Cockroaches are one of the most bothersome creatures that are found in every part of the globe without an exception. They usually live in wet and dark areas of a house and feed on any and every type of organic stuff. They are carriers of germs of many diseases and spoil food and other things in the household. Therefore, there is a need for eliminating the cockroach problem permanently, so that they dare not come back.

A number of people facing the cockroach problem turn to usage of chemical insecticides that are equally harmful for human beings, particularly for the children and pets. Hence, it is advisable to use natural ways of cockroach elimination than resorting to dangerous insecticides for doing so.

You can begin with bringing about small changes in the kitchen like keeping the sink and the space underneath it clean and ensuring that dirty utensils are not kept in the sink for long. As cockroaches thrive in dark and moist places, the spaces in and around a sink provide them the perfect habitat. You must ensure that you cover all your food products as well as other organic products, so as to keep the cockroaches away.

It is also critical to fill all the gaps and holes, particularly those around your drainage and water pipes that offer the best entry points to the cockroaches. You should also ensure that the areas near sewers are thoroughly dry and clean so that they do not become the habitat for cockroaches. If there are public litter bins or dumping places close to your residence then you have to find a way to get them removed, as in their presence your home is quite likely to be invaded by cockroaches.

Finally, if you have to use chemicals despite all these precautions then go for less strong chemicals such as boric acid instead of the stronger ones normally available in the market.

Find out the most effective methods of eradicating termites and other pests from your homes or offices. Click here to get your own unique version of this article with free reprint rights.

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Chartered surveyor

A RICS (Royal Institute of Chartered Surveyors) surveyor is legally entitled to carry out surveys on properties.

Completion date

The date on which the ownership of the property passes from buyer to seller. Usually this happens some time after exchange, though it is possible to have simultaneous exchange and completion.

Contract

The contract sets out the terms of the sale. It will be drawn up by the seller’s solicitor, but will be subject to negotiations before being agreed.

Deposit

Not the same as the deposit that you put down when you take out a mortgage (e.g., you put down 20% and the lender lends 80%). In conveyancing, the deposit is the amount (usually 5 – 10%) paid by the buyer to the seller upon exchange.

Disbursements

This just means “expenses” such as the cost of search fees and land registry fees. Check that disbursements are included in your quote otherwise your bill could be a lot higher than you expect.

Environmental search

A search carried out to check whether the property may be affected by things like flooding, landfill, waste disposal, contaminated land, etc.

Exchange

Once contracts have been signed by both buyer and seller they are exchanged (swapped). Once exchange has taken place the contract is legally binding and if the buyer fails to complete then they may forfeit their deposit (unless they were misled into signing the contract).

Fixtures, fittings and contents form

A form prepared by the seller setting out what fixtures and fittings (e.g., curtains, electrical appliances) are included in the sale, which ones may be included and at what price and which ones are negotiable. It may be included in the HIP, but does not have to be and can be given after an offer has been made.

Freehold

When the owner of the property also owns the land on which it is built.

HIP

A HIP or Home Information Pack contains information and search results for the property. HIPs are now compulsory and you are required to have a HIP before you market your property (though some documents can be added within 28 days of putting the property on the market).

Indemnity contribution

Solicitors must take out insurance to protect their clients in the event of mistakes or fraud when dealing with their case. This is usually charged to the client.

Land Registry

The Land Registry keeps records of land ownership. When a property is sold it is the buyer’s solicitor’s job to make sure that the transfer is recorded at the Land Registry.

Leasehold

A leaseholder owns the property, but not the land on which it stands, which is owned by the freeholder. Once the lease expires ownership of the property reverts back to the leaseholder.

Local authority search

A search of local authority records for things that may affect the property, such as: whether the road the property stands on is maintained by the council; planning applications that may affect the property; possible planning restrictions; and rights of way.

Check the area covered by the local authority search. If it only covers a limited area you may want to ask for additional enquiries.

Mortgage

This is the loan used to buy a property. Because it is linked to the property being bought the property cannot be sold until the mortgage is paid off (either at the end of its term or, if you are selling, by using proceeds from the sale to pay off the balance).

Mortgage deed

The legal charge that gives the mortgage lender rights over the property until the mortgage has been repaid.

Mortgage fees

Conveyancing solicitors will, if acting on behalf of their client’s bank or building society, charge mortgage fees.

Mortgage valuation

Before your bank or building society before they will lend on a property they will have a valuation survey dont. This is to make sure that the property is worth at least the amount they are proposing to lend. It is not the same as a property survey carried out by a Chartered Surveyor – see Surveys.

