Dowry and Wedding Gifts in Islam, Developing and Developed Countries

Wedding Gifts are common and a way of showing love all over the world. Here is a simple analysis of dowry items in Islam, developing countries and developed countries.

Dowry In Islam:

Islam is one of the most popular religion all over the world.

Islam does not allow expensive dowry items for Muslim parents. There is a list of Dowry items for Hazrat Fatimah (R.A):

1. One white dress,

2. One big piece of cloth for preparing the head gear.

3. One black towel, made in Khyber

4. One mattress, made from the fibre of a date tree

5. Two cotton mattress, one of goats fleece, and the other was filled with the fibre of date tree

6. 4 Pillows made of goat’s hide, filled with Azkhar grass

7. Two pieces of Hajari Mattresses

8. One manually operated Grinding Mill Stone

9. One cup made of Pewter

10. One musk (leather water container)

11. One big tray for washing clothes

12. One bowl for milk

13. One water pot

14. One earthen glass

15. One woollen curtain

16. Two earthen goblets

17. One hide for spreading on the floor

18. One shroud,

19. One lota (a multi-purpose vessel).

Dowry system in Pakistan

Pakistani men love to have rich brides, and do not know the real amount of Mehr according to Islam. In Pakistan, a dowry (from bride’s parents for bridegroom and his family) is comprised of these things:

Top 12 Wedding Gifts In Pakistan

Jewelry for bride Top Expensive Wedding Gifts In Pakistan

Jewelry for in-laws

Gifts for Groom

Clothes for bride & groom

Gifts for in laws

Home appliances


Kitchen Utensils

Arrangements for Wedding

Fashion products

Car / motor cycle / property

Professional wife

Men should be ashamed by looting the simple and poor parents of bride. They should follow the Sunnah in Real words. First they should pay a handsome amount of Mehar then take dowry of Mehr’s 12 %.

Dowry system in Developed countries:

A wedding is a charming event in developed countries. The couples are very happy to arrange this day at the religion places.

Dowry Items / Wedding Gifts in Developed Countries Examples

In developed countries, wedding gifts / dowry items are very economic. Such as:

Table Lamp Top 20 Wedding Gifts In Developed Countries



Dinner set

Love Mugs





Wine Glasses

Serving Dishes

Photo Frames




Small Home Appliances

Bed Sheets

Card Holders

Gift Boxes

Decoration Pieces

The Mattress Buying Decision – Memory Foam Or Latex?

The decision to buy a mattress comes once every ten to fifteen years. It is not an easy one because your decision will determine how you feel every day for the next ten to fifteen years. You will need to decide whether you want springs, foam, or air. All three support types will need to be “dressed” by layers of foam in order to provide the comfort you prefer. The choices are memory foam, latex foam, and polyurethane foam. Your choice will need to be based upon your comfort needs relative to pressure, your comfort relative to temperature, your allergies, your sense of smell, and your motion transfer sensitivity. The choices are many. The confusion is mind boggling. The cost factor of each may be the ultimate determining factor for you. I hope to dispel your fears and to ease you into a more educated buying decision… one that will grant you the good night’s rest that you deserve for at least the next ten years.

Polyurethane foam is by far the least expensive alternative of the three choices. Some hotels use these cheap mattresses on their beds. They do so to save money but I wonder if that goal is ever achieved for them. The solid-core polyurethane foam is never very comfortable and hotels that use them cannot be interested in return business. Bunk beds in the past often came with these mattresses, but today’s market demands a price for the necessary add-on. Usually these 4 inch slices of sheet foam sell for $99 to $139. Most people do not find polyurethane foam comfortable enough to sleep on for any extended period of time, but this type of foam is found in almost all mattresses. It is most often used as a support layer under the softer “comfort” foams residing near the surface of the mattress. Polyurethane foam is a petroleum based product and as such it does “off gas.” The smell or “off gassing” may last as long as a few weeks. People sensitive to smells often report severe headaches or rashes during the “break-in” period. This type of foam is the predominant type of foam used in the production of furniture cushions.

