My Ideal Dream Home

I’m saving up to buy a new house, and designing my dream home has become a new hobby for me. My wife and I are hoping to move out of our apartment soon, and in the meantime, I’ve taken the liberty to indulge in my wildest home design fantasies. There are plenty of homes around the United States that come with many more features than I could ever imagine. I won’t be able to afford those homes anytime soon, but that doesn’t mean I can’t use my imagination to create the ideal dwelling.

For starters, I want a beautiful lawn with lots of trees, exotic plants, and a healthy, natural vibe. I found a useful website about landscaping that discusses some of the things you need to contemplate. I didn’t even think to consider how landscaping the yard might influence my decision on what type of grass I might plant. My house wouldn’t get a lot of sunshine because of the large trees in the yard, so I’ll need to landscape using a grass that can withstand a lot of shade.

The front of my dream house will have two enormous statues of lions and a horseshoe driveway. I want lots of windows facing the north and south, so I can leave the blinds open all the time without too much sun. My bedroom windows should face the east. I love waking up naturally to sunshine, and it helps me get the day started on a good note. The apartment I’m currently staying in only has one window in the bedroom, and I feel like I’m living in a cave! A word to the wise: never live in an apartment that only has windows facing the north or south.

Another essential feature in my dream house is the kitchen. My wife and I love to cook, and we are always showing off by making amazing meals. I want to have a gas stove that has at least six burners, a high-quality ventilation hood, and two ovens. I’ve found the secret to baking is not overloading the oven with too much food. If there are too many dishes in the oven, the moisture levels will be off, and the food doesn’t turn out as good.

I’d like to have a deep sink with a partition down the middle, made of stainless steel of course. My current sink is white porcelain, and I have to clean it regularly to remove tiny scratches on the surface. It’s a minor issue, but it still bothers me. I plan on having stainless steel for all of my kitchen appliances.

The last thing my dream home needs is a dedicated space that I can call my own. I enjoy reading and playing guitar, and it would be nice to have a creative space where I can escape inside my own home. It might take me a long time to be in a financial position to afford all of these things, but that’s why I’m saving early. One day, I hope to have a house like this that my wife and I can call our own.


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The future of oil is extremely uncertain right now. I don’t mean in general. Oil will continue to power the world for decades, but how much will it cost to do so?

There’s a great deal of uncertainty on that point. Simply look at a few recent headlines:

Reuters reported a rise to $58 a barrel after the Keystone Pipeline spill.

Meanwhile, Saudi Arabia may permanently cut back on oil thanks to its new de facto ruler, leaving prices high.

However, prices may also drop if Russia refuses to continue with OPEC’s temporary production cut from earlier in the year. Russia is the world’s top producer and exporter of oil.

What does all this mean? It means uncertainty, which is bad for business.

Oil is always a bit uncertain. With so many international players involved, it can be hard to project long term. With a vast global network of countries who produce oil, conflicts are bound to arise between competing interests.

For instance, Venezuela may want production cuts in order to turn a modest profit in a time when it really needs it, but Moscow is content with the amount coming in from greater production (especially since it has such a large network of clients in nearby Europe). Saudi Arabia, meanwhile, is looking to make a slow but steady transition away from oil, and America remains eager to avoid importing any oil from abroad and thus refuses to heed the calls of other countries one way or the other.

All of that makes oil fluctuate quite significantly even in the best of times, and the future may not be the best of times. Anyone who ever watches the news knows the world is growing more unstable and countries are growing more belligerent towards each other. As Saudi Arabia rattles a saber at Qatar and Iran, oil is the obvious business stuck in the middle. Russia’s disagreements with the West and desire to build stronger ties with China means its interests are no longer quite so broad and international, and so it is less likely to be able to be compelled to agree with other nations’ needs.

And when oil becomes that unstable, due to such belligerence, businesses will struggle to keep up. Consider the transportation industry, which relies heavily on oil prices remaining low. Should they fluctuate vastly and quickly, it’ll be hard for business to budget for fuel costs. As TBS Factoring points out, fuel is the number one cost for independent trucking agencies. Being unable to budget for the number one cost of business is sure to cause massive problems going forward.

Unfortunately, as OPEC loses standing and countries continually pursue their singular national interests, there’s little anyone can do to avoid this problem in the coming years.


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There is a new study that finds that younger Americans aren’t just getting colon-cancer diagnoses earlier. They are dying of colorectal cancer at a slightly higher rate than in the past decades. No one knows why or can guess what lifestyle or what environmental/genetic factors may be the case. Should I be concerned? What do we know about colorectal cancer and what measures can we do to prevent it?

