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Steps to apply for a HARP refinance program

If your home has a little equity, or if you owe more mortgage than your what home is worth, then it can be difficult for you to find a lender to refinance. HARP can be a one-stop solution for borrowers who have never made late payments against their mortgages and have loans owned by Freddie Mac and Fannie.

HARP Loans

Refinance your home loan through HARP

Home Affordable Refinance Program (HARP) is a mortgage-refinancing program offered to homeowners by the Federal Housing Agency. It is specifically offered to homeowners who have homes that are worth less than the outstanding balance on the home loan. It was created in 2009 to deal with the housing downturn. This refinancing program is beneficial for those homeowners who are struggling to pay a mortgage due to their unexpected financial hardships.

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Are Fleas Pestering Your Cat Here’s How You Can Get Rid Of It

Are fleas pestering your cat? Here’s how you can get rid of it Having a furry pet is therapeutic, and you will never be short of stories to narrate to your friends and work buddies. There are dog persons, and then there are cat persons. The debate between which of these are the perfect companion has been going on for decades, and both the parties bring a strong argument to the table. People usually prefer feline counterparts as they are known to be independent, and are perfectly at peace even when you go to work, and they have the house to themselves. However, like children, cats too are vulnerable to various disease. Also, their furry coat is mistaken for by fleas and ticks as their new abode, and they reside in them, causing great discomfort to the animal and the human as well. If you are a proud new owner of a furry kitten, you need to keep yourself updated with the various diseases that affect cats, and why it is imperative to steer clear of fleas. So, keep reading. What are the common diseases that affect cats? Like humans, cats too are vulnerable to a variety of diseases, such as- Rabies Heartworm Vomiting Tick infestation Flea infestation Kidney failure Hookworm infection Gingivitis Ringworm Toxoplasmosis Of these, a flea infestation is the most common problems that affect the cats and their owners as well. If left unattended for a long time, the fleas multiply at a faster rate, and the fleas will start harming the human as well. What are the consequences of a flea infestation? Fleas are like every other parasite thrive in warm and moist places. So, it shouldn’t come as a surprise that your cat’s fur might become its home. Fleas cause great discomfort to cats, and they try to get rid of the fleas by scratching incessantly. When they keep scratching the affected area persistently, there are high chances that it might result in the opening of wounds on the skin. With wounds comes the maggot-problem, and if you have a furry cat, there are chances that you might be unable to sense the danger since it is camouflaged by the fur. Also, fleas stick to the cat’s body and suck blood. As the infestation increases, the number of fleas feeding off the cat increases and the cat might suffer from anemia if it persists. Which are the effective cat flea treatment methods? What one needs to understand is that the fleas that affect different animals and humans vary. The cat fleas are different from dog fleas, and the damage they inflict varies. However, there are various cat flea treatments which ensure that your cat is free of fleas. They are as follows- The flea comb is one of the easiest cat flea treatment method. The flea comb is specially designed to get rid of fleas that cling to the cat’s fur. Use the flea comb almost everyday if you spot your cat scratching more than usual. Apple cider vinegar is known to work wonders for humans, and it is safe to use it on your cat as well. Dilute the apple cider vinegar and spray it on your cat’s fur. The smell of this concoction is enough to drive the fleas away from your cat’s body, which makes this one of the most-effective cat flea treatment method. Fleas aren’t just present on your cat’s body; they can thrive anywhere in the surrounding- your carpet or even your curtains. So, vacuum the entire place religiously. It is one of the prevention methods since it kills the larvae laid by the fleas. Nothing beats a good shower. So, rinse that ball of fur with the best shampoo you can lay your hands on, and rinse and repeat till the fleas decide to flee. So, the next time your cat starts scratching itself persistently, give your cat a nice warm bath. cat flea treatment

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Girl Scout Cookies – History and Available Flavors