Memory foam or “visco-elastic” foam has become one of the hottest selling segments of the mattress industry. Tempur-Pedic© bought the rights from NASA to develop the foam for mattress applications. NASA had intended to use it to alleviate the gravitational forces experienced during take-offs and landings. Some say it was intended for the dashboards of the shuttle and others say it was intended for the cockpit seats. NASA never used it and speculation is that the off-gassing of this petro-chemical product in the confined quarters of space flight may have been the reason. Tempur-Pedic© marketed their first memory foam mattress in 1991 in Sweden. It instantly became the mattress of choice in Europe. Their success in Europe dictated expansion to the U.S., where it now leads the “spring-free” segment of the mattress industry. Just about everyone in the bedding business today includes memory foam products.

Memory foam’s greatest advantage is its ability to conform to the body without creating pressure. It has been used at burn centers throughout the world for that reason. People with extreme sensitivity to pressure should welcome the inclusion of memory foam in their mattress. Another great advantage to memory foam is its ability to dampen motion transfer. Before its existence separate beds were the only solution for people who couldn’t sleep due to the movements of their partners. The third benefit of memory foam its unique ability to provide straight spinal alignment. Memory foam is open celled foam. As the body lies down, the heavier parts of your body (shoulders and hips) compress or deflate the cells, allowing the foam to provide the natural straight spinal alignment necessary for muscle relaxation. When your spine is not aligned properly muscles are pulling (working) to straighten the spine. Pulling muscles are working muscles and working muscles become sore and stiff until they are rested.

The quality of memory foam is measured by its density. The density is measured in pounds per cubic foot. Memory foam ranges from 2.5 pounds to 7.0 lbs. per foot. The higher density foams take longer to recover and offer better support and performance. Look for at least a 4.5 lb. density rating, and be sure there is at least 2.5 to 3.0 inches of memory foam on top of your base foam or support layers. The thicker the memory foam layer and the denser the memory foam, the more expensive the mattress will be. Prices for the highest quality queen size sets go for well over $7000.

Three disadvantages of memory foam are heat, longer break-in periods, and off-gassing. If you are a “warm” sleeper, stay away from memory foam. The foam is very dense; it cradles your body; and it holds your body heat against you. The air channels underneath, offered by some as a solution to this concern, do very little to help alleviate this problem. The cradling of the body can sometimes bother people in that they find it difficult to roll over or to turn in the mattress. It does take more effort and that effort will sometimes wake you, but the argument is that the memory foam will drastically reduce your tossing and turning and will therefore increase your “quality of sleep.” The second negative, often not covered by the poorly trained salesperson, is the rather long break-in period for a memory foam mattress. When it is delivered, it will feel much firmer than the one you tried in the store. If it is delivered in the winter, it will be even worse. The colder the temperature, the harder the memory foam will feel. To break the mattress in quicker, it is a good idea to take off your shoes and socks, and walk on your mattress on your hands and knees. During the manufacturing process, the open cells of the foam become coated by a film. Until the film is broken and the cells are opened, the mattress will feel very firm. Motion and use will break your mattress in, but it may take as long as 3 to 4 weeks for your mattress to really get comfortable. The final negative of memory foam is its strong smell or “off-gassing” when new. The smell is a formaldehyde type of smell which may take as long as two weeks to dissipate. Opening windows and stripping the mattress during the day to air it out should speed the process.

Natural latex is an especially good choice if you are sensitive to “off-gassing.” Natural latex is a hypo-allergenic material resistant to the growth of molds, mildew, and bacteria. A 100% natural latex mattress will not “off-gas,” but very few mattresses are 100% natural. Many so-described 100% natural latex mattresses have polyurethane edge support systems or base foams and those that do will “off-gas.” A 100% natural queen size mattress set will cost around $2000 to $3000 dollars and it should last fifteen to twenty years.

