Grand Lake, CO Real Estate Grand Lake Homes for Sale

Table of Content

• Search Waterfront Properties by State
• East River
• Colorado Waterfront Luxury Home on Acreage Michael Krieg
• Horsetooth Reservoir
• Navajo River
• How to buy a home in Colorado

Contact us today if you're interested in learning more about Colorado lakes or lake homes across the country. We'll direct you to an experienced lakefront real estate agent who knows Colorado lakes like no one else. So you are looking for homes with waterfront in Colorado Springs, CO? Realtor.com® wants to make sure you can search for a house with waterfront with ease.

Sitting alone on Blackfoot lake, this lakefront home has incredible views with a massive rock outcropping, mountains and a golf course. Experience the grandeur of mountain living in this Community with a Golf Course, ... This beautiful and recently renovated lakefront cabin sits right on Grand Lake, accommodating up to six guests in three bedrooms. It has hardwood floors and a fully equipped kitchen with everything you need to cook up your meals, including upgraded appliances. Look forward to campfires by the lake, swimming, fishing and boating right out your door in the summer, and in the winter, ice fishing, cross-country skiing, sledding and snowmobiling.

Search Waterfront Properties by State

Located near the Purgatory Ski Area overlooking Lake Purgatory, a private alpine lake north of the town of Durango, this over 2,600-square-foot home sleeps eight in three bedrooms plus a loft. Tucked into the mountains, it’s the ideal lake house surrounded by opportunities for recreational activities. Enjoy views of Engineer and Spud Mountain to the north and to the east, the Animas River flowing through the La Plata Mountains. Look forward to gorgeous unobstructed views over Lake Dillon, with the snow-capped peaks of Ten Mile Range providing a spectacular backdrop.

Currently approximately 50 acres is in hay production and the ... Including Lake homes, riverfront homes, beachfront, oceanview, Gulf frontage, and more. Our top-rated real estate agents in Colorado are local experts and are ready to answer your questions about properties , neighborhoods, schools, and the newest listings for sale in Colorado.

East River

There are a ton of activities in the surrounding area, including hiking from the Beaver Creek Trailhead nearby, hot springs, fly fishing, whitewater rafting, and four-wheeling. Two inflatable paddleboards are included for fun on the water too. This spectacular cabin is located in an upscale residential-resort community at Lake Estes. It includes two bedrooms, both master suites, accommodating six comfortably or a maximum of eight. There’s another 25-foot-tall fireplace in the living area, along with a balcony, a fully equipped kitchen and dining area.

This page utilizes third-party mapping services and does not make any warranties or representations about the accuracy or completeness of these services' representations. Due to Colorado's Diverse Geography, there are never-ending activities for people of all ages. Climb the Southern Rocky Mountains or be daring and take on Mount Elbert. Mount Elbert is the second tallest peak in the United States.

Colorado Waterfront Luxury Home on Acreage Michael Krieg

The walk-out basement has foosball, a pool table, games for kids, and another flat-screen TV with a DVD player. The outdoor fire pit is a great place to roast marshmallows while enjoying the mountain views, and after dark, a brilliant starry night’s sky. Located in southwest Colorado just minutes from shopping, dining, and the hot springs in the town of Pagosa Springs, this authentic log cabin enjoys a tranquil setting alongside Lake Pagosa. It’s been updated with a full cabin and a large dining area, with natural gas heat to keep you warm, while still retaining its rustic feel and old-world charm. Located within the Fox Acres Community, this magnificent home is a head turner at every level.

Marston Lake homes for sale have an average list price of $931,000, with many great homes at higher and lower prices. If you enjoy being surrounded by the tranquil atmosphere of nature and soaking in stunning vistas, this is the place for you. In the winter, you can even snowmobile directly into town or along paths that go deep into Arapaho National Forest and ascend up to the thick snow!

Colorado lakefront living truly offers something for everyone. If your family lives on one of Colorado's beautiful lakes, all ages can create memories that last a lifetime. Multiple generations can get together and share experiences that can't be replaced by modern life. Experiencing nature in its pristine state, right outside your window, is what CO lakefront real estate is all about. Colorado lakefront property is one of the best types of CO real estate on the market, because there is enduring value to families who live or vacation on the lake. For all of human history, there has been something about bodies of water that draw us to them.

Excavation has already been started with a road to the top of the property. With seasonal ponds and sloping topography, what else could you possibly want to build your dream home on. Most of us are constantly dreaming of that next fabulous getaway. While a vacation at the beach is always fun, perhaps it’s time to escape the tourist crowds and enjoy a lakeside holiday instead.

We recognize you are not only buying a New England lake house, you are buying a lake and a lifestyle. There are dozens of questions that need to be answered specific to any lake and lakefront home you are considering…including our “37-point lakefront property questionnaire”. The town of Westminster offers the perfect attractions for a day of family-friendly fun. Visit the Conundrum Escape Rooms to practice your logic survival skills, the Children’s Museum of Denver , and Sky Zone Trampoline Park for hours of pure and simple fun.

Many people choose to live near Colorado Springs, CO because of its good reputation as well as its proximity to several parks and recreational areas. In fact, there are schools, universities, school districts and lastly parks nearby. Lemon Lodge is a two-bedroom cabin just two blocks from town, tucked among the pines with a trout stream right out the back that empties into Grand Lake.