Cookies can change anyone’s mood and make a person happy. While you can easily find cookies in stores, you can also purchase them from the Girl Scouts website. In 1912, Juliette Gordon Low started the Girl Scout initiative to empower young girls and help them develop different skills. Over 1.5 million girls are a part of the program, making it the most extensive girl-led entrepreneurial venture. They sell approximately 200 million cookies every year. The history behind Girl Scout Cookies Every successful organization has a powerful story that makes it more special. Here are a few highlights of the Girl Scout Cookies’ history: 1910 to 1940 It started in the 1910s when women and little girls began baking and selling delicious cookies. In 1917, Mistletoe Troop was the first to bake and sell them as a service project in their high school cafeteria. By 2020, the idea had spread to the entire nation, and Girl Scouts everywhere baked cookies with the help of their mothers. At that time, the price was around 25 to 35 cents per dozen. Around 1936, the national Girl Scout organization licensed the first commercial bakers to produce the cookies that would be sold nationwide by the program. 1940 to 1980 In 1944, due to a shortage of staple food ingredients during World War II, Girl Scout Cookie Council found an innovative way to raise funds for social activities by selling Girl Scout calendars. Soon after the war, sales picked up. In 1951, three varieties of Girl Scout Cookies were available: Sandwich, Shortbread, and Chocolate Mints. And the number of licensed bakers increased to 14 to meet market demand. The cookies were now packed in aluminum foil or cellophane boxes, so they looked like they came straight from the oven. In 1979, Saul Bass designed the first Girl Scout logo that featured on the boxes. 1980 to 2010 In 1982, seven varieties of cookies were produced at licensed bakers, out of which three (Thin Mint, Peanut Butter Sandwich, and Shortbread) were mandatory, and four were optional. Eight years later, in the early 1990s, GSUSA introduced awards for Girl Scout Brownies, Juniors, Cadettes, and Seniors to appreciate the girls’ effort. In the early 2000s, new packaging designs were introduced. Moreover, the youngest in the Girl Scouts, the Daisies, also participated in selling the cookies. 2010 to 2022 In 2010, they came up with the first gluten-free cookie, and in 2014, the business went online with the launch of a digital cookie platform. In 2016, a proud moment in the program’s history, the little and bright scouts sold cookies to Hollywood stars at the Academy Awards! In 2021, they received halal and kosher certifications. And in 2022, Girl Scouts introduced a new variety of cookies on the menu: Adventurefuls. Flavors of cookies available Today, there are several delicious varieties of Girl Scout Cookies on the market. Let us take a closer look at them: Toffee-tastic If you like simple gluten-free cookies, order this variety from the website. These have a buttery flavor with sweet, crunchy toffee bits. Thin mints This is one of the oldest and best-selling varieties. The cookie is crispy and dipped in a mint chocolate coating. It is a good pick if you love a minty flavor. Peanut butter patties This chocolate-covered crispy cookie with peanut butter inside is enough to improve your day. Those looking for vegan options might want to consider it. Lemon ups This is a crunchy lemon-flavored cookie that can cheer you up. However, it contains wheat, soy, and milk, so those with allergies should be careful. Lemonades If you love shortbread cookies, Lemonades are the one for you! The cookie is made of savory shortbread slices and has a tangy icing of lemon. Girl Scout S’mores It is a double-layer sandwich cookie where chocolate and marshmallows fill the space. The biscuits are made using graham and wheat flour, besides other ingredients. Do-si-dos This is a sweet sandwich cookie with peanut butter stuffed between two oatmeal layers, a tasty combination of cookie and sandwich! Caramel deLites This one is for the people who love caramel. Caramel deLites crispy cookies come topped with a hint of toasted coconut, strips of chocolate, and caramel. Caramel Chocolate Chip Many people, especially children, love chocolate chip cookies. This variety of Girl Scout Cookies is gluten-free and filled with rich caramel and chocolate chips. Adventurefuls This is the newest flavor launched in 2022. If you are a fan of brownies and caramel, this cookie is for you! It is a caramel-flavored crème brownie cookie with a taste of sea salt. If you do not feel like going outside, order these Girl Scout cookies from their website and brighten your day. Many Girl Scout Cookie coupons and promo codes are available online, so check them out as well.

Finance

Cost of Medicare supplemental insurance plans for seniors

The cost of Medicare supplemental insurance plans for senior citizens depends on what each is looking for whether supplemental health insurance plans for seniors or Medicare supplement plans. Although they are very similar in terminology, they are both very different. Supplemental health plans designed specifically for the needs of seniors are known as senior supplements.

Finance

Common difference between term life insurance and universal life insurance policy

There are various types of insurance schemes for the common man. They each have their advantages and disadvantages. What works for you can be chosen only after a detailed study and thorough understanding of all the finer details of each policy. Let us compare term life insurance and universal life insurance policies.

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Steps to apply for a HARP refinance program

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Refinance your home loan through HARP

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Cost of Medicare supplemental insurance plans for seniors

Common difference between term life insurance and universal life insurance policy