Much is made of the processes used to make the latex: Talalay and Dunlop. Talalay is more expensive and it produces a more consistent product from top to bottom. It uses a flash-freeze process to keep the foam from settling. It produces softer, more contouring, and pressure-free than the Dunlop process. The Dunlop process does not flash-freeze and the resultant settling causes the foam to be a little firmer at the bottom. There is no data to prove that one process is better than the other. They are both excellent products, so select the one that is most comfortable.

Natural latex foam is sometimes feared because of allergic reactions to the animal protein in it. Most of the reported cases of latex allergies have been in the health industry and they have involved direct skin contact with gloves vulcanized outside the U.S. The manufacturing process in the U.S. involves washing to remove the reaction causing proteins. The latex layer that you would be sleeping on will be covered by a fiber material (usually wool or silk), a mattress protector (should be used on all mattresses), and a good quality high thread count sheet. The chances are pretty slim for allergic reactions, but if you know you have a severe allergy to latex, stay away from it.

Latex mattresses have a little more “spring” to them, so they are much easier to turn over in. The motion transfer is more pronounced than in the memory foam mattresses, but it is still less than in the polyurethane options. Natural latex mattresses will last longer than their memory foam counterparts and their owners will usually repeat the purchase when the time comes to replace them.

Whether you choose memory foam or latex foam, the most important things to look for when selecting your mattress are comfort in the position you spend most of your time in (the position you wake-up in) and straight spinal alignment. Take your time; shop for comfort, and shop for sleep. Your quality of life depends on your “good night’s rest.”

Copyright 2010.

What Are the Primary Goals of Information Security?

It does not take a proverbial rocket scientist to figure out basic goals of information security. In fact, the major goal is in the name itself: securing information. The twin sister field called information assurance, also has the main goal in its title.

But if you've been reading these all along, the goals of this growing field (and your roles and responsibilities in it) should be getting clear. Just as there were three large, overarching areas that organizations and companies need to consider in the security realm, so too there are three goals that each security policy should highlight: prevention, detection, and response. No policy should exist that does not address these three goals.

Prevention is the means and methods that security professionals use to block someone from entering a network. Expanded to a more global aspect, prevention is not allowing someone access to your site or building. Prevention is stopping that person before he or she penetrates a system or facility.

Detection is being able to identify activities as they occur. If someone is breaking into your building you want to know this moment that this is occurring. Knowing about it an hour or even a few minutes after the fact is not a good practice. Much damage can be done in five minutes and certainly in 30 minutes or more. Detection is the ability to identify and halt someone at the moment.

Finally, response is methods and procedures you have in place to deal with an intrusion. Responses should be appropriate to the incident. For instance, if you discover through detection software that someone is purely pinging your site to check for vulnerabilities, there's no need to send an alarm to the FBI because you detected the attempt, identified the source and IP address, verified it against all your database And determined that it was not malicious. Those corporate policies should be well established and in place. However, if that same person keeps pinging your site for hours on end trying to find a hole in your security, you will want to take broader actions.

Information security goals should be the norm of every help desk and security professional tasked to guard your company's or the government's public sector network. When these are set in motion, securing the information will be a breeze. If, however, management gets lax in implementing the policies or the system administrator neglects her duties, it can have a devastating effect on the company's entire security posture.

Cleaning Your Kids Bedding

For most cotton blankets, you can just throw them in the washing machine and all will be fine, but for some, this may not be the case. Some may be too large for a washing machine, and would be better off at the dry cleaners. Each piece of kids bedding will say on its tag exactly what the proper cleaning method for each individual item is. It is very important to follow the instructions on the tag for that item, because washing them incorrectly could result in damaging them, or possibly causing earlier and harsher wear and tear than would normally be there.

Different items may be washed at home in a machine, but may require certain temperatures during washing and drying. It is just as important to pay attention to, and follow, the requirements for temperatures and cycles, as it is to pay attention to whether or not it needs to be dry-cleaned.