Swan River

The lake’s proximity to Denver makes it an epicenter for incredible restaurants like Bandido’s Mexican Restaurant , and the 49th Food and Spirits for a fine-dining experience. Shopping centers near the lake include Fraser Valley Shopping Center , and Cooper Creek Square , along with many other name-brand and local shops within 30 minutes of the lake. Several grocery stores are within 25 minutes of the lake, but Mountain Market is the most convenient location . The nearest airports to Mayham/Hidden Lake are the Rocky Mountain Metropolitan Airport for private flights and the Denver International Airport for commercial flights. When your family comes to visit to share in your amazing lake life, the best hotels for their stay include Savannah Suites-Arvada and DoubleTree by Hilton Hotel Denver - Westminster .

Shopping centers near the lake include Cabot Plaza , and John Dunn Shops . Several grocery stores are within 45 minutes of the lake, but R&R Market is the most convenient location . This lake is the perfect combination of lake, mountain, and city life. If you want to have a place to bring your children that will constantly fill them with wonder, Marston Lake is perfect for your next lake home. Airports and Hospitals The nearest airports to Marston Lake are the Centennial Airport for private flights and the Denver International Airport for commercial flights.

Navajo River

This lake is 1,462 acres in size and is located in the southcentral region of Colorado with stunning mountainous views. The most popular species of fish caught here are rainbow trout, northern pike, and brown trout. This private lake is stocked with fish and has many access points for swimming, paddle boarding, canoeing, and kayaking.

11 Home Remedies for Burning Sensation in The Rectum

Table of Content

• Burning sensation in stomach after drinking
• Effective Essential Oils for Psoriasis that Helps Relieve the Skin…
• Get the Free App for Doctors
• Home Remedies
• Hemorrhoids
• How we reviewed this article:

Eating banana can be a good treatment for acid reflux since it can ease the burning sensation in your abdomen. This occurs as a result of the high levels of dietary fibre and antacids in bananas, which stop the burning in your stomach and provide relief from gas and discomfort. Being loaded with antibacterial, antimicrobial and antifungal properties, coconut oil can battle any infection contributing to anal itching. Besides, this plant contains soothing and calming agents, which alleviate anal itching, inflammation and soreness. Moreover, it can decrease the irritation of hemorrhoids causing anal itching.

Stay hydrated, and avoid foods that trigger the burning sensation you are experiencing. Moreover, you can follow the home remedies listed above to soothe the burning sensation in your stomach. A simple cold compress is a great way of relieving pain, itching, and pain when passing stool. Simply wrap some ice cube in a clean cloth then apply it on the burning anus. Some simple home remedies might help relieve a burning sensation in the anus.

Burning sensation in stomach after drinking

You can treat anal itching at home with easyhome remediesand simple lifestyle changes. Often times, the lack of proper levels of hydration in the body has been found to be one of the reasons for burning in throat. SrcLicorice is believed to have similar properties like that of the aspirin, thus making it a potent remedy to get rid of burning throat effectively.

Burning anus or burning sensation in the anus is a common complaint in both males and females. The sensation can be severe due to the many nerves ending in this region. Here are the causes, symptoms, and home remedies to treat this sensation. If your constant and irritating anal burning is caused by an anal fissure or hemorrhoids, you can take a “sitz” bath to relieve the discomfort. Sitting in a bathtub with warm water can help to speed up the healing process and improve blood circulation to your anal region.

Effective Essential Oils for Psoriasis that Helps Relieve the Skin…

Inflammatory bowel disease can cause inflammation of the intestines that causes burning, itching, and bleeding from the anus. Inflammatory bowel disease can affect any part of the intestinal lining and is a complicated digestive condition to manage. Many people have found that they can control eczema flare ups with diet or by treating the affected red patch of itchy skin with natural oils. Figs not only help you to have an easy bowel movement but also can help your anal canal to clean that can have shrunk because of hemorrhoids.

You can get a bruise if you’re injured in the buttocks — for example, if you fall while rollerblading or get hit while playing a contact sport like football. Often, you’ll notice a swollen lump and tenderness in the bruised area. Here’s how to relieve your symptoms and speed along the healing process.

Get the Free App for Doctors

In children, this condition is caused by a virus, whereas, in adults, it is caused by bacterial food poisoning. Gastroenteritis is a condition characterized by inflammation of the stomach and intestine. This is a widespread condition known to cause diarrhea and vomiting. In chronic cases, however, proper medication and surgery may be required to heal the tears. The alternation of hot and cold is similar to what people suggest after an injury where the spot is swollen or inflamed.

Pain, while a skin condition can also cause passing stool. Common such conditions would include seborrheic dermatitis, psoriasis, and eczema, among others. When this is the cause of the burning sensation, you will also expect to have other symptoms such as pain and slight bleeding when passing stool. Use offigsis amongst the most commonly recommended home remedies for burning sensations in the rectum. Bleeding from the bowels can also signal more serious conditions, like an anal fissure or a polyp. Finally, colon cancer can cause significant amounts of blood loss; any experience of bleeding from the rectum should warrant a visit to the doctor.

Home Remedies

You can consume half a cup of aloe vera gel before eating anything to appease your heartburn. Add one tablespoon of organic lemon juice to a glass of hot water. Dissolve two or three teaspoons of apple cider vinegar and one tablespoon of honey in one cup of lukewarm water. The food and fluids produce stomach acid we consume regularly. A valve called the lower Esophageal Sphincter directs the food in the stomach.