Property information form

A questionnaire covering basic information about the property. The seller completes this and is legally obliged to answer the questions honestly.

Redemption fee

Banks will often charge a redemption fee for paying off a mortgage early. Sometimes this only applies for a certain number of years after the mortgage is taken out.

Redemption payment

The payment made in order to pay off the outstanding balance of a mortgage.

SDLT

Stamp Duty Land Tax – see Stamp Duty

Stamp duty

Also known as Stamp Duty Land Tax (SDLT). This is the tax charged by the government for buying a property and is usually paid by the buyer. The amount varies depending on the value of the property.

Surveys

Not the same as the valuation survey carried out by a lender. A property survey is carried out by a Chartered Surveyor and looks at things like the structure of the building and its value. There are different levels of surveys and their costs vary greatly.

Title deeds

Documents that prove ownership of a property and set out any rights or obligations affecting the property. If the property is still mortgaged they will be held by the lender.

Transfer deed

This document (referred to as a TR1) transfers ownership of the property from the seller to the buyer. It will be prepared by the buyer’s solicitor after completion and sent to the Land Registry so the transaction can be recorded.

Water and drainage search

A search of the properties water and drainage supplies. It will check whether these are connected to the main water supply and sewerage system and how the property is billed for these services.

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The attainment of inner peace does not require any external force. There is a huge energy reservoir within our bodies that is sufficient to fulfill all our physical, emotional, and spiritual needs. All that is required is to channel and balance the movement of seven primary energy centers, or chakras, in the body.

In addition to their location in the body and significance, these seven chakras can also be distinguished by the colors associated with each of them. You can use these colors to correct the imbalance in their movements that might have crept in due to any reason. The process of using colors in such a therapeutic manner is known as Chakra Color Therapy.

Here is a brief description of the primary chakras and their associated colors:

1. The Root Chakra (or Muladhara), situated at the base of the spine, is associated with our general health and survival, courage, and vitality. Red is the color associated with this chakra, which empowers the body with overall energy and vitality.

2. The Naval Chakra (or Svadhisthana), situated at the center of abdomen, is associated with emotions and sexuality. Orange is the color associated with this chakra, which empowers the body with self-confidence, feelings of success, and independence of thought.

3. The Solar Plexus Chakra, or Manipura, is located just above the navel. This chakra is associated with will, identity, and power. The associated color is Yellow, which is known for its qualities of self-worthiness, clarity of thought, and intellect.

4. The Heart Chakra (Anahata) is situated in the center of the chest. This fourth chakra is associated with the emotions of love, self-expression, and compassion. The color associated with this chakra is Green. The attributes of Green color for the body includes the feelings of forgiveness, intimacy, and warmth.

5. The Throat Chakra (or Vishuddha), situated at the base of the throat, is associated with communication, creativity, and resonance. Blue is the color associated with this chakra, which empowers the body with the sense of self-identification and clarity in communication.

6. The Brow Chakra (or Ajna), situated between the brows on the forehead, is associated with perception, intuition, and imagination. Indigo is the color associated with this chakra, which empowers the body with qualities, like visualization, understanding, and clear vision.

7. The Crown Chakra (or Sahasrara), situated on top of the head, is associated with consciousness, knowledge, and wisdom. Violet is the color associated with this chakra, which empowers the body with a sense of spiritual awareness and self-awareness.

Chakra Color Therapy refers to simple practices of using and incorporating the relevant colors in our routine lives in order to correct the imbalanced Chakra. For this, the first obvious step is to identify the Chakra whose movements are disturbed and thereby, inviting an adverse reactions from the body.

Color Breathing is the next step after you have identified the imbalanced chakra. The exercise involves lying down in a relaxed position with all the seven cloth swatches besides you. Now that you have identified the chakra that need your attention, take the relevant colored cloth swatch and place it on the body part associated with the affected chakra. Take deep breaths. Relax. Visualize the color of the cloth being absorbed by the body and healing the affected chakra. Practice it for 5-10 minutes and you will feel the difference. Repeat for all the damaged chakras.

You can easily maintain chakra balance in the body by regularly practicing Chakra Color Therapy for about 10 minutes daily. It will recharge and oil your chakra movements while keeping their healthy movement going within the body. Your physical, mental and spiritual well being was never so easy to attain.

Jonathan Benjem writes for the popular chakra-balance.com site. To understand how knowledge of chakra healing can transform your whole life and to get 29 Free chakra colors balancing and healing Audios visit here.

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