Silk, and other types of materials, usually require dry cleaning in order to keep them in good condition. Many times, these types of materials will need to be hand washed.

Cotton is, for the most part, a very versatile material, that can be washed in a machine.

If the tag comes off of a kids bedding item that you need to wash, it is best to follow the guidelines set on the machine that say for a certain material, they should be washed on a certain cycle with a certain temperature of water.

These are in place for a reason, and should definitely be followed.

It is also important to pay attention to what types of detergent it uses. If the item says "do not use bleach," you will never ever want to use it. There are two reasons for this. One, it could damage the color of the item, which can be overcome by using non-chlorine bleach, or what some brands call color-safe bleach.

But the second reason is the same with this type of bleach as it is with chlorine bleach: bleach is a very harsh chemical that can harm the fabric and cause a much faster wear and tear on the item, leading to having to repair or throw it Away before necessary.

Any type of kids bedding that is made of silk or nylon, which is inadvertently in the case of bedding for children, should not be exposed to very much sunlight.

Anything with acetate should never be discharged in the dryer or line-dried because heat is the enemy of acetate. Acetate should also be dry-cleaned, but if you don? T want to do this, they can be hand-washed or washed in a machine on gentle cycle using an appropriate detergent intended for materials such as these. Polyester is very similar, but slightly more durable, so while it is best to hand-washed, it can be safely machine-washed, and it is safe to line dry.

Nylon is very durable, and is basically machine washable, even on a regular cycle. Over time, though, washing nylon in a washer can lead to pilling, so you may want to hand wash them in the bathtub to avoid this. Nylon can not be line- dried because of the sun, but it can be discharged in the dryer on a low setting. It is also never a good idea to use bleach on nylon. Silk should be treated like acetate. Be careful, too, of wringing after washing, because silk is very thin and can be easily damaged. Also, this only applies for silk sheets and pillow cases. If it is a silk comforter, you should have it dry cleaned only, as it is practically impossible to hand wash them. Sateen, which is 100 percent cotton, on the other hand, can be washed and discharged in a machine with no problems.

As for down pillows and comforters, you must take them to a dry cleaner who is experienced in cleaning down filled items. In order to prevent it from having to be cleaned very often, you can cover it with a duvet cover. This will also help it stay in good condition for longer.

As you can see, there are many different rules for cleaning different types of sheets and blankets, whether it is kids bedding, or an adults. The best rule of thumb, as stated earlier, is to strictly adhere to the directions on the tag, and you should not have any problems.

Wedding Checklist

Getting your boyfriend to propose might be the hardest part to getting married for most women. However, it’s not soon afterwards, when they are trying to turn their dreams into reality, that they realise the hardest part is still to come. With so much to do and so little time, it’s best to get a checklist and start planning your wedding as soon as you’ve got the engagement ring.

The first thing is to set a date for your wedding. Once you have a date, you have a goal. Then comprise a list of guests. This will give you an indication of what type of venues, and ceremony, you can organise. The next step is to set a financial range and budget, as well as work out who is going to pay for what.

Family and finances can sometimes get a bit tricky, so it’s best to find out if it’s just you and your fiancé paying, or if parents are going to contribute. If they are, then find out what and how much they are willing to do so. You don’t want finances to became a big downer on the occasion, and it’s best that you sort this part out as soon as possible.

Most women have dreamt about their wedding from a young age and chances are you probably know exactly what you want. However, you might have to compromise a few things for the budget, or because your fiancé has a few suggestions of his own. Write and formalise the type of wedding theme you want, so that everyone is on the same page.

Do research in venues and try to go to a wedding convention to get some ideas of what is out there. Now that you know your budget, number of people you are going to host and what you want, you can ask the venue’s owner the right questions as to whether he or she can accommodate you or not.

Although you might want to organise the whole wedding yourself, think about getting an event co-ordinator in, even if it just for the actual day. The last thing you want is to be concerned about little things on your wedding day.

