Try Some Cheap and Home Made Weeds Killer for your green lawn (save money)

Cheap and Home Made Weeds Killer

Just as we all are starting to enjoy our beautiful green lawn after a long winter, we are all noticing that weeds are popping up everywhere. Do not despair! Instead read this blog to finds out some homemade and cheap ways to control nasty weeds on your lawn:

 

1. Homemade Vinegar mix for weeds

 

In light of my recent discussion of nasty chemicals on grass, you can imagine that I was excited to see this simple recipe to make my own, non-toxic weed killer spray:

8 cups (2 litres) white vinegar

1/2 cup. (50ml) salt

4 tbsp (50 ml) dishwasher liquid

Dissolve the salt in the vinegar, and then add 2 tbsp of liquid dish detergent. Store this in a labelled spray bottle.

Pour in spray bottle, mix gently and spot spray each weed. May harm grass so only spot spray directly on weeds.

 

2. Use Liquid Dish Detergent

Make a soap solution of 1 part liquid dish detergent to 10 parts water. Soak weeds with this mix.

 

3. Use Boiling Water

 

Plug in the kettle, bring it to a boil then pour the hot water over weeds (you’re basically cooking the weed to death).

 

4. Try Lemon Juice

 Either use straight lemon juice or try 1/2 cup lemon juice mixed with 1 quart household vinegar. This works much the same way as straight vinegar, but lemon juice is more expensive. I would only use this if I had more lemon juice on hand than I knew what to do with.

5. Corn Gluten Meal (this is different than corn meal)

This is an all natural weed and feed product that deter weeds spreading by seed. This is Effective on crabgrass, dandelions, curly dock, knotweed, lambs quarters, pigweed, plantain and other weeds. This can be used on lawns, flowerbeds, bulb beds and vegetable gardens.

Some other Tips for Weed Control

·         Many natural remedies and weed killer products will not only kill weeds dead, but they may also kill surrounding grass, plants and flowers. When using a recipe, make sure to apply to the weed only (keep in mind that liquids will saturate and seep into the ground where roots from favoured plants may be able to reach).

·         Use weed killers when there’s no sign of rain for at least a day or two, hot sunny weather will give you best results.

·         For weed control in gardens and flower beds, consider laying newspapers and mulch in and around your plants–the weeds will have a difficult time rooting and spreading.

·         Weed growth is greatly reduced when using the “No Dig” method of gardening The idea is to make a foundation of compost/mulch then only use soil where you plant (make a hole in the mulch, stick a handful or two of dirt inside then plant the seedling).

·         Did you know: Many weeds are used in home remedies for all sorts of things and some are even edible and tasty! For example, dandelions can be used to make a delicious syrup, wine or jelly, while plantains can be crushed and used to reduce itching from mosquito bites or relieve pain from bee stings. Take some time to research the weeds in your area and you may find some pretty clever ways to make them useful–you may just decide to let a few weeds live and flourish in certain parts of your yard.

Earn 35 air miles in two minute and some more freebies

Enjoy Some Free Stuff

This is my new blog post on saving money and earning free air miles.

1^st Earn 35 air miles in 2 minutes

To earn air miles you must have air miles card or number with you.

To earn 35 air miles you have to fill out two small surveys

a) Earn 20 Air Miles

 

Play the game, and then enter your collector’s number for 20 Air Miles in 4-6 weeks

Ends May 31, 2013 or after 20,000 card members, whichever comes first

Blogmakesmoney link to get 20 Air miles

b) Earn -15 Air Miles

 

Drive away with 15 Bonus reward miles for taking this short survey!

You love cars and so do we. That's why we're giving you the opportunity to earn 15 Bonus reward miles in seconds. Simply answer and submit this short survey on your vehicle purchase habits and the Bonus reward miles are as good as yours.

Blogmakesmoney link to get 15 Air miles

 2) NEUTROGENA free Gift

 

Hey NEUTROGENA fans! Last year’s personalized gift giveaway was so popular that we decided to do it again. But this year it’s even bigger!

Discover THE GIFT OF HEALTHY SKIN. 

 Blogmakesmoney link for free stuff to get yours now

Free Astro KIK Krew

Register for Astro Kik Krew, and they will send you a coupon for your next Astro Kik bottle:

Link to get free Astro

More Freebies

 

How to excel in MAT test and some free sample questions

Free and New MAT Practice Test Sample Questions 2013-14

After the success of my blogs on Wonderlic Test Sample Questions, Auditing jobs, Administrative Jobs question, Accounting Jobs and SAT now I want to create this blog for readers to do well in MAT exam. In my first part in this blog you learn little bit about MAT exam and later you will see free MAT tests.

