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Archive for April, 2010

Owning a swimming pool is a lot of fun, and a lot of work – especially if you don’t follow the proper pool maintenance guidelines. While swimming and lounging in a clean, crystal clear pool is fun, maintaining the pool is anything but joyous.
Arm yourself with the appropriate pool cleaning equipment and necessary chemicals, however, and your pool maintenance will be easier than you ever imagined.
You can find the volume of the pool inside the owner’s manual that was packaged with the pool. Balanced water is clear and clean water, and making sure that the pool water is balanced is accomplished using a test kit. The various chemicals that you will need to add to your pool water under your pool maintenance schedule include:
- Shock treatment – boosts the effectiveness of chlorine and should be part of a weekly pool maintenance schedule.
- Chlorine – used to sanitize the pool water and make it safe for swimming. Chlorine is sold in granule, liquid and tablet form.

- PH increaser/pH decreaser – used to raise or lower the pH level of the pool water as needed.
You may also need other chemicals to eradicate algae and cause a decline in algae growth, and water clarifier for cloudy water.
For proper pool maintenance, you will need to test your water quality with a test kit daily and add chemicals as needed to get the water to an optimal level. Once weekly, brush the sides of the pool with a stiff brush, vacuum the pool, backwash the filter, and top off the pool water if needed.

When you buy a car you need auto insurance and just like that when you buy a mortgage you need mortgage insurance.
There are two types of mortgage insurance available one that protects the lender and one that protects you. If you have less than a twenty percent down payment the insurance provider will reimburse the lender should you default on the mortgage. You enjoy the benefit of this facility at the cost of a mortgage insurance premium that you either pay in one lump sum when you enter the mortgage or it is blended into the monthly installments on your mortgage.
The second type of mortgage insurance is to cover you should you be unable to pay your mortgage due to death or health issues. If you should die and have the insurance your balance outstanding is paid in full.This is one of the more popular types of insurance and your mortgage broker can advise you on the proper channels to acquire it.
The most common type of mortgage insurance is offered through brokers. There is no mortgage insurance that covers all diseases so you will need to investigate to find out what protection you are really buying.