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Factors We Must Consider while Choosing the Right Organic Crib Mattress

Factors We Must Consider while Choosing the Right Organic Crib Mattress

Mothers are always looking for buying the best things for their babies. Once you start looking for the right crib mattress, you are sure to be spoilt for choices. Many health-conscious parents wish to purchase non-toxic or organic crib mattresses for promoting a healthier nursery ambiance for their little one and give the baby a relatively safe start from the very beginning. There are certain significant features that include surface fabric, support, allergy considerations, breathability, and absence of harmful chemicals.

Examine the Surface Fabric Properly

Often crib mattresses have a nice and organic surface made of cotton but the materials that are used inside the mattress may not be organic and could prove to be toxic and hazardous for your baby. So it is best to buy crib mattresses that are totally certified by the GOTS or the Global Organic Textile Standard.

Organic crib mattresses could be waterproof or non-waterproof. Organic mattresses are different from the standard mattresses in terms of the high-quality, organic, and safe materials that are used for waterproofing and the organic fabric used on the crib mattress surface for your baby’s health and safety.

Waterproof

Waterproof crib mattresses are definitely more hygienic. They are easier to clean, require lesser maintenance, are spill-proof and deal with messes, allergens, and dust mites relatively better than standard ones.

Quilted

Quilted surfaces are pretty common with normal full-sized mattresses, and there is no reason for them not to exist on baby-sized mattresses either. They are made of fabric and feel good to the touch but are not waterproof and can be a bit of a challenge to keep clean. If you are going for one of these, it may be a better idea to go for a waterproof organic protector crib pad, which goes a long way in making your job easier.

Check the Breathability of the Crib Mattress

Breathable mattresses and crib bumpers are very important for safety and also the comfort of your child. Flat and firm support is still the most important factor, but a breathable crib pad and mattress will maximize the airflow, keeping your little one well-rested and comfortable all night long. These crib pads are typically made from cotton fibers with a polyester mesh that allows air to flow beneath and around the baby for a much cooler mattress and dramatically improved sleep quality. You may browse through valuable resources such as https://www.countingsheep.net for important information on sleep issues, health, and mattresses.

Look for Crib Mattress Support

The most crucial feature of the baby’s crib mattress is a flat and firm support. Babies would be requiring a firm mattress. The mattress has to be firm enough to remain flat despite the baby’s weight on it. According to the crib safety tips provided by the ‘Consumer Product Safety Commission’, baby crib mattresses must be tight-fitting and firm without any comforters, pillows, or soft bedding items.

Ensure that the Harmful Chemicals Are Absent

Harmful chemicals could easily be avoided by choosing the organic and non-toxic crib mattress. However, you need to be alert because sometimes you could come across dangers where you are least expecting them. Consider checking if there are flame retardants or any other harmful water-proofing chemicals, adhesives or glues present in the crib mattress that you are buying for your little one.

Conclusion

You must always buy an organic crib mattress for your baby as they are chemical-free, non-toxic, hypoallergenic, breathable, and has much superior temperature control as compared to the standard mattresses. Moreover, you must choose an organic crib mattress for your baby because these mattresses are biodegradable and sustainable ensuring a healthy environment for your baby to grow in.

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Understand the Aug. 1 Changes to HUD-1, Closing Process

HUD-1 Going Away: Understand New Closing Forms, Procedures

The HUD-1 settlement statement and Good Faith Estimate forms are going away on August 1. The Truth in Lending Act disclosure is going away as well. In their place will be a new closing disclosure and a new loan estimate. There will be changes to the closing process as well, including a new rule requiring everything to be in place three days prior to closing. And last-minute changes face new hurdles. Learn about the changes in this walk-through.

There are also new rules for the closing procedure. One rule requires all forms to be ready three days prior to closing. NAR is recommending you actually get everything ready seven days prior to closing, so when you go into the three-day period, you don’t have to make any changes. Because making changes as the clock winds down comes with a cumbersome  set of hurdles.

