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Elements of Design 6/27/11


Fri, Jun 24th, 2011
Posted in Ask the Expert

I really want to use some fitted & pocket diapers, but if I buy them all up front, it is more than I had budgeted for, even though I will save hundreds in the end. Any ideas on how to spread out the cost?

Fri, Jun 24th, 2011
Posted in Ask the Expert

The great thing about using cloth diapers now is the variety of options. Some parents purchase several more expensive fitted, pocket or all-in-one diapers that they prefer the most along with many prefolds. This gives them a large quantity of diapers ..... 
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Q: What Causes Back Pain?

Fri, Jun 24th, 2011
Posted in Ask the Expert

A: According to the American Chiropractic Association, the back is a complicated structure of bones, joints, ligaments and muscles. You can sprain ligaments, strain muscles, rupture disks, and irritate joints, all of which can lead to back pain. Whil ..... 
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Why should I pre-plan my funeral?     

Fri, Jun 24th, 2011
Posted in Ask the Expert

Pre-planning one's funeral can seem like a daunting task. In reality it's a simple process that we guide you through, giving you a sense of comfort knowing your wishes will be carried out. You will have the opportunity to choose the type of service y ..... 
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Q: The property I am considering to buy has an appraised value that is more than the purchase price. Can I use the difference towards my down payment?

Fri, Jun 24th, 2011
Posted in Ask the Expert



A: Unfortunately, if you are purchasing a home, we have to use the lower of the appraised value or the sales price to determine your down payment requirement.

It is a great benefit to you if you are able to purchase a home for less th ..... 
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Do I need estate planning?

Fri, Jun 24th, 2011
Posted in Ask the Expert

Yes. Estate planning is not just for the rich. Estate planning is more than just a will to designate who will get your assets when you die and avoiding estate tax. Estate planning is also managing your estate before you die if you are incapable of do ..... 
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How can I lower my Home and Auto Insurance?

Fri, Jun 24th, 2011
Posted in Ask the Expert

One of the best ways is to "package" your policies with the same company. With most companies you can get a multi-policy discount by having the home, auto, umbrella and even life all together. Raising your deductibles is another way. The standards fr ..... 
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My AC system is leaking refrigerant. Why should it be fixed?

Fri, Jun 24th, 2011
Posted in Ask the Expert

Leaks should be fixed for three reasons: 1. Because leaks allow air and moisture to enter you AC system. Moisture can react with refrigerant to form corrosive acids and sludge that can damage the compressor, plug up orifice tubes and/or pinholes in e ..... 
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Should I buy a home now or wait in case home prices drops more?

Fri, Jun 24th, 2011
Posted in Ask the Expert



 Many opportunities will come from this market for the buyers that step in and take advantage. You have to live somewhere and in this market owning can actually be the same or cheaper than renting.

Here are six good reasons to ma ..... 
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