What You Need to do Before You Buy a Home

You may think that you are ready to be homeowner just because you want to own a home, and you believe you have the capital to do so. Not so fast, getting to the point of owning a home requires you to do a fair amount of homework. Here are a few things that you should do prior to starting the process of looking at homes.

First, you need to make sure that your credit score is in a good place so that you can secure a good mortgage rate. Credit scores that are below 660 to 680 will receive higher mortgage payment offers. Much of this has to do with the market and currently a score in the 700, preferably 720 and above, will get a good deal in today's market.

Daniel David Brauer


Make sure that you are buying a home that still keeps you in a comfortable place financially speaking. The rule of thumb is that you don’t want your home payments to exceed more than a third of your gross monthly income. Figure out what the number is that will keep you financially comfortable and make sure to shop in that range.

Remember that that you need to have to be able to give a down payment on any home that you intend on purchasing. The down payment amount is usually a certain percentage of the overall agreed sale amount. The percentage varies depending on the market that you are in but could be anywhere from 10% to 20%.

Daniel David Brauer now lives in New Jersey and is hoping to be a homeowner again someday.

The Importance of OSHA and How it Benefits Employers and Employees

The Occupational Safety and Health Administration, more commonly known as OSHA, is the most important organization in place that protects employees and employers from hazards in the workplace. OSHA is essential to bringing together both employers and employees to ensure that workplace safety has been implemented and that both parties understand what role they have to play in workplace safety. OSHA establishes the workplace safety standards as well as training opportunities for both parties, especially in safety and personnel health. Lastly, OSHA is important because they are the lead advocates and researchers in learning about how workplace safety can be improved.

Daniel David Brauer

OSHA writes the workplace standards for each specific industry. For example, waste workers have very specific safety standards set in place by OSHA that have to do with hazardous waste and the use of protective equipment. At the bare minimum, OSHA requires two things. First, they require that the employer provide workplaces that operates without any known risks or hazards that could cause injury or death. Second, OSHA requires that all companies who have ten or more employees must keep records of all employee injuries, illnesses, or fatalities. OSHA analyzes these records and identifies specific areas where each employer must improve their workplace safety. All incidents of hospitalizations or fatalities of three or more individuals must be reported to OSHA.

Daniel David Brauer is an OSHA trained electrician. He has been trained in OSHA rules and regulations for the use of scaffolds. He is currently seeking employment as a commercial electrician in New Jersey.

How to Solve a Crossword Puzzle Like an Expert

The key to solving crossword puzzles is not knowing the answers immediately but rather understanding how to work with the clues. There various tricks that allow you to get off on the right foot with a crossword puzzle. Starting with short words and fill-in-the-blank clues is the best way to go. Here are a few other tips that you will you solve a crossword puzzle like an expert.

Daniel David Brauer

  • This may seem obvious and amateurish, but many expert crossword puzzle solvers simply guess certain words. You can lightly pencil in letters and words to see if you are right. Check the cross entries after this and check for uncommon letters like K or J. If you are wrong you can always erase your answer.
  • Keep your mind open and do not immediately jump to conclusions. Clues like the word ENTRANCE may lead you to believe that the answer is some opening, but it could also be something like SPELLBIND or FASCINATE. You have to remember that many words have more meanings than just the literal one and that many words have the same spelling for different meanings such as TIRE.
  • The people who make crossword puzzles are trying to confuse you and do not plan on making life easy. Common words that are used to trick crossword puzzle solvers include SHOWER and FLOWER as both could be SHOW or FLOW. The same goes for the phrase DOCTOR"S NUMBER, which could imply anesthesia because the clue NUMBER is implying to NUMB something.

Daniel David Brauer has been completely crossword puzzles for years, and he considers himself to be somewhat of an expert.

Daniel David Brauer  -  Three Tips for Guitar Players of all Levels and Experience

Music is a wonderful thing that brings people together regardless of race, religion, age, and sexual orientation. Music is something that can be appreciated by everyone and with everyone. The ability to bring people together by playing music is a wonderful feeling. The guitar is a popular instrument because of the different genres it is used in. Here are three tips for guitar players of all levels and experience.

•    No matter how good of a guitar player you are, you should use a metronome when you are practicing. If you can't keep time while playing music, then you will have little to contribute in a band. Use a metronome while you play to make sure that you are keeping proper time.

•    It's very easy to get frustrated when you have to play at a fast pace, but you can't keep up. The best way to get better at playing at a fast pace is by playing slow at first and then slowly building up your tempo. If you start out playing slow, you will be able to dissect every part of the passage that you are playing so that when you are you able to play it faster, the passage sounds the way it should. You will be a better guitar player if you start out playing passages slowly and then build up the pace.

•    You need to train your ear so that you can play without any sheet music in front of you. Start training your ear by learning a simple song just by listening to it repetitively. If you do this often, your ear will be trained to the point where you are able to play a song after hearing it a few times.

Daniel David Brauer is an experienced guitar player that has been playing for over 20 years.

Being there

Having the responsibility as head of household or even the family man takes a great deal of personal commitment. Some men believe that being there to provide supporting the necessities that are possession and finance oriented. But there's more to it, there should be emotional support as well. By having the emotional support, your family needs it brings a nucleus which can be strengthened by both being there spiritually and physically. This creates a solid foundation for a family to grow towards a productive and more united relationship. By feeding the nucleus these two, elements, you have a deeper sense of trust between all members of the family. In creating a stronger bond of trust, you have a deeper sense of respect one another. There's also the importance for the man of the household to be a protector. It is a term that is more than a protector in a physical sense but more so a guardian of harmful or threatening elements that can tear apart a family. There will be a certain point where the guardian may face more threats children grow into adults. But that is where trust and respect become a major contributor to defuse any potential damage that can be done. Being there can also bring out leadership qualities from both adults in a relationship. Necessary for both be there to take on any challenges to the family as one adult may not be emotionally able to or physically be there. And some people like Daniel David Brauer gives all his efforts for their family.

