Blog update

Swegi Gonbup is on WIX, now.

(Click Here)

Thank you.

New Home Mortgage

      Are you ready to buy a home?  

     You should be able to get the right mortgage.  Likewise, seek out the right lender and acquire the right price.

     Avoid bad fees. Attempt to manage the home-buying industry.  Negotiate the most cost-effective way to finance your home.

     Plenty of people will need to get a mortgage.  Mortgage is for individuals unable to pay up front, directly (http://www.businessdictionary.com/definition/mortgage.html)

     Paying "up front", means you are unable to pay cash. Buying a house in cash means it requires 100% down.  The seller will lower the price, and as the buyer you will be sans lenders.

     If buying it in cash is a dream, it’s important to find a loan that meets your needs.  Your needs include your budget.  There are different types of mortgages:

1.  Conventional Mortgage- 

     a loan that is not subsidized by the federal government. There are two types of conventional loans: conforming and non-conforming.  

a) A conforming loan is bound by maximum loan limits which are set by the federal government. These limits vary by geographic area.  

b) A non-conforming loan in general can’t be sold or bought.  Loan bartering is restricted on non-confirming loans due to the principle amount or underwriting guidelines.  

2.  Government-insured loan- 

   lenders are less concerned with the risk of repayment.  This sort of loan is supported by the government.  The government guarantees repayment to the bank should you default on your mortgage payment.

3.  FHA- Federal Housing Authority-  

     this type of loan has more lenient requirements. Credit prerequisites and down payment are minor in comparison to other loan types available. It is necessary for the buyer to acquire the loan in order to purchase or refinance a primary residence. FHA loans tend to be more popular with first-time homebuyers.

4.  FHA 203k loan- 

     this Federal Housing Authority loan is designated with regard to home improvement and home purchase, together.  A 203k loan is guaranteed by the FHA, which means lenders take less risk when offering this loan.  There is a minimum and maximum applied in conjunction with the repair costs.  The total value of the house is rated a few different ways, but the lesser of the values is taken into account(https://www.realtor.com/advice/sell/sell-your-house-fixer-upper/).

5.  Veterans Affairs loan- 

     this option is available to veterans, reservists, active duty military, and surviving spouses of veterans. A VA loan is typically considered the best loan option  at one's disposal because it requires no down payment, no private mortgage insurance.

6.  USDA (United States Department of Agriculture) loan- 

     these are for those individuals purchasing a home in a eligibly rural suburban community. Affordable interest rates apply. To be eligible means the neighborhood has to meet population size requirements.

7.  Good Neighbor Next Door program- 

     this is sponsored by HUD(Housing and Urban Development).  This loan is provided for housing aid for law enforcement officers, firefighters, emergency medical technicians and pre-kindergarten through 12th-grade teachers.

     When acquiring a loan, or mortgage, you will need to have a fixed rate, or an adjustable rate.  Fixed rate applies to buyers seeking a lower payment over a longer period of time. Fixed rate are stable, with a consistent monthly payment amount.  Adjustable rates are subject to change after an initial grace period.  One month can be completely different than the payment for the following month.  

     In conclusion, plenty of mortgages are available.  Check your credit report before applying for a home loan. You'll have room in order to fix the problem area.  Acquire your financial goal and work on saving a large down payment.  Try to resolve any history of late payments before you approach a mortgage lender.  Arrange and compare all of the loans available to you.

You'll be ready to buy a house soon

Diphenylamine, apple pesticide

     Go to your nearest edible supplier. Pick up an apple.  What is the powder substance on the sides?  It is a pesticide, which slows down produce mold.  A popular pesticide is diphenylamine.

     Diphenylamine (DPA)-

(Information origination-
Reregistration Eligibility Decision (RED) document fact sheet case 2210, United States Prevention, Pesticides EPA-738-F-97-010 Environmental Protection And Toxic Substances April 1998 Agency (7508W))

     Diphenylamine (DPA) is a plant growth regulator used post-harvest to control storage scald on apples. It is mainly used for its antioxidant properties. As a pesticide, DPA is used for destroying insects or other organisms harmful to cultivated plants.  DPA has been classified as an indoor food use.

     Storage scald- term loosely applied to a group of skin disorders of apples and pears. It involves brown or gray discoloration of irregularly shaped areas on the surface of the fruit during or following storage (http://postharvest.tfrec.wsu.edu/pages/N6I2C)

Chemical formula- C12H11N

Molar Mass- 169.23 g/mol

Appearance- White, tan, amber, or brown crystals

Odor- pleasant, floral

Density- 1.2 g/cm3

Melting point- 53 °C (127 °F; 326 K)

Boiling point- 302 °C (576 °F; 575 K)

Solubility in water- 0.03%

Vapor pressure- 1 mmHg (108°C)

Acidity (pka)- 0.79

Magnetic susceptibility- -109.7·10−6 cm3/mol

     Formulations include an emulsifiable concentrate, a wettable powder, a soluble concentrate/liquid and a ready-to-use liquid.   DPA is applied by dipping, drenching or spraying.  It was pesticide registered in 1947.

     DPA has been shown to be slightly toxic by the oral, dermal, and inhalation routes and has been placed in Toxicity Category III (second lowest of four categories) for these effects.  The dietary intake cancer risk for diphenylnitrosamine is 2.8 x 10 mg/kg/day.

     DPA is of low acute toxicity and has been classified as “Not Likely“ as a human carcinogen. An impurity of DPA,
diphenylnitrosamine, is classified as a “probable human carcinogen”, however the cancer risks for dietary intake and worker exposure fall below the Agency’s level of concern. Food crop use consist of post-harvest use on apples. Dietary exposure to DPA residues in foods is within acceptable limits.

     Since this is considered an indoor food end-use chemical, only hydrolysis data are required. Available data indicate that DPA is stable towards hydrolysis at pH’s 5, 7, and 9. DPA has a moderate solubility in water (39.4 ppm), a relatively high octanol/water partition coefficient (K =3,860), and a high vapor pressure (6.39 x 10 torr). The high rate of ow
-4 aqueous photolysis and the susceptibility of the chemical in aerobic environments indicate that if DPA were to reach surface waters, it would be short lived.

     DPA is moderately toxic to fish and aquatic invertebrates. It is practically non-toxic to avian species on an acute and subacute basis.

     Industrial handling of Diphenylamine- 

     The Agency develops any mitigation measures or regulatory controls needed to effectively reduce each pesticide's risks. EPA then reregisters pesticides that meet the safety standard of the FQPA and can be used without posing unreasonable risks to human health or the environment. When a pesticide is eligible for reregistration, EPA explains the basis for its decision in a Reregistration Eligibility Decision (RED) document. These facts are summarized from the RED document for reregistration case 2210, diphenylamine.