Consider whether you want children or not at the wedding, as this will have an influence on your guest list. This might also influence the time of wedding, as children might get tired and restless if the wedding goes on till late in the evening.

The first part of planning is mostly to do with doing research into everything from quotations on flower decorations to finding a photographer. Six to nine months before the wedding, you can finally start booking and arranging everything.

By now, you should know what type of dress you want and start with fitting sessions if you are getting it made. You can start discussing menus with your caterer and choose flowers with your florist.

At four months, you can start sending invitations out and start your wedding gift register. It is recommended that you have the pair of shoes you want to wear at the wedding and start breaking them in. A lot of brides who wear new shoes on the day start having feet problems half way through the reception.

If you have any guests from out of town, then start finding out if they need help finding accommodation. Now is also the time to organise a rehearsal dinner for your wedding.

At two months, you should have gotten your RSVPs back and have a finalised guest list. From this point on, you should just be finalising your plans. Make the last arrangements for the cake, including the topper. Check the flower order and make sure you have all your papers for the marriage license.

At about a month beforehand, you can sort out your hairstyle for the wedding and start making appointments for your make-up, hair, nails and any other beauty touch-ups. Shop for the last couple of items, such as a guest book, and ring pillow.

In the last week, sort out the details with your co-ordinator for the day and pick up tickets and travellers checks for your honeymoon. Your wedding dress and attire should be finished now. Make sure that everything fits on everybody, from flower girls to the groom.

If you have planned and organised everything, then on your wedding you should only have to do one thing: be a beautiful bride and enjoy the day.

Sweet Sixteen Party Traditions

A Closer Look at Sweet Sixteen Party Traditions

A sweet sixteen party is the perfect time for traditions. Maybe you have some that have been passed down through your family, or maybe you are looking for new traditions to start. For a bit of history, the term sweet sixteen has been in use at least since 1597. The sweet sixteen birthday parties have been held since 1765. That is a long time for many traditions to develop.

The following is a list of traditions that can be incorporated into any sweet sixteen party ideas that you may be planning:

The Father-Daughter Dance

This tradition is also frequently performed at most weddings. Have the birthday girl choose a song that is special to her and her dad ñ maybe there is a favorite childhood memory attached and mom could tell that story and introduce them onto the dance floor.

Shoe Ceremony

This is like a Cinderella moment for the birthday girl. Sit the honoree in a chair while her grandfather, uncle, godfather, or father approaches her with high heels on a decorative pillow. Traditionally, she should be wearing flat shoes, and her father ceremoniously helps her into her new high heels. This is a symbolic transitioning from childhood into womanhood.

Tiara Ceremony

This one is similar to the Shoe Ceremony, except the father/grandfather brings a tiara instead of shoes. The tiara is placed upon her head to symbolize her becoming a woman. This tradition could be combined with the Shoe Ceremony with mom bringing high heels on a pillow and dad bringing the tiara on another pillow.

Candle-Lighting Ceremony

Choose 16 tapers to set out on a table in pretty votive cups. The birthday girl could light her first candle from one large candle that symbolizes her parents or family. The first candle is for the girl’s parents. The second candle is for brothers and sisters. If she is an only child, then this candle can represent her grandparents. Candles 3, 4, 5 and 6 are for the remaining family friends. At any time the honoree can tell a story about the individual she is lighting a candle for, or say why they are special to her. Candles 7-14 are for special friends. Candle 15 is for her best friend. The 16th candle is reserved for a significant male, such as a boyfriend or very good friend. A 17th candle could be added to represent good luck.

These are just a few suggestions to get you started on great sweet sixteen party ideas. Enjoy!

Have Fun Between the Sheets! A Review of Sheet Music by Dr Kevin Leman

I’m not ashamed to say that sex is one of my favorite subjects. There is little I don’t like about sex between a married husband and wife, Whenever someone asks me, “Dr. Leman, whats the best position for sex?” I always respond, “Any position is good if it gets the job done!” – Dr. Kevin Leman

In ‘Sheet Music’, Kevin Leman gives a crash course on sex between married couples. Beginning with husband and wife before their marriage, he walks through the first night together, all the way to the golden years!

