Just because fixed rate mortgage rates have dropped to historic lows doesn't mean that you should automatically refinance. With the economic climate you might not be able to refinance because many banks have tightened the rules for refinancing. As for who is eligible, you will need a 700-720 on your credit score to get the best rates. To refinance at all you need at least a 600. Generally it is worthwhile to refinance if you can save at least a half point off of your current rate. But you do ...
When the climate changes, so do all the things that rely on the climate, including people, plants, and pathogens. A European study recently took a broad look at what kind of microorganisms are most likely to be affected as climate change heats, cools, dries, and wets the world around us.
This video helps those of you who live in colder climates take care of your garden during the fall, specifically October.
As headlines focus on melting glaciers and rising water levels caused by global warming, climate change is quietly taking its toll on the nearly invisible occupants of this planet, the microbes.
You want learn how to fire breath? This how-to video has 6 easy steps that anyone can do and it's safe. You need corn starch, water and a flame. Watch this video tutorial and learn how to breathe fire. You'll be able to find work as a carnie in these tough economic times.
Raise your credit score in five simple steps? Sounds too good to be true, doesn't it? Well, financial expert Linda Ferrari is here to to explain to you how this is possible. In these rough economic times, everyone could use a little boost, so why not take some of Linda's advice and give your score some help?
The future of forests looks dreary in the face of a warming climate, but scientists are exploring the relationship between soil microbes and the ability of trees to move to higher altitudes, a key component of their survival.
So you want to start a home garden in your backyard? Make sure you pick the best plants and flowers for your garden by considering climate, soil composition and growing seasons for what you want to cultivate. Know the difference between annuals and perennials, and master home gardening techniques so your garden can thrive beautifully!
In a bad economic environment, providing a great customer service experience is even more important than normal. Word of that great experience will spread via Twitter and Youtube, helping your business attract buzz without requiring it to spend cash on marketing. This video features a business technology expert explaining how to create a "wow" experience for your customers and use the ability to do so to improve your business.
Most oil cooler kits cost $250 or more, but the guys at Poor Man Mods show you how to make your own oil cooler for only $60! Oil coolers are great security for longer lasting and better performing engines, especially high-performance engines and in warmer climates.
A cicada is not exactly a cricket, not exactly a fly, and not exactly a locust. In hot climates they're known as "jar bugs," and are well known for their vocal nature and large size.
Whether it's a political or economic collapse, a natural disaster or even the zombie apocalypse, follow these outdoor survival tips to make sure you are prepared! Learn how to make a shelter in the wildnerness, proper preparation techniques for supplies, and become a better survivalist!
If you live in a cold climate, a snowblower can really be a lifesaver during the winter months. But a snowblower is actually a pretty powerful piece of equipment, and using them incorrectly can be very dangerous. In this video tutorial, Tim Carter, of Ask the Builder, shows you how to safely use a Craftsman snowblower.
Revamp an old t-shirt into a stylish halter top shape. This is an easy project, and with these tough economic times, you should probably be saving that money instead of going shopping. Check out this video fashion tutorial and learn how to reconstruct a t-shirt without any sewing.
Learn business English with Video Vocab. This episode introduces English vocabulary related to economics and the economy. This video is for ESL students who are at an intermediate to advanced level.
A thorough, step-by-step guide to canning pears from a home economic expert. Episode includes printed recipe on website.
Pawpaws are a little-known American fruit. With their unusual texture and tropical flavor, pawpaws make a great addition to a lot of recipes. They're easy to grow at home, too, in almost any climate! Here is everything you need to know about growing pawpaws, plus a recipe for a delicious and healthy smoothie!
High humidity and glaring heat make summer a difficult time for girls who wear makeup. Heck, if you live in a warm climate it's probably expected that by the time you're done with all your makeup half of it has already melted off.
If you mountain bike, and are lucky enough to live somewhere that has enough water to support civilization without major civil engineering, then your brake pads are probably going to wear out a lot faster than your dry-climate comrades. Fortunately for you, this video features instructions for how to replace the pads of a Hayes caliper brake for a mountain bike.
In this video, Todd McClure will teach you how to maintain and keep up your indoor shuffleboard table. In the video, learn how to use silicone, wax and how to adjust the climate adjusters on a shuffleboard table.
This instructional wood turning video demonstrates how to dry a green piece of wood and avoid cracking. Date the piece and mop a green wood sealer inside the bowl. Set it aside for 90-120 days in a dry climate. This is a necessary step when preparing wood to make a carved wooden bowl.
Cow manure contains methane, a potent greenhouse gas. Farmers who collect and burn methane keep it out of the atmosphere while generating clean electricity.