What is MAT test?

This means The Miller Analogies Test.

Why MAT test?

Hundreds of graduate schools and programs in North America rely on The Miller Analogies Test (MAT) as an admissions/aptitude exam for applicants.

The MAT exam is very challenging, and there are complaints by some groups that it is actually too difficult, and should be scrapped, as it keeps many people from pursuing their dreams of going to graduate school because their Miller Analogies score is too low. However, graduate schools and programs are very reluctant to quit using the exam, and they have a very good justification for their continued reliance on it. The plain fact is that the MAT is very good at predicting which candidates are likely to achieve success in a graduate program and in a professional career, and which ones aren’t.

 

What is good or bad about MAT TEST?

There are far more applicants for grad school admissions every year than there are openings, there is no way graduate programs can admit everyone who applies. Also, many applicants simply don’t have the intellect required to do graduate level work. These two facts make it absolutely necessary to use an effective screening test and the Miller Analogies exam serves this purpose very well. One of the reasons it’s so effective at predicting academic success in graduate school is that it’s radically different than the average standardized test. Many of these other exams focus mostly on measuring how much information and/or skills a student has acquired. In many ways, taking one of these tests is about the same as appearing on the TV quiz show Jeopardy, because persons who have memorized lots of facts, figures and formulas will do very well. These tests have their place, as minimum levels of acquired knowledge are essential for success in any academic pursuit, but they are limited.

In contrast, the MAT measures a person’s ability to do analytical thinking and capacity for verbal comprehension, instead of one’s skill at memorizing facts. While acquired knowledge is important (and essential for success on the MAT test), the ability to reason logically is even more important for success in grad school. Repeated studies have demonstrated this conclusively. Other studies have proven that using analogies is the best way of testing for analytical reasoning abilities. A person who performs poorly on the Miller Analogies Test is extremely likely to have a great deal of difficulty doing graduate level academic work, and a person who achieves a high MAT score is very likely to excel at graduate study. These are the reasons that use of the MAT has become so widespread, and why it will almost certainly continue to be a common grad school application requirement for the foreseeable future.

Breakdown of MAT Test

 

The Miller Analogies Test (MAT) is an analytic ability test utilizing analogy problems.

 Primarily verbal analogies are tested, but a few quantitative analogies will also be on the MAT. There are a total of 100 partial analogies that must be completed in 50 minutes. The MAT will test your ability to determine relationships between words, mastery of the English language, and a general knowledge of fine arts, history, literature, mathematics, philosophy, and science.

The MAT consists of 120 partial analogies that must be completed within 60 minutes.

Twenty of the items on the test are un-scored. Experimental items used for the development of future tests. The test-taker will not be able to determine which of the items are experimental.

The analogies on the MAT may be either semantic, classification, association, or logical/mathematical. Semantic analogies involve the definitions of the terms involved, and may be divided up into the following groups: synonyms/definitions; antonyms/contrasts; degrees of intensity; or word part and meaning. Classification analogies depend on an understanding of the way words and concepts are placed in a hierarchy. These analogies may have to do with category, membership, or the relation of whole and part. Association analogies are the most common type of analogy; they have to do with the relationship between two ideas. Association analogies may depend on the characteristics of an object, the order of something, or a cause-and-effect relationship. Finally, logical/mathematical analogies may contain equations, fractions, multiples, negation, or letter and sound patterns. The ability to complete all of the analogies will require competency in the English language, as well as specific knowledge in the humanities, social sciences, natural sciences, and mathematics. A score report will be mailed to the test-taker two to three weeks after the completion of the exam. The score report will include a scaled and percentile score. The scaled score is placed on a range of 200 to 400, and is derived from the raw score, which is the number of questions answered correctly. The MAT can be taken either on a computer or on paper. The Miller Analogies test can be taken any-time of year at over 500 locations around the world; to register, visit the MAT website.

Free MAT Test Sample Questions 1-10

 

Choose the analogy that best matches the example provided.