Sometimes, the hemorrhoids can cause some bleeding after a bowel movement. Almond oil, known for its emollient and deep tissue absorption properties, is used mainly for external hemorrhoid treatment. Dip a cotton ball in pure almond oil and apply it on the affected area. It moisturizes and eases inflammation, and will relieve the burning and itching sensation in and around the anus.

We will provide you with a deep well versed understanding of what it is that is causing the condition and how to get rid of burning throat effectively. Symptoms of MS include sensory disturbances that can lead to burning pain as well as numbness and tingling in the legs. These symptoms are often the result of faulty nerve signals due to MS lesions in the spinal cord and brain. Medical News Today has strict sourcing guidelines and draws only from peer-reviewed studies, academic research institutions, and medical journals and associations.

Also, the fact that the rectum is prone to bacterial infections can aggravate the feeling of burning even more. One of the benefits of using coconut oil with tea tree oil is that they both contain antifungal properties and can help to give you relief from anal itching. Coconut oil contains fatty acids which are great to moisturize dry skin that is a symptom of eczema, psoriasis, and other causes of itchy skin. To help get rid of the urge to scratch an itchy anus that stings, you can use natural virgin coconut oil. Home remediesfor the burning of the rectum can offer great relief to patients suffering from this irritating condition.

IBS vs. gastroenteritis (stomach flu): Causes, complications, and treatmentNever ignore these types of stomach pain

This would include such things as banding to shrink hemorrhoid or surgical removal of the enlarged blood veins around the anus. Mayo clinic staff defines chronic constipation as an infrequent bowel movement or difficult passage of stool that persists for more than a week. When the burning pain in the anus is felt after ejaculation, then the underlying cause of the pain is most likely to be prostatitis. A burning sensation while sitting can be a sign of poor hygiene.

Anal eczema can cause a feeling of burning around the anus after a bowel movement. Anal eczema can be caused by a number of conditions including dry skin, allergies, or infections. This inflammatory skin condition causes itching, burning, cracked skin, and sometimes infections. The warm, damp conditions around your anus are also the perfect environment for a yeast infection to develop. A yeast or fungal infection can quickly develop between your buttocks and cause itching and anal burning. Candida infections commonly cause irritation between folds of skin and itching under the breasts.

Educational text answers on HealthTap are not intended for individual diagnosis, treatment or prescription. For potential or actual medical emergencies, immediately call 911 or your local emergency service. Dull ‘toothache’ pain or burning sensation into the buttock. Soups, especially chicken soup has been found to have beneficial impacts in helping get rid of the symptoms that cold and flu brings along with it. A machine removes the plasma from your blood as well as antibodies that are attacking your immune system. The affected plasma is treated or replaced with a substitute and then returned to your body.

December RBA hike: which banks have increased home loan rates

Table of Content

• Settle your loan
• Private Property Refinancing in 2022
• Current Local Thirty Year Mortgage Rates
• Remortgage to Release Equity
• Why Should I Refinance My Home Loan? - The Benefits of Refinancing
• What Costs Come with Refinancing a Home Loan?

A refinance home loan refers to the home loan product borrowers switch to. Lenders sometimes offer a different set of home loans with their respective rates and features for refinancing applications. A rate and term refinancemay allow you to reduce your monthly mortgage payment. You can lock in a lower rate by refinancing, which should make your monthly payments lower and give you some money back in your budget. The above mortgage loan information is provided to, or obtained by, Bankrate.

A shorter loan term can also save you lots of money in interest. These costs typically amount to 2% to 6% of the new mortgage total. However, the total amount of interest you pay on a 15‑year fixed-rate loan will be significantly lower than what you’d pay with a 30‑year fixed-rate mortgage. The table below is updated daily with current mortgage rates for the most common types of home loans. Compare week-over-week changes to mortgage rates and APRs. If you’re eligible for a USDA or VA loan, you won’t need to put any money down.

Settle your loan

You don’t need to worry about the entire length of your loan but only the time of your lock-in period. After that, you can refinance and the current rate won’t matter. ROSHI is one of Singapore’s leading comparison aggregators and an independent loan marketplace. We compare various products including banking, insurance, investment and utility products.

You’ll also want to compare lender fees, as some lenders charge more than others to process your loan. The APR is the total cost of your loan, which is the best number to look at when you’re comparing rate quotes. Some lenders might offer a lower interest rate but their fees are higher than other lenders , so you’ll want to compare APR, not just the interest rate. In some cases, the fees can be high enough to cancel out the savings of a low rate. For example, a 30-year mortgage might be better for someone who prefers the lowest monthly payments and plans to live in the house for a long period of time.

Private Property Refinancing in 2022

Some lenders offer streamline refinances with no upfront costs wherein the lender will pay some or all of the closing costs in exchange for a higher interest rate. If your credit score is below 760, then you might not qualify for the very best rate lenders offer. That doesn’t mean you can’t get a lower rate than what you currently have, but there is room to improve your score and boost your savings. Before you apply for a mortgage refinance, check your credit score and get a copy of your credit report. Homeowners still have time to lower their monthly mortgage payments by refinancing, as mortgage rates are still relatively low. Most housing and mortgage experts predict that refinance rates will land somewhere between 5% and 6% by the end of the year.

Bankrate.com does not include all companies or all available products. A cash-out refinance allows you to tap your equity by refinancing your mortgage. Because you're withdrawing cash from your home’s value, the new mortgage amount will be higher than your current loan.