What this means is, you and the other settlement service providers, including the lender and title agent, are under the gun to get everything squared away earlier than you have to today. And the buyers and sellers have to be cooperative as well, because if last-minute changes are made, a new three-day waiting period kicks in, at least in some cases.

The good news is, you have until August 1 to get familiar with the new forms and learn about the new closing procedures, and NAR is hosting a series of webinars on the topic. To learn when the next one is, go to Realtor.org/respa.

The video above, with Ken Trepeta of NAR Government Affairs, provides a concise overview of what to expect and also shares some tips on how to decrease the likelihood of snags in this new environment.

The CFPB’s goal in making these changes is to increase transparency for consumers. Start your education process by accessing the 5-minute video.

 

 

 

 

 

 

 

 

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Attention Homeowners: Know What You’re Getting In The Mail

There is a new law, AB 1373 (eff. Jan. 1, 2011) which places restrictions and disclosures on grant deed copy services. This law cracks down on the mailed advertisements sent to property owners offering, for compensation, to provide a copy of the grant deed or other record of title by making it a crime unless certain disclosures are provided and the advertisement doesn't mislead a person into believing that the company is affiliated with a government agency.

For more information visit: www.crestico.com

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Hope For Homeowners

The Hope for Homeowners program is what is being broadcast as the last hope for America's Homeowners. Do you have a question about it? Read on for more information!

As of November 19th, 2008 many changes have been made to the lending system in this country. Primarily, the loan to value ratio (LTV) has been increased from 90% to 96.50% for borrowers whose monthly mortgage payments are no more than 31 percent of their monthly gross income. Next, the process to remove subordinate liens has been simplified. Payments made up front are now allowed to motivate lien holders to give their consent and release the liens; thereby making more borrowers eligible for the program. Also, the terms of financing have been expanded and now incorporate 30 and 40 year amortization schedules, thereby reducing payments amounts.

The "HOPE for Homeowners Act of 2008" creates a new Federal Housing Administration program that will back FHA-insured mortgages to borrowers that are facing problems and stress as a result of their housing situation. New mortgages that will be offered by FHA-approved lenders will encourage and implement the refinancing of abusive, unfair and malicious loans to dramatically improved terms that will allow distressed homeowners who are having difficulty making their mortgage payments some breathing room and enable them to keep their homes and families intact.

If you or anyone you know is facing difficulties when it comes to making their monthly mortgage payments, NOW is the time to act. If you have any questions regarding how this program could work for you, contact your local real estate agent who can help you start saving your future today!

Mitra Karimi, President
Crestico Realty
http://www.crestico.com

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Hope For Homeowners Program – How Can It Help You?

The Hope for Homeowners program is what is being broadcast as the last hope for America’s Homeowners. Do you have a question about it? Read on for more information and feel free to use the contact information below, to get PERSONALIZED answers to any questions you may have!

As of November 19th, 2008. many changes have been made to the lending system in this country. Primarily, the loan to value ratio (LTV) has been increased from 90% to 96.50% for borrowers whose monthly mortgage payments are no more than 31 percent of their monthly gross income. Next, the process to remove subordinate liens has been simplified. Payments made up front are now allowed to motivate lienholders to give their consent and release the liens; thereby making more borrowers eligible for the program. Also, the terms of financing have been expanded and now incorporate 30 and 40 year amortization schedules, thereby reducing payments amounts.

The "HOPE for Homeowners Act of 2008" creates a new Federal Housing Administration program that will back FHA-insured mortgages to borrowers that are facing problems and stress as a result of their housing situation. New mortgages that will be offered by FHA-approved lenders will encourage and implement the refinancing of abusive, unfair and malicious loans to dramatically improved terms that will allow distressed homeowners who are having difficulty making their mortgage payments some breathing room and enable them to keep their homes and families intact.

If you or anyone you know is facing difficulties when it comes to making their monthly mortgage payments, NOW is the time to act. If you have any questions regarding how this program could work for you, contact us and we will help you starting saving your future today!

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