While two augmented reality companies were recently recognized for their innovative technologies, other companies have turned to augmented reality to innovate in their respective fields. Over the past week, use cases have ranged from selling snacks and video games to raising awareness for public health issues.
Legal Services A group of lawyers refused to provide legal services to needy AARP members for $30 per hour, but when asked to do it for free, they readily agreed.
Airports are expensive places these days, aren't they? Remember the good old days when you didn't have to pay to check your luggage? Well, in these crazy economic times airlines, just like everybody else, are trying to get extra cash anywhere they can.
Here's the inevitable food hierarchy you must know if you're a cooking looking to make the most delicious, succulent meals possible: When it comes to cooking with vetables, fresh veggies from the supermarket beats canned, and in season produce beats just about everything else.
Mailboxes don't have to look all lonesome, with only the curb to cheer them up. If you have one of those street boxes on a post instead of a house box, the best thing to do to make a happy mailbox is to give it some company. To improve your home's curbside appeal, take your landscaping efforts to the curb and enhance the area around the mailbox. It's a great way to accentuate your landscape.
Depending on where you live, the type of skirting option you choose is important (Skirting is the base trim around the shed). Henry shows you three different ways to do this including the Drip Cap options for wetter climates.
On 4Runners equipped with the automatic climate control system, the left and right hand knobs control the temperature settings for the driver's side and passenger's side. To use it, switch on auto mode by pressing the ‘auto’ switch on the left hand knob so the amber light is illuminated. Then press ‘dual’ on the right hand knob so its amber light is illuminated. Rotate the left hand and right hand knobs to set your temperatures. The system will maintain those temperatures. If you want the who...
Turn a patch of dirt into a gorgeous green lawn by planting the seeds correctly. Learn how to plant grass seed with this how to video.
If you use Microsoft Excel on a regular basis, odds are you work with numbers. Put those numbers to work. Statistical analysis allows you to find patterns, trends and probabilities within your data. In this MS Excel tutorial from everyone's favorite Excel guru, YouTube's ExcelsFun, the 15th installment in his "Excel Statistics" series of free video lessons, you'll learn how to use create a frequency distribution, relative frequency distribution, percent frequency distribution and pie chart wi...
There are many so-called methods for beating the dealer at BlackJack, but not many of them actually work. In this tutorial, get tips from a professional gambler on how to outsmart the system and win every time. You will be raking in the cash after a few practice sessions with this video as your guide. All of the methods in this video are totally legal ways to win..so why not try it? I mean, in these rough economic times, couldn't you use some extra cash? And it's fun too!
Crab cakes are best when kept simple and light. Try the recipe in this video for an authentic Chesapeake Bay taste. You'll need to gather these ingredients: two eggs, mayonnaise, Worcestershire sauce, Dijon mustard, lemon, bread or cracker crumbs, seafood seasoning, baking powder, parsley, and crabmeat. If you can't make it out to the shore or a nice restaurant (economic downturn and all), check out this video cooking show and learn how to make your very own Maryland crab cakes. And remember-...
A 6,000-year-old forest inhabitant awakens to find life in the forest around it in crisis. Plants, trees, animals, and birds are moving north to escape increasingly heated air, even as mass extinctions take place around the world. The inhabitant stirs and remembers it has lived this before and knows what to do.
A recent study underscores a connection between climate change and infectious disease, raising concerns about our quickly warming planet.
Responding to the rapid emergence of dangerous pathogens around the world, a new initiative to prevent or contain pandemics was announced in Davos, Switzerland, yesterday. If you ever worried that a highly contagious pathogen could take down your community, or the country, this news is for you.
Using mathematical modeling, researchers suggest weather and warming created the "perfect storm" that drove the Zika outbreak in 2016.
In this video, we learn how to change the temperature settings in a 2010 Prius. All the climate controls are on the center console. The steering wheel can also help you change the temperature control. Press the green switch first then you will be able to set the temperature that you want the car to be. The system will then maintain that temperature. If you want to use the fan, select the fan and then select the speed you want it to be at. There is also a front and rear defroster you can press...
Sea bream is a type of fish that lives in tropical climates, prefering to live in shallow waters and typically dwelling at the bottom. It's not nearly as easy to find at supermarkets as salmon or tilapia, but it's worth a try because it has such a unique flavor.
This video makes suggestions in how to choose colorful flowers and shrubs in your garden. Bowle’s Mauve is a purple flowering plant that will grow and bloom until fall. It will become bushy. Another colorful choice is the Rock Rose, a pinkish flower. The Blue Salvia has blue flowers. A Bank’s Rose, only bloom for a short time. It has yellow or white flowers. Aphids tend to attack it, but it is hearty.