Current Local Thirty Year Mortgage Rates

Your monthly payment may fluctuate as the result of any interest rate changes, and a lender may charge a lower interest rate for an initial portion of the loan term. Most ARMs have a rate cap that limits the amount of interest rate change allowed during both the adjustment period and the life of the loan. A fixed-rate mortgage has a rate and payment that stay the same for your entire loan term. An origination fee is what the lender charges the borrower for making the mortgage loan. The fee may include processing the application, underwriting and funding the loan as well as other administrative services.

Must submit for full approval by by 31 December 2022 and settle by 28 February 2023. The Governor of the Reserve Bank of India on Wednesday announced a hike in repo rate by 40 basis point. The public sector bank Bank of Baroda hav increased its interest rate on home loan from 6.5% to 6.9%. Bank of India, on the other hand has also increased its home loan interest rates from 6.5% to 6.9%.India’s largest mortgage lender, HDFC has increased its prime lending rate by 30 basis points.

Why compare mortgage refinance rates?

We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. There are also no credit score minimums for USDA or VA refinances; however, lenders might apply their own standards to these refinances. Mortgage refinancing is when you replace one home loan with another in order to access a lower interest rate, adjust the loan term or consolidate debt. Refinancing requires homeowners to complete a new loan application and may involve an appraisal and inspection of the home. Lenders also rely heavily on an applicant’s credit score and debt-to-income ratio when deciding whether to extend a new loan.

A better credit score will help you secure a better rate and make your refinance even more cost-effective. If you're not happy with your credit score or the rates you're being quoted, work on boosting your credit first, then try to refinance again once you've improved it. Typically, mortgage lenders want to see a credit score of 620 or better for a refinance, but there are some refinance options if you have poor credit, including streamline programs. 2020 and 2021 ushered in a refinance boom, when homeowners took advantage of rock-bottom rates.

Remortgage to Release Equity

On Sunday, December 11, 2022, the national average 30-year fixed mortgage APR is 6.64%. The average 15-year fixed mortgage APR is 6.04%, according to Bankrate's latest survey of the nation's largest mortgage lenders. The impact of a 0.25% change in the interest rate depends on the loan amount, the term and the interest rates. To illustrate, let's look at a $250,000 mortgage with a 30-year term, and the differences in payment between an interest rate of 4% and a rate of 4.25%. What's happening around the world will influence U.S. markets.

While mortgage rates will likely remain high compared to the pandemic lows, they should be lower than the highs we have seen this year, Parekh notes. Mortgage rates more than doubled this year from 3.22% in early January to more than 7% in October — a 20-year high. With rates so high, it's not a good time for most homeowners to refinance.

28 Secret Santa Gifts Under $15 for Teens and College Students

Table of Content

• A holiday-themed soap set
• A diary for sports, music, or movie lovers
• Notes to Self Socks
• Essie Cheer's To The Perfect Shades for the Holiday Season Duo
• Winter Hat

Under “Add your personalization,” the text box will tell you what the seller needs to know. New socks can make a great gift to replace well-worn ones. We are big fans of this slender book of advice, and it would be a great Secret Santa gift for ANYONE. We have recommended this tea to many, and all agree you don’t need dessert with this tea because it’s that delicious by itself. You can never go wrong with lip balm as a Secret Santa gift; this one gets great reviews.

It measures 5.75 by 8.25 inches and comes in 20 different colors. For a more traditional tea lovers gift, here is a sampler box of Numi Organic Teas. If your Secret Santa recipient is a bearded man, he wil love this Beard Butter by Grave Before Shave. This teak wood scented butter is meant for conditioning the skin underneath his beard, to prevent dryness and itching. It will make his face feel luxurious and manly at the same time! Click here to learn about why beard butter is so important to use.

A holiday-themed soap set

Basically anyone on the basketball team will love this basketbowl (basketmug?) — it's funny, but also totally useful. With soft nylon on the outside and metallic fabric on the inside lining, these puffer jackets are unique ways to keep your beer cool and your hands warm. This toilet light is motion activated and has nine color modes. It also features a flexible arm meant for easy installation in any toilet bowl. This mini quad of eyeshadows from the Detroit-based cosmetics company The Lip Bar creates easy everyday or going-out eye looks. It comes in three color palettes that are designed to complement fair and deep skin tones.

Make someone, or everyone, home-made bath bombs as an indulgent gift for birthdays, Christmas, or just because. Using household ingredients, fragrant oils and a little wrapping pizazz, you can rustle up a whole set of bath bombs to keep everyone feeling and smelling da bomb. Make these clever place settings as a gift for any horse enthusiasts – they’re much more fun than normal ones and can be re-used again and again. Spray cheap plastic toy horses with chalkboard paint, leave to dry, and just add chalk. Lip balms are a teenage girl’s best friend, so make sure she has a stash of them by whipping up your own, using shea butter, beeswax, and nourishing jojoba oil. Whoever your teenager’s superhero is, he (or she…hello, Wonder Woman) can be turned into a coaster, ready to hold up a cup while saving the furniture from rings and tea stains!