Daniel David Brauer

Choosing the Right Telescope

Most people believe that the purpose of a telescope is to make distant objects appear bigger. However, the purpose of a telescope is to gather light, and the more light a telescope can gather, the more powerful it is. There are three types of telescopes available. Here are some important tips you can use when you head out to buy yourself a telescope.

Daniel David Brauer

1) The Refractor

When people think about telescopes, they think about the refractor. Refractors accumulate light with an objective lens toward one side and focus the light at the eyepiece on the other end. Refractors almost became extinct at a certain point; however, modern glass components have caused the refractor to come back into use.

Advantages of using a refractor: Excellent for the best images, does not pose any hindrance to the light.

Disadvantages of using a refractor: Causes secondary color, instruments with a large aperture can be huge.

2) The Newtonian Reflector

The Newtonian reflector was invented by Sir Isaac Newton. It has a parabolic mirror at the end of a tube and focuses light in return to the eyepiece at the front of the tube.

Advantages: Cheap, portable and color free.

Disadvantages: Secondary obstruction causes a loss in contrast, much larger than the Schmidt-Cassegrains, frequent collimation of optics.

3) The Schmidt-Cassegrain

This telescope use mirrors and lenses to bend the optical path onto itself making it a compact tube. The Schmidt-Cassegrain telescope is also referred to as “SCT”.

Advantages: Compact, less expensive when compared to refractors, extensive after-market accessories, computer driven and extremely popular.

Disadvantages: Expensive, images can be bad at times.

Daniel David Brauer is an amateur astronomer.

Simple Pest Control Tips for the Home

Getting rid of pests in the home is something everybody has to deal with. While there are professional pest control services you can hire to eradicate pests from your property, there are several non-toxic solutions you can use to get rid of pests from your home. Here are a couple of tips you can use.

Ants

Ants can be a real problem because they can just invade the home and climb over every available space where you store or process food. By using these simple methods, you can get rid of ants from your home.

1) Use a spray bottle filled with soapy water and spray the ants with the solution, you won’t find them coming back again.

2) Cucumber peels and slices are great for keeping ants away from the kitchen. Place them at the ants’ entry point and they will not come out.

3) Place a couple of mint tea bags at the place where the ants are the most active to get rid of them. Alternatively, you can crush some mint leaves and place them where the ants are, the mint leaves act as ant deterrents.

Daniel David Brauer

Dust Mites

Dust mites are found almost everywhere in the home and pose a serious problem for those who suffer from asthma or allergies. These few tips will help you get rid of dust mites from you home.

1) Regularly vacuum the pillows and mattresses in your home. You can also get dust mite bedding to keep your bedding free from dust mites.

2) If you are washing your bedding, you must make sure it is washed at 130F or higher (55 degrees Celsius).

3) Use a filter to cover your heating ducts. The filter should be able to trap small dust particles smaller than ten microns.

Daniel David Brauer is an experienced electrician.


A favorite to many

One of the most incredible instances of time has captivated the imagination of many musicians and the people that have truly enjoyed its harmonic melody. The guitar the very noble instrument that can be traced back for over four millennia. There many claims as to where his ancestry origin is from. Some believe that it is traced back to ancient Greece. The kithara is the instrument which many believe is the forefather of the guitar. Interestingly enough, the theory he behind the kithara is a striking similarity to a word that describes the guitar as well in Spanish. The striking similarities between the word and the regions lead many to believe that this is the true ancestor of the guitar. There were excavations were kithara's had been found along the coastlines of Spain. They date back to the days Greece was the dominant Empire in the Mediterranean. The Spanish would know it as the "Guitarra" which is the modernized name of the guitar in Spanish. But the true ancestor behind these two instruments would be more of a percussion base type of harp which was a catch to a bowl with a long neck to hold the strings. About the time of Alexander, the great was when all these instruments were combined to one. They were seen often around cities like Alexandria with entertainers singing along. Daniel David Brauer has a true passion for playing the guitar for over 20 years. He loves to play the guitar for his friends and families entertainment.

The necessity for pesticide certification

Most passes have certain conditions which make them extremely hard to find and exterminate. There are many classes of past that can infest even the most sanitary homes and buildings. For example, cockroaches have an ability to enter through grocery bags, beverage cartons, and furniture. They have the never ending ability to squeeze through the loose-fitting doors and windows. But seem to prefer going through electrical lines, water, and steam pipes through walls. The worst case in aria would be through sewer lines which can bring forms of bacteria into households. Ants are another pest that can be a very unwelcome guest. Unlike the cockroach, ants tend more destructive.

Daniel David Brauer

The mandible of the ant is very destructive and can be used many ways. And rely on their powerful bite which serves many purposes. One purpose is to create boroughs and holes, this is one of the advantages the insect takes to protect itself. Being able to make passageways can be very destructive to households. It is not uncommon for an also use their mandible to break down food and also break into food storage compartments.

Whenever this is the case, it is extremely important to take matters before the get out of hand. Many common and conventional methods can be taken by going to the hardware store or any store that has household pesticides. There are also many types of traps and repellents that are available. Then there are certain situations where the problem is so extreme you would need to call a certified professional. Daniel David Brauer has passed the basic pesticide training course for the state of New Jersey.