According to The Seattle Times, a new study has found that colorectal cancer has been affecting many younger Americans, but no one knows why. Rebecca Siegel, an epidemiologist with the American Cancer Society and lead author of this study, comments, “This is real.” She published this research letter in The Journal of the American Medical Associated (JAMA). “It is a small increase, and it is a trend that emerged only in the past decade. I don’t think it’s a blip. The burden of disease is shifting toward younger people.” The study finds that even though the risk of dying from colon and rectal cancer has been declining overall, the death rates among adults from age 20 to 54 slightly increased. It went up to 4.3 deaths per 100,000 people in 2014 from 3.9 per 100,000 in 2004. Dr. Thomas Weber, a member of the steering committee of the National Colorectal Cancer Roundtable, comments, “This is not merely a phenomenon of picking up more small cancers. There is something else going on that is truly important.” No doctor or researcher knows what lifestyle or environmental factors are driving the rise in these cases. Cancers in the past recent years have been tied to HPV. Obesity is another viewpoint. A diet that is high in processed meats and lack of physical activity are both tied to increased risk, but research is looking at other causes. One study found that prolonged use of antibiotics during adulthood was associated with a greater risk of developing precancerous polyps. This is because antibiotics can alter the makeup of the gut microbiome. Scientists are trying to see if colorectal cancer emerging in younger adults are different than older people. Can these be detected and treated with the same tools? There is evidence that young people are more likely to have precancerous polyps that are harder to see and remove because of their location in the colon. These findings are important to the research and discovery of a treatment for finding reliable ways to detect colorectal cancer in young people. Most groups recommend routine screening at age 50, if not earlier.  The warning signs of colorectal cancer include rectal bleeding, bloody stools, unexplained weight loss, fatigue and digestive complaints, or irregular bathroom behavior. Anemia is also another sign in men.

It is important to eat a good diet with low amounts of red meat and to get exercise five times a week. Gastroenterologists in the Long Island area also recommend frequent check-ups with a doctor or specialist. This research and study allows doctors to recognize this trend and try to fight this risk.


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According to the website of Kessler & Solomiany, LLC, divorce is never easy and can take an emotional toll on the spouses, especially if they are also parents with children. Yet, there are tangible things that you can do to assist you in getting through this rather difficult time in your life. You may be questioning yourself on a recent interaction with your spouse – wondering if you could have tried harder to make the relationship work or whether you broke the news to the kids in the best way possible. It is always recommended to give yourself a break. It is alright to have different emotions than you normally have. If you are confused, frustrated, exhausted, and sad, accept that these emotions will get better over time. If you are anxious about the future, acknowledge that as well.

Emotions not dealt with can take a toll on anyone going through a divorce. It is better to accept that you are not going to function at optimal level for some time. Recognize that you may get less productive at work or less talkative at social gatherings, but it won’t last forever.  One tangible action that you can do is going out with other friends or family and share experiences with them. If there is a support group in your area where you can talk to others who are going through similar situations as you, join one! It is never better to isolate yourself, especially during or after a divorce. Being along can sometimes only magnify the stress levels and affect your overall health.

Get out there and exercise – your body and your mind. Read a good book or go to an exercise class with friends. Talking care of your health emotionally and physically can go a long way in helping you to recover from a sometimes less than amicable divorce.

Try to also follow your regular routine as much as possible, as this can add some needed structure to your daily life. Have lunch with your friends at the office, and if you like to cook, create something great for dinner. Explore a favorite hobby that you have wanted to pursue.

If you have children, and they are being shared between both spouses, it is important to keep routines and stability in their lives. Talk with your ex about such issues as school nights, bedtimes and curfews for the children, and agree in advance on these topics – to avoid the unexpected!

Staying on good terms with your ex can help you recover better. It’s hard to be positive when you are resentful or hurt. If you have children, you’ll need to show them that it is important to get along with and forgive others. It is also best not to involve children in any disagreement that you had with your ex. Children don’t need to take sides or become messengers for each spouse, as it can further aggravate stressful situations, and cause them to blame themselves for their parents’ breakup. Seek mediation or an attorney to work out major differences before they cause you any further distress! Enjoy today, and it will get better!


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A foreclosure occurs when a person has failed to pay his mortgage properly and the lender has seized the property as its own so it can sell it and acquire the proceeds to offset the mortgage payments the person has failed to give.

A wrongful foreclosure happens when this process has been done improperly or undeservedly. According to the website of Gagnon, Peacock & Vereeke, P.C., those who have been victims of wrongful foreclosure may have legal options. But who are these victims, exactly? Below are some of the most common victims of wrongful foreclosure:

·       Homeowners who were foreclosed even if they were not in default

·       Loaners who were foreclosed because of loaning errors, such as getting denied of loan coverage due to lender’s mistakes or being victims of wrong loan modifications

·       Military members who were foreclosed, even though they are protected from foreclosure by federal law

·       Homeowners with legitimate foreclosure cases, but the foreclosure process has been done incorrectly, usually in the aspects of notices, judicial sale procedures, and evictions

Many times, banks are the real culprits behind wrongful foreclosure. After all, they provide financial assistance to homeowners not for the homeowners’ wellbeing, but for the banks’ financial gain, in the form of interests and possibility of reacquiring assets if the homeowners have failed to pay mortgage.

Because of the banks’ hunger to gain money, they have a tendency to foreclose more than what is necessary, resulting into wrongful foreclosure cases. Even if they earn money out of them, they end up destroying the lives of their victims.

Victims lose the comfort and security of having a home – a house for that matter. They may experience emotional and psychological problems because of that. It should also not be overlooked that a foreclosure can damage their credit rating. It is even worse if the foreclosure has been done wrongly, because it means that they do not deserve the credit rating damage they have sustained.


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