A diary for sports, music, or movie lovers

For the rom-com fan, the latest installment to Lyssa Kay Adams's "Bromance Book Club" series is sure to be a hit. After all, what better season for matchmaking than mistletoe season? It's festive, it's funny, and the perfect Secret Santa gift for avid readers and/or Hallmark movie fans. Help them to stress lease heading into 2023 with this three-piece gift set from Tony Moly. The brand, best known for its incredible sheet masks, centered its calming trio around lavender, an ingredient recognized for its soothing powers on the mind and body.

It is made of a soft acrylic knit and features fun ruffles and fringe on the bottom. Halfway between a swater and a blanket, ponchos are a great way to stay cozy all season long. This water bottle from Simple Modern is designed to last a lifetime. It is made of 18/8 stainless steel and is double wall vacuum insulated to keep cold drinks cold and hot drinks hot all day long. From the youngest family members to the oldest, here is your one-stop-shop to impress everyone who matters the most.

Notes to Self Socks

That's what makes this one of the best Dirty Santa gifts. It also comes with a book, all neatly packaged in a gift box. Make 'em laugh with these quirky and funny gift exchange ideas.

Super simple to make, these pom pom bookmarks need nothing more than yarn and scissors, and would make adorable stocking stuffers for the teenage bookworms on your list. Reading is soul food, so feed hers with this award winning novel by Nina LaCour, which explores life, love, loss, friendship, and grief in a beautifully touching way. Always working something out and unravelling the mysteries of the universe. These interstellar puzzles are based on cosmic phenomena such as meteors, comets, and asteroids, making them perfect gifts for spaced out scientists.

Sign up for our newsletter for all the best gift guides, deals and holiday planning advice. Tis' the season of jingle bells, Home Alone movie marathons and the inevitable office holiday party. It's a great opportunity to build camaraderie with co-workers, especially when it comes to Secret Santa gifts. But let's face it, while shopping for loved ones is difficult, buying for your co-workers is nearly impossible.

The gift recipient can wear them when their feet are cold. Do you remember the fun of pass the parcel when you were a kid? Recreate that fun teenage style, by making adorable zipper bags to hide the ‘real gift’ in. You could even make several, each one smaller than the last, so your teenager will have a set of matching cosmetics bags PLUS the final gift. Make a gold bowl to hold their gold jewelry, using a balloon, newspaper, and some Mod Podge – oh, and some gold leaf.

This cute winter-themed one from Forever 21 will keep ears toasty and outfits fashionable. Candles do a lot — calm you, make your home smell better, set the mood — so get your secret Santa one that they can take with them wherever they go. Whether it's to a hotel or at their significant other's house, they can bring these candles with lids wherever they go, and calmness will be sure to follow. If your secret Santa is a not-so-secret wino, they would certainly appreciate anything wine-related, like this bottle stopper and charm set.

Warm up your secret Santa with this sherpa throw blanket. Diamonds may be your best friend, but they are not a friend to your $10 budget. That doesn't mean that you have to write jewelry off entirely. A small bracelet, like this adjustable one, can easily be found for less than $10, and all other secret Santas will be green with envy over it. If there was ever a gift that appealed to all ages, this is it!

There are great deals of neat brand-new points for young boys this year. If you are having a hard time for unique gift suggestions, we have a few of the conventional hottest playthings on our list, along with a lot of various other things. We have a few video game-related items, yet there are several other neat things that will certainly maintain your young children discovering. This mushroom growing kit is a fun and funky gift that any Secret Santa will love.

It features two sheet masks, one sleep mask, and hand cream. If your Secret Santa loves camping, they'll really like this survival tool. It's the perfect gift for someone who dreams of a life in the wilderness. You’re telling me you can step up your at-home mixology game with an infusion kit?

44 Cheap Secret Santa Gifts Under $10

Table of Content

• For the party animals: Full of It! The Adult Icebreaker Game
• A set of cool coasters that's worthy of Instagram
• This Ugly Dessert Is Wildly Popular At Christmas Time. Here’s Why
• Last Minute Secret Santa Gifts Under $10
• TikTok Products Under $50 That Will Make Holiday Gift Shopping Too Easy
• Best Secret Santa Gift Ideas Under $25 Your Friends and Family Will Adore

165 Best Christmas Gifts for Boyfriends of 2022 Finding Christmas gifts for your boyfriends doesn’t have to be a struggle. Guys are somewhat predictable and as long as you play to their interests they’ll appreciate being given a thoughtful holiday gift. Here are the best gift ideas for a boyfriend that are sure to please, as long as you keep in mind the things that he likes or needs. If you have a budding photographer in the family, or even if your teens just like to take photos with their friends, you’ll love this tutorial. This camera strap is home made, and can be decorated with whatever shapes, designs, or colors you want using masking tape and acrylic paint. Even the most ardent of fashion aficionados know the value of comfort, and what could be more comfy than warm, fleecy lounge pants?

It contains everything needed to grow your own mini crop of oyster mushrooms, right out of the box! The instructions are simple and easy to follow, and the box can even be recycled after you harvest your mushrooms to grow a whole new crop. Everone needs a cute pair of mittens during the holiday season. These soft and cuddly penguin mittens are made of a warm knit with a soft lined interior. They will make any Secret Santa recipient smile all winter long. This cozy poncho is a stylish addition to anyone’s winter wardrobe.

For the party animals: Full of It! The Adult Icebreaker Game

This wireless handset transforms any phone into a banana phone for the caller to speak into and listen from. Described as a "decorative planter," bring this gem to your next Dirty Santa gift exchange to see how many people actually know who the late, great Bob Ross is. Maybe someone you know at the White Elephant gift exchange is always complaining about being single. This novelty toy is just what they need to have a good laugh about their status. Everyone at your gift exchange will be fighting over this set of two dino-themed taco holders that hold their meal in place until they're ready to eat.