Q 1

 DRIP: GUSH

A. CRY : LAUGH

B. CURL : ROLL

C. STREAM : TRIBUTARY

D. DENT : DESTROY

E. BEND : ANGLE

Q 2

WALK : LEGS

A. GLEAM : EYES

B. CHEW : MOUTH

C. DRESS : HEM

D. COVER : BOOK

E. GRIND : NOSE

Q 3

 ENFRANCHISE : SLAVERY

A. EQUATION : MATHEMATICS

B. LIBERATE : CONFINE

C. BONDAGE : SUBJUGATION

D. APPEASEMENT : UNREASONABLE

E. ANATOMY : PHYSIOLOGY

Q 4

UNION JACK: VEXILLOLOGY

A. TOAD : ORNITHOLOGY

B. TURTLE : MICROBIOLOGY

C. GYMNOSPERMS : BOTANY

D. FRIEND : HOME ECONOMICS

E. ALGAE : ZOOLOGY

Q 5

 TOPAZ: YELLOW

A. DIAMOND : CARAT

B. JEWELER : CLARITY

C. SAPPHIRE : RED

D. AMETHYST : PURPLE

E. AMBER : BLUE

Q 6

LUMEN: BRIGHTNESS

A. CANDLE : LIGHT

B. DENSITY : DARKNESS

C. NICKEL : METAL

D. INCHES : LENGTH

E. COLOR : HUE

Q 7

 MACERATION : LIQUID

A. SUBLIMATION : GAS

B. EVAPORATION : HUMIDITY

C. TRAIL : PATH

D. EROSION : WEATHER

E. DECISION : DISTRACTION

Q 8

CLUMSY : BOTCH

A. WICKED : INSINUATE

B. STRICT : PAMPER

C. WILLFUL : HEED

D. CLEVER : ERADICATE

E. LAZY : SHIRK

Q 9

 FUGITIVE: FLEE

A. PARASITE: FOSTER

B. BRAGGART: BOAST

C. SAGE: STIFLE

D. BYSTANDER: PROCURE

E. FIREBRAND: QUIBBLE

Q 10

 CHRONOLOGICAL: TIME

A. VIRTUAL: TRUTH

B. ABNORMAL: VALUE

C. MARGINAL: KNOWLEDGE

D. ORDINAL: PLACE

E. COINCIDENTAL: HEALTH

Answers and Explanations- Free MAT Test Sample Questions 1-10

1. D: Denting is minor damage and destroying is major; dripping is minor liquid flow and gushing is major. Cry and laugh (A) are antonyms. Curl and roll (B), stream and tributary (C), and bend and angle (E) are all pairs of synonyms.

2. B: Walking is a movement of the legs and chewing is a movement of the mouth. Eyes may gleam (A), but this is not a movement. Dress (C) is a whole, of which hem is part; Cover (D) is part of the whole, book. There is an expression, "Keep your nose to the grindstone;" but grind is not a movement of/upon the nose (E).

3. B: Enfranchise is to set free/liberate, and slavery is the opposite-i.e. to enslave/confine. Both sets are antonyms. Equation is part of mathematics (A). Bondage and subjugation (C) are synonyms (for each other and slavery). Appeasement and unreasonable (D) are unrelated. Anatomy and physiology (E) are related subjects.

4. C: The Union Jack (British flag) is part of vexillology, the study of flags; gymnosperms are part of botany, the study of plants. Toad is not part of ornithology (A), the study of birds. Turtle is not part of microbiology (B), the study of microscopic organisms. Friend is not part of home economics (D), the study of cooking, sewing, and other home skills. Algae, plants, are not part of zoology (E), the study of animals.

5. D: Topazes are yellow and amethysts are purple. Carats (A) are measures of the weight of diamonds, not their color. Jewelers (B) inspect gems for clarity, a quality other than color. Sapphires (C) are blue, not red. Amber and blue (E) are two different colors; neither is a gem.

6. D: Lumens measure brightness and inches measure length. Candles do not measure light (A) but emit it. Density does not measure darkness (B) but may create it. Nickel does not measure metal (C) but is a type of metal. Color does not measure hue (E); these are synonyms.

7. D: Liquid causes maceration as weather causes erosion: both break things down. Gas does not cause sublimation (A) but is subject to it, as humidity is subject to evaporation (B). Trail and path (C) are synonyms. Distraction interferes with a decision (E), rather than causing it.

8. E: One who is clumsy may botch a job; one who is lazy may shirk work. One who is wicked may or may not necessarily insinuate (A); a better adjective for insinuating something might be sly or subtle. One who is strict does not pamper (B), but the opposite. One who is willful does not heed (C) warnings/directions. Clever, i.e. ingenious or smart, is unrelated to eradicate (D), to eliminate.

