Travel to Financial Success

Based on estimation, our shower cartridge may have been used for at least 14 years. Now it starts dripping. Here we discuss how to remove and replace it (i.e. a Moen shower cartridge). Before You Start For any plumbing project, you need to turn off water at the shutoff valve and drain remaining water from the faucet first. Depending on where you live (i.e., cool or warm area), your water shut-off valves may locate at different areas of your house. [1,2] In a small Texas town where I live now, the main water shut-off value is located inside the meter box near the curb. In our city, only authorized city personnel are allowed to open and work in the meter box. However, most newer homes in our area have additional shut-off valves located near the house in the flower bed. After locating the valve, you shut if off by turning it clockwise and on by turning it counter-clockwise. Finally, depending on the size of your house, draining remaining water from the pipe may take...

(Updated on 12/27/2021) To see broad and persistent price inflation in an economy, we generally need two things . The first is a persistent rise in broad money supply , and the second is a physical constraint on our ability to produce more commodities, goods, or services cheaply . ― Lyn Alden  Declines in the working population relative to the nonworking population is an inflationary force. ―  Jesse Felder After all, populism , protectionism and deficit spending are all inflation ary . ― Deutsche Bank's Aleksandar Kocic Inflation Awakening (July 2018) ―Pimco In truth, inflation is all about the destruction of confidence in a fiat currency’s purchasing power . And there is no better way to do that than for the government to massively increase the supply of money and place it directly into the hands of its citizenry. In other words, helicopter money and Modern Monetary Theory (MMT) were deployed—and in a big way. The result was the largest increase of inflation in 40 ...

At beginning of each year, it's time to mail in your homestead exemption form in order to receive a discount on your property taxes, should your property be eligible.  But, if the chief appraiser grants the exemption(s) in previous years, you  do not need to reapply annually . However, you must notify the chief appraiser in writing if and when your right to this exemption ends. On 01/12/2015, I have received a Form 50-114 (i.e., " Application for Residence Homestead Exemption ") from my local County taxing authority. Usually this form will be mailed between January and the end of March . And, you have until 04/30 of that same year to file homestead exemption (see below). If you qualify for the age 65 or older or disabled persons exemption, you must apply for the exemption no later than the first anniversary of the date you qualify for the exemption. Finally, filing your homestead exemption is free through your local taxing district. Homestead Exemption ...

(Updated 07/21/2018) (Bloomberg) The currency war has arrived as the U.S. and China open up a new front in their increasingly acrimonious game of brinkmanship. The repercussions could threaten the global financial order. Supply-and-demand, inflation , interest rate differentials , purchasing power parity , and other economic factors will cause changes to a currency's relative worth. [1,29] For example, a country's currency tends to appreciate under the following conditions: Less accommodative monetary policy  or fiscal austerity [13] by Raising interest rate For example, Fed Chief Paul Volcker hiked interest rates to fight off inflation during the 1970s and early 1980s and subsequently the dollar surged 78% from June 1980 to December 1984. Under the best practices, governments are encouraged to use interest rate tools rather than manipulate the exchange rate.  Slashing budget Stronger economy Recently, the dollar surged to its highest level in nearly s...

Algae are a very large and diverse group of eukaryotic organisms. Most are phototrophic . Given them right conditions, they can grow very fast in most marine environment including swimming pools. To maintain a healthy swimming pool, the main task is to control their growth—the best process is elimination. In this article, we will examine how to clean and test pool water to eliminate algae . Algae Problem Algae spores constantly enter the pool, brought in by wind, rain or even contaminated swimsuits or equipment. When conditions are right, an algae bloom can occur seemingly overnight. These conditions include out of balance water, warm temperatures, sunlight and presence of nitrates , phosphates , and/or carbon dioxide . Of course, a lack of proper circulation, filtration and sanitation may be the primary cause of the algae. There are over 21,000 known varieties of algae! In the pool business, they avoid all of the complication by referring to algae by the colors: [1]...

On EWG web site , it has published a report on seafood choices.  We eat fish or shellfish for the benefits of omega-3s. [1] However, seafood are also high in mercury. [4] Therefore, we need to choose fish based on its omega-3 and mercury levels.  Depending on your age, weight, and gender, EWG makes the following recommendations on what kinds of seafood to eat or avoid.  Calculation are based on 4 oz. serving size.  Note that sustainability is also considered in EWG's recommendations, which is based on the Seafood Watch from Monterey Bay Aquarium . [2,6] Species Weekly Mercury Sustainability Max Servings per Week Salmon 13% Best Choice: Wild Alaska 3 Sardines 20% Best Choice: Pacific 3 Mussels 8% Best Choice: farmed 3 Rainbow Trout 13% Best Choice: farmed ...

After taking a look at the "actuarial adjustments" of social security benefits below: you ask yourself: should I retire at age 62 or not? Tradeoffs The Social Security Administration has designed the benefit formula to, on average, yield the same amount in lifetime benefits irrespective of when you begin receiving payments.  Here is how the U.S. Government Accountability Office explained: "The Social Security benefit formula adjusts monthly payments so that someone living to average life expectancy should receive about the same amount of benefits over their lifetime regardless of which age they claim." If you expect to live to average life expectancy (78.74 in 2012), maybe the decision to retire earlier at age 62 or not is irrelevant. In [1], it has suggested that: If you're fortunate enough to live well into your 80s or beyond, then waiting will indeed result in a larger lifetime haul. However, if I were you, I would go with the prevalent wi...