This set of twelve prompted letters can either be filled in by the giver, or can be given blank for the recipient to fill out for someone else. The perfect addition to her beauty regime, this lighted mirror offers 2x/5x/10x magnification in separate panels which is handy for tweezing or precision make-up application. Fitted with LED lights, the brightness can be adjusted by touching the screen until the desired effect is achieved, while the angle can also be changed. High school is an important part of any teenager’s life, but this book teaches teens how to do 97 awesome things that no teacher is going to teach them. Some days she’s raring to go and others she just wants to say ‘Not Today’.

A set of cool coasters that's worthy of Instagram

With 6 vibrant colors included, the special comb applicators make it super easy to have temporary color with no nasty chemicals involved. Utterly beautiful and totally absorbing, this wooden puzzle will keep her occupied for hours. With 123 pre-cut pieces included, this kit builds into an intriguing mechanical gear treasure box which she can set her own code for, from the 810 combinations possible. Give her tastebuds a global treat every month with one of the amazing gift boxes from MunchPak. Choose from the 5, 10, or 20 snack plan, and she will receive specially curated sweet and savory snacks from around the world, along with a travel guide and optional soda, too. This is a great gift for anyone who is constantly attending shows, concerts, or sports games — and never throws away their tickets.

Belt up instead of saddle up with this simple DIY project, which uses D-Rings in place of buckles. These belts are incredibly easy to make, and require only belt webbing, D-Rings, and needle and thread along with minimal sewing know-how. Suitable for boys and girls, these belts are a cinch to make. It doesn’t matter how old your daughters get, they will always be little girls at heart. The perfect Christmas gift for teenage girls, the Shattered Glass Ceiling Necklace will remind her of what she can achieve.

This Ugly Dessert Is Wildly Popular At Christmas Time. Here’s Why

This game is a Grown and Flown favorite and perfect for anyone on your Secret Santa list. BTW, many of these gifts would also work well for your own Secret Santa needs for friends, office mates, or small Christmas Gifts for relatives. Teen Vogue covers the latest in celebrity news, politics, fashion, beauty, wellness, lifestyle, and entertainment. The Most Thoughtful Gifts That Support Good CausesFrom jewelry to beauty products and tons of cute accessories. Give the gift of pain relief with this cute heating and cooling pad that's perfect for squeezing when you just want to rip your ovaries out.

Send me exclusive offers, unique gift ideas, and personalized tips for shopping and selling on Etsy. On top of grabbing gifts for your friends and loved ones, there's no doubt you probably signed up for a Secret Santa or some kind of holiday gift exchange along the way. In the moment it sounded harmless, but when you're tasked to find the actual gift? There are a few gifts you can't go wrong with—including cozy throw blankets, gorgeously scented candles, and charming coffee mugs, like this one from Anthropologie.

For the one who likes to do themself, a set of nail polish is a great gift. Pick one that comes with some festive colors as well as some neutrals, so your secret Santa can use their gift for the holidays and long after that. We've all gotten those holiday-themed bath sets, but does anyone actually want gingerbread-scented body wash? Instead, get your secret Santa a spa kit they'll actually use because everyone needs a little pampering around the holidays. Home Gifts Science Gifts for Boys Science Gifts for Boys Science gifts for boys from preschool to high school & beyond.

The candle label is also personalized with your desired name. This fanny pack can give them a literal beer belly, because a can of beer can fit inside of it. You can choose between five burrito styles, two waffle styles and two pizza options for this happy blanket. Be sure to tell the recipient to wash it on cold and tumble it dry on the lowest setting. The karaoke kings and queens at your party will love this teeny-tiny mic that actually works — just plug it directly into their phone or computer.

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Lowe Funeral Home & Crematory Obituaries

Table of Content

• Obituaries of Lowe Funeral Home
• Lowe Funeral Home
• Community answers
• Ever Loved Recommends

Our commitment is to lessen your burden in difficult times. Find answers and other useful information to further support you and your family through all stages of funeral planning and coordination. Explore the ways in which we can create a personalized, memorable experience and pay tribute to your loved ones.

Honoring your loved one can be easy for family and friends by sending flowers through local florists. Send flowers for birthdays, anniversaries, or a funeral service. Beautiful bouquets of flowers and stunning gifts can be delivered to your special someone in Mörfelden-Walldorf Germany. Deliveries can be made to residences, business locations, funeral homes, churches, or hospitals. There are many residential and business neighborhoods in Mörfelden-Walldorf that are served by Richie's Flowers & Gifts. Select from a variety of fresh flowers and plants to celebrate any occasion.

Obituaries of Lowe Funeral Home

This is the fee for the services the funeral home will provide during a graveside service. This is generally required if you will be needing any assistance from the staff for the service. To order memorial trees or send flowers to the family in memory of Nola "Leada" Lowe, please visit our flower store.

On behalf of our entire family, we would like to say thank you for the wonderful funeral service you provided for our brother. From the initial planning meeting, casket selection, visitation, and Rosary to the Mass and burial in Tyler everything went so smoothly. There was a great combination of attention to detail and sincere kindness throughout the process.