9. B: A fugitive flees; a braggart boasts/brags. A parasite does not foster (A) or promote anything, but lives off another. A sage is one who is wise, not one who stifles (C), i.e. suppresses, anything. A bystander does not procure (D) or obtain anything, but stands by and may observe an event. A firebrand incites others to action but does not quibble (E), i.e. dispute, anything.

10. D: Chronological means in order of time, as ordinal means in order in place. Virtual means essential, implicit, practical, or almost; not in order of truth (A). Abnormal means not normal and not in order of value (B). Marginal means minimal or peripheral, not in order of knowledge (C). Coincidental means by chance/occurring together, not in order of health (E).

 

Deciphering mortgage language for all new or old home buyers

Mortgage Language for all new or old home buyers in 2013

This is my second blog on mortgage; in the first blog we see how we all can save money. In this blog you will see ABC about mortgage. If know more about type of mortgage, you will save more and nobody can advise you wrong.

Whether you're purchasing your first home, upgrading to a larger home, downsizing or relocating, if you need a mortgage, chances are you'll come across some if not all of the following terms. Given that a mortgage is a long term commitment, it's best you understand the terminology used when shopping for your mortgage as you'll have to live by the terms of your mortgage for years to come.

 

What is Mortgage?

A mortgage is a loan you take out to buy property. The property is used as collateral to ensure that the amount borrowed is paid back.

Mortgage rate

When you take out a mortgage, you are borrowing money from a lender. The mortgage rate is the percentage interest you will pay back on top of the money you borrowed.

Closed mortgage

A mortgage which cannot be fully prepaid, renegotiated, or refinanced before the mortgage term reaches full maturity without some sort of additional charges (e.g. three months’ worth of interest). Interest rates for a closed mortgage are typically lower than the rates offered for an open mortgage.

This might not be as stringent as it sounds. Many closed mortgages will allow you to increase your monthly payments or make lump sum payments once a year up to a certain percentage of the mortgage without penalties and/or other charges.

 

Amortization

The number of years it would take you to fully repay your mortgage based on a set number of fixed payments. Amortization periods in Canada can range from 1 to 30 years. This is different than the mortgage term.

Convertible mortgage

A convertible mortgage offers you the option to convert your shorter term closed mortgage into a longer term closed mortgage at any time without any prepayment charges.

Down payment

The amount of money you put down upfront towards the purchase of your home, which then influences the amount of mortgage loan you require.

Fixed rate mortgage

The interest rate for a fixed rate mortgage will not fluctuate. It is set, and will not change for the entire term of the mortgage.

High ratio mortgage

A mortgage loan when you have less than 20% for a down payment towards the purchase of the property. Or, alternately a mortgage loan for an amount that is more than 80% of the value of the property.

Mortgage term

The term of the mortgage is the length of the loan. This is different than the amortization period. A Canadian mortgage is usually amortized over a period of up to 30 years, with a shorter term (usually 1 to 10 years). At the end of the mortgage term, the remaining balance of the principal (amount of money borrowed) can either be repaid or a new mortgage agreement can be arranged at a new interest rate.

 

Open mortgage

An open mortgage can be prepaid, in part or in full, at any time during the mortgage term, without the penalties associated with a closed mortgage. Interest rates for an open mortgage are typically higher than the rates offered for a closed mortgage.

Prime lending interest rate

The interest rate a lender uses as a base to calculate interest rates for mortgages and other loans. Canadian financial institutions usually adjust their prime interest rate at the same time, following the Bank of Canada's announcements for changes to the key overnight interest rate.

Principal

The amount of the loan owed at any specified time, not including interest.

Variable rate mortgage

A variable rate mortgage is a mortgage where the interest rate fluctuates according to changes in the prime lending rate. The payments for a variable rate mortgage do not fluctuate with the fluctuation of the interest rate. Instead, if interest rates go down, more of the payment is applied to reduce the principal; if rates go up, more of the payment is applied to payment of interest.

You can also find some good Free Mortgage Payment Calculator in this website…

 

Save more hard earned dollars with Mortgage Refinancing

ABC about Mortgage Refinancing and saving

First what is Mortgage Refinancing?

Refinancing is the process that pays the existing mortgage and/or any other legal claims against the property and sets-up a completely new mortgage.