Leman covers everything you might think of – sexual positions, oral sex, ways to spice up love making, orgasms – if you have thought about it, its in here. But it is brought up in a tasteful way that doesn’t get out of hand.

What Can You Apply Right Away?

While Kevin Leman only mentions 5 positions for sex (you can probably think of them all if you try), his chapter on “Thirty-One Flavors – And None of Them Are Ice Cream” is a great idea generator on how to bring fun and play – and romance into your marriage bed.

If You Could Only Read One Chapter, Which would I suggest?

‘Too Pooped To Whoop’. Not only does it have an awesome title, the chapter deals with what happens when other things zap your sex life. Leman talks to the husband about loving his wife outside the bedroom when she isn’t in the mood, and also adds tips for the wife when her husband isn’t in the mood. (I guess this happens…somewhere!?)

The Big Wrap Up. I was really excited when my wife picked this book up at the bookstore. I was sure to have great sex from that day forward! Of course, I am the reader in our family, and she put the book down after a couple chapters. I realize that I probably needed it more than she did!!!

Sheet Music: Uncovering the Secrets of Sexual Intimacy in Marriage is a great read – for married couples, and for soon-to-be married couples – on how to enjoy sex together from night one…to night ten thousand and one, and beyond!

AFC West 2015 Off-Season Changes

Denver Broncos:

The Broncos caught a piece of bad luck, ala Jacksonville, already by losing 3rd round pick TE Jeff Hauerman for the year with a torn ACL. He was inked in as a replace for TE Julius Thomas. The Broncos are deep at WR but Peyton Manning loves throwing to his tight ends. They did sign TE Owen Daniels after he spent a year in Baltimore, which surprised no one since it must be a separate contract that has him permanently tethered to coach Gary Kubiak. He has been a bit injury-prone as he ages but he is the best that Peyton will have for now.

The Broncos did pull a shocker with their 1st round pick by selecting marijuana fan DE Shane Ray from Missouri. If his lack of intelligence during the days leading up to the draft was temporary insanity, this was a huge steal and will bolster the Broncos solid pass rush this year. The Broncos focused much more on the run last year than they did in any year with Peyton and it proved successful. So, to help that aspect and to help keep Peyton off his aged back, they added OT Ty Sambrailo from Colorado St and C Max Garcia from Florida.

Fantasy starters: QB Peyton Manning, RB C.J. Anderson, WR Demarius Thomas, WR Emmanual Sanders

Fantasy bench: RB Montee Ball, TE Owen Daniels, Denver D

Fantasy Sleeper: WR Cody Latimer

San Diego Chargers:

I liked the Chargers choice of RB Ryan Mathews in 2010 but I didn’t expect him to have the issues he has had staying healthy. As a Big Ten guy, I really like their choice this year of RB Melvin Gordon from Wisconsin. They may not have needed to trade up to get him, but there was no reason to take any chances when you know that he will be The Man in their backfield. He doesn’t catch a lot of passes so Danny Woodhead will see his normal workload. I don’t understand the Chargers management’s interest in moving to LA, but these guys don’t become billionaires by caring about more than how they can squeeze the most dollars from the lil’ guy.

While the talk of moving prompted QB Philip Rivers to voice his displeasure, ownership made the right decision to not trade him. I expect a lot of improvement on that side of the ball this year with Gordon toting the rock. On defense, they still have some work to do, but adding LB Denzel Perryman from Miami was a solid step in the right direction. Additions of CB Craig Mager and LB Kyle Emanuel with the next 2 picks were decent and showed that San Diego is not so into itself that it couldn’t find San Marcos, TX and Fargo ND on a map.