Lowe Funeral Home

The professional, dedicated staff can assist you in making funeral service service arrangements, funeral arranging, and assist you through cremation choices. The memorial service director can guide you through all aspects of the program; including memorial service flowers, casket choices, suitable music selection, and local accommodations. In case you are interested in preplanning your memorial service, you can be sure your legacy will be shielded and that you can easily have peace of mind.

Additionally, we never felt pressured in any way. We can wholeheartedly recommend Lowe Funeral Home for your funeral needs. This is the fee for the services the funeral home will provide during a funeral or memorial service. This is generally required if you would like to hold the service at the funeral home or if you will be needing any assistance from the staff for the service. The florists near Lowe Funeral Home have a wonderful and diverse variety of wreaths, bouquets, and baskets to help point out your compassion for the family. If you are thinking about sending sympathy flowers to a family who have a loved one here, you can send funeral bouquets to Lowe Funeral Home now.

Community answers

Contact them today using the details provided previously mentioned. This is the fee for the services the funeral home will provide during a visitation or viewing. This is generally required if you would like to hold a viewing and visitation at the funeral home or if you will be needing any assistance from the staff.

We take a vested in concern in the lives of the families who come to us for assistance, and we are dedicated to doing all we can to help you through this ... Reger Funeral Chapel, Huntignton; burial at Warrick Cemetery, Lincoln County. VERNON THEORDORE BAKER, 92, of Huntington, died Saturday in Atlanta, Ga.

To order flowers, we encourage you to call the florist directly. This is the fee for the funeral home to come pick up your loved one and bring him/her to the funeral home for preparation. This Ever Loved listing has not been claimed by an employee of the funeral home yet. Prepare a personalized obituary for someone you loved..

Every life is unique, and every service should be as well. We invite you to learn more about our services. Please reach out to ourselves should you require any further explanations.

Most funeral homes in the state

At Walters Funeral Home Chapel with Rev. Chris Allen officiating. The family will receive friends from 6 to 8 P.M. At Beeler Cemetery for Graveside Services and Interment.

This is the cost to purchase a casket from the funeral home. You may choose to purchase a casket online or elsewhere, if you'd wish. Have flowers from a local florist delivered to an upcoming service. Grief is a journey that is not meant to be traveled alone. The information we provide can help others find hope and healing. Make decisions now that give you and your family peace of mind.

Lowe Funeral Home Obituaries

Table of Content

• The quality, not the longevity,of one’s life is what is important.
• Services offered by Lowe Funeral Home
• About Lowe Funeral Home
• Obituaries of Lowe Funeral Home

This is the fee for the services the funeral home will provide during a graveside service. This is generally required if you will be needing any assistance from the staff for the service. To order memorial trees or send flowers to the family in memory of Nola "Leada" Lowe, please visit our flower store.

Additionally, we never felt pressured in any way. We can wholeheartedly recommend Lowe Funeral Home for your funeral needs. This is the fee for the services the funeral home will provide during a funeral or memorial service. This is generally required if you would like to hold the service at the funeral home or if you will be needing any assistance from the staff for the service. The florists near Lowe Funeral Home have a wonderful and diverse variety of wreaths, bouquets, and baskets to help point out your compassion for the family. If you are thinking about sending sympathy flowers to a family who have a loved one here, you can send funeral bouquets to Lowe Funeral Home now.

The quality, not the longevity,of one’s life is what is important.

On behalf of our entire family, we would like to say thank you for the wonderful funeral service you provided for our brother. From the initial planning meeting, casket selection, visitation, and Rosary to the Mass and burial in Tyler everything went so smoothly. There was a great combination of attention to detail and sincere kindness throughout the process.

To order flowers, we encourage you to call the florist directly. This is the fee for the funeral home to come pick up your loved one and bring him/her to the funeral home for preparation. This Ever Loved listing has not been claimed by an employee of the funeral home yet. Prepare a personalized obituary for someone you loved..

Services offered by Lowe Funeral Home

This is a common price to purchase funeral flowers. You may purchase flowers through the funeral home or separately, if you wish. This is the cost to purchase a burial vault from the funeral home. A burial vault is required for most cemeteries, but you may choose to purchase one online or elsewhere, if you'd wish.

They took care of everything and made sure it was exactly what I wanted . Ever Loved's funeral marketplace makes it easy to purchase caskets, urns and more directly from independent sellers at great prices. This is the fee to purchase printed funeral programs. You may purchase programs through the funeral home or elsewhere, if you wish.

About Lowe Funeral Home

Online condolences for Mrs. Lowe may be made at Walters Funeral Home of LaFollette is honored to be serving the family of Mrs. Nola “Leada”Lowe. Due to the inclement weather, our annual memorial service has been canceled. You may pick your ornaments up anytime from December 10th until the end of the year. FloristOne offers same day delivery from local florists. — Heather and all of the people there were very nice and treated me like I was a family member. They made this time in my life so much easier.

Learn how pre-planning can provide your family with peace of mind and allow you to design a unique and meaningful service. Lowe-Gardner is the area choice provider for Cremation and Funeral Services. The Gardner Family and Staff Live, Work, and Worship, in the community we serve. We are honored to help our friends and neighbors in Northeast Texas.

If you've experienced a loss, or are planning in advance, we are here for your each step of the way. Planning a funeral is an emotional and sometimes overwhelming thing and having the right information can make things easier. It is our mission to serve families in their time of need and welcome any questions you have. They go above and beyond to take care of all the hard stuff. When my brain was in a fog they helped me make decisions and guide me during a very difficult time.