Recently I did refinancing my Mortgage and now I am saving about $5000 of interests every year. Current time is the best for refinancing your mortgage. If you are thinking about refinancing your mortgage you are not alone. With interest rates as low as they are, for as long as they have been in Canada, many homeowners over the last little while have debated if mortgage refinancing makes sense for them.

Benefits of mortgage refinancing

It all comes down to saving money. Will you, or will you not save money by refinancing your mortgage?

Kinds of mortgage refinancing

There are a variety of ways that a homeowner may save money by refinancing, like:

1. Lower interest rate.

Find a mortgage at a lower interest rate. If your mortgage is at a higher rate than what is available today, refinancing may make sense.

 

2. More flexibility

Getting a mortgage product that offers flexibility that you do not already have with your current mortgage; this way penalties and costly interest can be avoided.

3. Fixing Debts

This is good time for consolidating other debts. With rates so low, a person can refinance their mortgage to consolidate other debts that may be at a much higher interest rate.

 

 

 

Drawbacks

What are the drawbacks to mortgage refinancing? In a nutshell, you have to pay some penalties. When refinancing a mortgage agreement, your lender will likely apply a penalty if you are refinancing before your term ends. Depending on the penalty, you may choose not to refinance your mortgage at all. Basically there are three types of penalties: a set flat-fee penalty, a 3-months interest penalty, or an interest-rate differential (IRD) penalty. The type of penalty you have will be outlined in your mortgage agreement. 

 

Best time for refinance

Current time is good time for homeowners to consider refinancing.

• Rates are low, like they are now.

• There are savings available above and beyond just a lower interest rate. For example, if you want to be free to make lump sum payments, increase your payments or change your amortization period and your current mortgage does not offer these features without a penalty.

• You have other, high interest debts (like credit cards), that by consolidating into your mortgage will save you money.

• You want to take out equity you have built up in your home. Often, homeowners refinance because they want to take a loan out on the equity in their home to pay for renovations, start up a business, or pay for their child's post-secondary education.

Free Printable Medical College Admission Test (MCAT) Sample Questions (1-100) Part III

New Printable MCAT test Sample Questions 2013-14

This is my 3rd part of blog on Free Printable MCAT test Sample Questions. The MCAT exam is a standardized test that has been a part of the medical school admissions process.

MCAT Free test Sample Questions 33-45

33. Which of the following is considered a component of lipids?

A. Plasma cells

B. Fatty acids

C. Nucleic acids

D. Zinc

34. Down's syndrome affects chromosome ____.

A. 13

B. 15

C. 21

D. 23

 

35. Blood enters the lungs from which chamber of the heart?

A. Right atrium

B. Left atrium

C. Right ventricle

D. Left ventricle

36. Excessive consumption of alcohol is most likely to damage which organ of the body over a long period of time?

A. Kidney

B. Liver

C. Pancreas

D. Gallbladder

 

37. Which of the following is not considered a type of radiation ray?

A. Gamma

B. Beta

C. Alpha

D. Infrared

________________________________________________________

Answer Key - MCAT Free test Sample Questions 33-45

33. B

34. C

35. C

36. B

37. D

38. B

39. A

40. B

41. C

42. A

43. D

44. D

45. A

_______________________________________________________

38. A molecule of hemoglobin can hold how many molecules of oxygen in the blood for transport?

A. 2

B. 4

C. 6

D. 8

39. Which of the following best describes the biomechanics of breathing?

A. Pump handle motion

B. Lever action

C. Inspiration

D. Expiration

40. Animals that eat meat almost exclusively are known as:

A. Herbivores

B. Carnivores

C. Arthropods

D. Prolific organisms

41. The physical expressions of a gene are known as an organism's:

A. Transcription

B. Genotype

C. Phenotype

D. Translation

42. A ball is traveling at a constant velocity of 50 m/s and has been traveling for over 2 minutes. What is the ball's acceleration?

A. 0

B. 25 m/s

C. 25 m/s

D. 50 m/s2

43. Neurons connect together at a ______.

A. Synergy

B. Terminal site

C. Docking station

D. Synapse

44. Which of the following is another word for the kneecap in the human body?

A. Pisiform

B. Meniscus

C. Popliteal bursa

D. Patella

45. Which of the following describes the shoulder joint

A. Ball and socket joint

B. Saddle joint

C. Hinge joint

D. Pivot joint