious memories with your family.

“The distance between your dream home and owning a home is called action”

Dreaming about owning a home is the first and most important step, but buying your first home can be one of the most exhilarating and stressful moments of your life.

Armed with the right information, you can shop for a house, apply for a mortgage, and close the deal with confidence.

Where to Start

The most important thing to do before buying a home is to make sure that it’s the right time to buy. Generally owning a home for at least 5 year, pays of financially (Capital Gains tax benefit, this is for another post). You should play around with a Rent vs. Buy Calculator

The Steps

Step 1: How Much House Can You Afford? villa

I know it’s a touchy subject, but it’s an important one. If you stretch your budget to buy your primary residence that you can barely make payments on, it becomes a liability.

You should want to buy a home, because you want a home, not as an investment. Only buy a house that you can afford today!

As a rule of thumb try to keep your housing expenses (Mortgage, Interest, Property Taxes and Home owners insurance) at about 30% of your income, if you spend much more than that you risk the chance of finding it difficult to cover your monthly expenses.

Step 2: Get your Financial House in Order.

Imagine, you have been searching for the house of your dreams, you finally found it, you go ahead and make an offer, the next day you go down to your bank to apply for a mortgage only to find out that you are not financially qualified to buy it. Your credit score is too low. This could have been avoided with a little advance preparation.

Check Your Credit Score- It should not come as a surprise but getting a mortgage requires a good credit score. This would be a good time to look at your credit score.

You can do so at credit karma or annual credit report both are free to sign up. Be sure to check for errors, this could include accounts that don’t belong to you, wrong addresses, and incorrect payment status.

CPAP Machines – Enhancing Restful Sleep

A good night’s sleep is an important aspect of your health as it allows your body to rest and renew itself. Any condition that interferes with your sleep should be treated as soon as it comes to light. A condition that causes you to have interrupted sleep is known as sleep apnea. This condition causes you to stop breathing in intervals. The breathing gaps can be up to thirty in an hour. When you stop breathing, you will move from deep to light sleep, causing you to have insufficient sleep. CPAP machines are used to treat sleep apnea so that you can enjoy a good night’s sleep. cpap pressure settings

Types Of Sleep Apnea

Sleep apnea can occur as one of two types: central sleep apnea or obstructive sleep apnea. CPAP machines are used in the treatment of OSA and snoring. OSA happens when the walls at the back of your throat relax causing the airways to block when you are asleep. Due to the lack of oxygen, your brain will cause you to move from deep sleep to a light sleep, or you altogether awaken. This helps to open up the blocked airway and you can then breathe again.

This cycle can continue all through the night. When a round of apnea takes place, you will snort and gasp loudly. The problem with OSA is that you will not remember that your sleep was continuously interrupted. You will therefore be tired and sleepy during the day. Your family members are the ones who may observe that there is a problem with how you sleep.


Your doctor may recommend that you use one of the CPAP machines once he has established that you have OSA. Continuous positive airway pressure (CPAP) therapy is mainly used in the treatment of OSA. The therapy is made up of a motor, a mask and a tube. The motor is used to suck in air from the room and gently apply pressure to it. The motor has a filter to ensure that the air which is sucked in is free from impurities. You can decide to purchase a CPAP machine which can warm the air you breathe in. This is done through a tiny water tank which heats up thus releasing warm moisture to the air when the machine is turned on. The hose is used to move the air which is pressurized from the motor to the mask, while the mask which is worn over your nose and mouth enables you to receive the pressurized air into your airways.

Types Of Masks

There are many types of masks and they come in different shapes and sizes so that you can get one which fits you just right. A full mask is one which is placed over both your nose and mouth. On the other hand, a nasal mask is one which is placed over your nose. A nasal pillow mask is fitted right under your nose. You also have the option of choosing a full face mask which will go over your eyes in addition to your nose and mouth. There is also a variation of nose masks which have spikes that go inside your nose. It is important to ensure that the mask is properly sealed so that the air pressure is constant.

How Did Health Care Costs Get So High?

First, let’s get a little historical perspective on American health care. To do that, let’s turn to the American civil war era. In that war, dated tactics and the carnage inflicted by modern weapons of the era combined to cause terrible results. Most of the deaths on both sides of that war were not the result of actual combat but to what happened after a battlefield wound was inflicted. To begin with, evacuation of the wounded moved at a snail’s pace in most instances causing severe delays in treatment of the wounded. Secondly, most wounds were subjected to wound related surgeries and amputations and this often resulted in massive infection. So you might survive a battle wound only to die at the hands of medical care providers whose good intentioned interventions were often quite lethal. High death tolls can also be ascribed to everyday sicknesses and diseases in a time when no antibiotics existed. In total something like 600,000 deaths occurred from all causes, over 2% of the U.S. population at the time!

Let’s skip to the first half of the 20th century for some additional perspective and to bring us up to more modern times. After the civil war there were steady improvements in American medicine in both the understanding and treatment of certain diseases, new surgical techniques and in physician education and training. But for the most part the best that doctors could offer their patients was a “wait and see” approach. Medicine could handle bone fractures and perform risky surgeries and the like (now increasingly practiced in sterile surgical environments) but medicines were not yet available to handle serious illnesses. The majority of deaths remained the result of untreatable conditions such as tuberculosis, pneumonia, scarlet fever and measles and/or related complications. Doctors were increasingly aware of heart and vascular conditions, and cancer but they had almost nothing with which to treat these conditions.