Fantasy starters: QB Philip Rivers, RB Melvin Gordon, WR Keenan Allen, TE Antonio Gates

Fantasy bench: WR Malcolm Floyd

Fantasy Sleeper: TE Ladarius Green

Kansas City Chiefs:

The Chiefs had the most laughable group of WRs outside of Cleveland in the league last year. Yes, they had zero TD receptions but they still had more talent than Cleveland did. However, it was time to start anew there. They started by adding WR Jeremy Maclin in free agency. That is an infinite improvement over their flaccid group from last year but they also added WR Chris Conley from Georgia in the 3rd round. I like his chances to make a major contribution in 2015 due to his size. At 6’2″ 213, he is the anti-Maclin. With those pieces in place and a solid running game, they turned to defense and nicely plugged holes. Getting CB Marcus Peters from Washington was a top-notch selection. He is aggressive, but if that can be reined in and aligned with the NFL’s garbage rules to allow WRs have free roam, he has great upside. That aggressiveness may have played a big part in his early dismissal from Washington but I think he grows up and into his role this season.

Fantasy starters: RB Jamaal Charles, WR Jeremy Maclin

Fantasy bench: QB Alex Smith, RB Knile Davis, TE Travis Kelce

Fantasy Sleeper: WR Chris Conley

Oakland Raiders:

After looking like they may end up winless last season, the Raiders put together a nice ending stretch that gave them a bit of spark heading into 2015. Landing stud WR Amari Cooper with their first pick only fanned that spark into a nice fire. QB Derek Carr seemed to “get it” late last season and having Cooper to throw to will accelerate his progression into a true NFL QB. After years of laughable 1st round picks on wide receivers, the Raiders struck gold with this one. After that, the Raiders used their remaining nine picks on positions across the board. There are no real standouts in the group, but they sure did favor the three major Florida universities as five of those nine picks came from those schools.

If RB Latavius Murray proves that he can carry the load for a full season, the offense will be greatly improved. In addition to Cooper, the Raiders picked up WR Michael Crabtree. On defense, the Raiders spent some money on LBs Malcolm Smith and Curtis Lofton as well as DT Dan Williams. The Raiders are definitely a team on the rise and will not be the laughingstock that they have been for a number of years.

Fantasy starters: RB Latavius Murray, WR Amari Cooper

Fantasy bench: QB Derek Carr

Fantasy Sleeper: WR Chris Conley

Clean and Brighten Your House Floors

If you think about it, people everywhere are almost always doing something about their homes. You yourself buy new curtains or maybe add more cushions or throw pillows. You also polish the vases or even bring in new plants. Maybe you also have rearranged the seating and hang new picturesque paintings. Not only that you might also have repainted the walls or even varnished tables. Your head is swimming with ideas and you plan on spending the weekend on a total remodeling project. You are envisioning a total new look for your house: neat, sleek and very modern.

Time constraints though may dampen your plans not to mention the huge cost of remodeling a house. What you do not realize is that a house can undergo a very drastic change just by hiring carpet cleaning services boca. If you want to brighten your precious house, you might as well have a major cleaning project instead of shelling out money just for the concept of having a total new look? Think very long and hard of the advantages and disadvantages of undergoing a major remodeling.

This exercise may convince you of a common mistake homeowners make and this is not realizing that cleanliness can totally change the look and brighten up a room. We get so preoccupied with the latest house accessories, fabrics and their colors, that we lose sleep over the size and quality of furniture and fixtures but we overlook the fact that dust and dirt over time can dull the ambience of your house. We forget that we have to conduct a major cleaning project such as tile and grout cleaning services in order to notice that the house looks to have a new look with just bright and neat floors.

Creating a mood that is fit for your sense of style does not have to be expensive and stressful. You do not have to purchase the latest accessories or worse have your house under a total makeover. If you have floors such as marble, all you need to do is simply brighten them by hiring people who have been doing house clean-up services thus giving your floors a new and cleaner look. You do not have to bother drooling over expensive furniture and fixtures because you feel that your house is outdated. All you need to do is clean your house free from all the old dust and stains and hire professionals such as commercial marble restoration [] in boca.

How the US Federal Reserve Lost Control of Mortgage Rates

Despite the United States Federal Reserve Board's diligent attempts to stimulate the economy throughout the year of 2008 by repeatedly reducing the Federal Funds rate, the typically correlating thirty-year average mortgage rate stubbornly remained unchanged through the first quarter of 2009 as if mortgage rates had intentally Ignored Board Chairman Ben Bernanke's seemingly regular rate cut announcements. The unanticipated loss of the Federal Reserve Board's control over mortgage rates hamped its ability to stimulate home sales and stabilizeize decreasing housing values ​​that became the impetus of the nation's troubled economic condition. To fully comprehend how mortgage rates managed to slip out of Mr. Bernanke's leash, it is necessary to first grasp the characteristics and interrelationships of the rates and securities vehicles involved.

The overnight lending rate that the Federal Treasury charges banks for funds is the interest rate that the Federal Reserve Board continuously lowered until it is ultimately rested at a rate of .25% by the first quarter of the year 2009. Once upon a time when this rate Was lowered one could reliably wager that the thirty-year average mortgage rate would follow suit. It was logical that if a bank borrowed from the government at a lower rate, it could provide mortgage financing to borrowers at discounted rates. However, the mortgage rate is not quite so directly manipulated by the puppet strings of the Federal Reserve Board. Instead, the thirty-year mortgage rate is predominately influenced by fluctuations in the ten-year Treasury bond rate. Because most thirty-year mortgages are paid off by borrowers during the first ten years of their loans, conservative securities investors choose between purchasing the relatively safe ten-year Treasury bond and the once slightly more risky mortgage-backed securities that consist of many thirty- Year mortgages pooled together. It is this very competition between the price of Treasury bonds and mortgages on the securities markets that most impacts the thirty-year mortgage rate.

Although Treasury bonds typically provide a relatively low rate of return, they represent a very low-risk investment because they are backed by the United States Treasury. Mortgage-backed securities have generally produced a certain higher yield than treasury bonds, yet were considered to be narrowly riskier investments since they are secured by real estate. Consequently, the "spread" between Treasury bond and mortgage-backed security yields has historically been around 75%, with mortgage-backed securities representing the higher end of the spread due to the additional risk attributed to them.

When real estate values ​​significantly declined from 2006 to 2008, the risk associated with purchasing and holding mortgage-backed securities became significantly enhanced. To counter this perception of increased risk, sellers of mortgage-backed securities were forced to offer mortgage-backed securities at higher yields so that they would continue to be attractive to investors. By the first quarter of 2009, the spread between Treasury bonds and thirty-year mortgages reached an unprecedented 3.00%. As a result, banks were forced to offer mortgages to borrowers at higher rates to compensate for the higher yields they had to provide to investors on the secondary loan and securities markets.

So please all of the Federal Reserve Board's efforts in reducing overnight lending rates to banks in 2008, thirty-year mortgage rates remained relatively unchanged by early 2009. The Federal Reserve had lost all ability to influence mortgage rates. In turn, this forced the federal government's hand to look to other means of simulating the housing and financial industries, such as purchasing hundreds of billions of dollars worth of mortgage-backed securities from financial institutions itself. This extreme government action has often been labeled a "bank bailout" since the government reluctantly purchased "toxic assets" that investors were otherwise unwilling to purchase on the open securities market.

Whatever the government's investment in these securities amounts to a success or a failure still remains to be seen. If housing values ​​once again appreciate before too many more borrowers default on their mortgages, the government may be able to sell these mortgage-backed securities for handsome returns to investors in the future. However, if increased foreclosures continue to flood the housing market with excessive supply, the federal government may eventually learn how great a price it actually paid for its investment. If these potential losses losses, coupled with further anticipated economic stimulus spending, are ever adjusted to an inability or unwillingness on the part of the federal government to meet its obligations, even Treasury bonds may begin to look like a risky proposition.