This is the cost to purchase a casket from the funeral home. You may choose to purchase a casket online or elsewhere, if you'd wish. Have flowers from a local florist delivered to an upcoming service. Grief is a journey that is not meant to be traveled alone. The information we provide can help others find hope and healing. Make decisions now that give you and your family peace of mind.

Ever Loved Recommends

To receive an accurate and complete quote, without obligation, please contact our staff directly. We would be happy to assist you and your family. This is the fee to transport your loved one from the funeral home to funeral events in a hearse. We are pleased to meet with you in our office, at your home, or any place comfortable for you.

Every life is unique, and every service should be as well. We invite you to learn more about our services. Please reach out to ourselves should you require any further explanations.

We take a vested in concern in the lives of the families who come to us for assistance, and we are dedicated to doing all we can to help you through this ... Reger Funeral Chapel, Huntignton; burial at Warrick Cemetery, Lincoln County. VERNON THEORDORE BAKER, 92, of Huntington, died Saturday in Atlanta, Ga.

Does Homeowners Insurance Cover AC Units? APOLLO Insurance

Table of Content

• Ensure That Your HVAC Is Working Properly
• Does Homeowners Insurance Cover Smoke Damage?
• So, When Does Homeowners Insurance Cover Central Air Units?
• Find Insurance By State
• When do insurance companies not cover air conditioning units?

This is considered neglect and isn’t covered under homeowners insurance policies. For this reason, it’s vital to stay on top of HVAC maintenance as a homeowner. Now, if that AC-generated water seeps into your home and damages wall and floor, that will be dubbed as maintenance glitch on your part. So, naturally, in such situations, your home insurance policy won’t take care of the repair bills. Homeowners insurance policies don't cover AC malfunctions caused by lack of maintenance, general wear and tear or accidents. An air conditioner that fails after 10 years of use or is dented by an errant baseball during a backyard game of catch won't be covered by your home insurance.

Home insurance may cover air conditioner replacement if the damage necessitating a new AC system was caused by a covered peril. If your system breaks down due to expected wear and tear, your provider won’t pay for a new one. Below, we’ll take a look at when air conditioner repairs and replacements are covered by your insurance. We’ll also go over when water damage from your air conditioner to your house is covered by your policy.

Ensure That Your HVAC Is Working Properly

Do not rush to call up your insurer the moment you encounter a damaged AC. First, you will survey, check the causes and then make an estimate of repair costs. Then, if the damage is eligible for home insurance coverage- compare the repair costs with the estimated repair amount from the insurer.

The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice. And, in some cases, it can cover some of the costs to upgrade to a more energy-efficient or environmentally friendly appliance. To help when something goes wrong, not when something stops working when it reaches the end of its expected life.

Does Homeowners Insurance Cover Smoke Damage?

It may also be a good idea to look into home warranty plans, which offer coverage that insurance won't. A standard policy should provide coverage for many of the common causes that could affect an air conditioner. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers.

Direct strike on the AC may lead to fire accidents, ruining the different electrical components inside the device. If you ever find yourself in such a mishap, make sure to inform your home insurer. The company will reimburse the repair bills that you incurred while fixing the destroyed electrical stuff. So, when will you be able to claim coverage from your home insurance company if your AC unit is damaged? According to experts, there are 3 main cases where you can ask for coverage from your insurer for your damaged or broken air conditioner.

So, When Does Homeowners Insurance Cover Central Air Units?

Home insurance covers AC units and heat pumps in a similar way that the rest of your home is covered. Damage caused by fires, falling trees, vandalism and lightning strikes are all covered in standard homeowners policies. Lightning strikes and fire If a fire destroyed your AC unit, your homeowner’s insurance policy would cover AC repair or replacement. Your home insurance policy would also pay for replacement if lightning were to strike your AC unit and damage the electrical components. As a part of the home’s structure, the insurance company covers the central HVAC unit on an open peril, or all-risks, basis. This means unless the policy specifically excludes the peril, like earthquakes, flooding, and normal wear and tear, the policy will cover the damage.

On average, homeowners insurance costs $175 per month, but that amount can vary depending on your belongings. You can use MoneyGeek’s personal property calculator to estimate how much coverage you need. Although your homeowners insurance covers your AC unit, you should protect it as much as possible from getting damaged. Whether you have a centralized or standalone model, your AC will have components located inside and outside your home.

Home warranties can be a valuable supplement to a homeowners insurance policy by providing financial compensation for items that deteriorate over time. Home warranty claims are typically only denied because of owner neglect, improper servicing or installation or because the damage is covered by a homeowners insurance policy. If you fail to properly maintain your HVAC system and it breaks down, you may not be covered.

Additionally, a home warranty will not typically cover unexpected events like lightning. But if a component or even your entire unit needs to be repaired or replaced due to wear and tear, home warranties are designed to cover the expense. In many areas of the country, a working HVAC system is an essential system for comfort and quality of living. Insurance covers problems with an air conditioner only if they are caused by a covered peril. For example, an insurer might pay to replace an AC unit damaged by fire or a falling tree.

Find Insurance By State

Home insurance companies generally provide coverage to damages on home caused by falling trees. So, if a big falling branch has shattered your AC unit, you can certainly ask for reimbursement from your insurer. Mechanical breakdown coverage can financially safeguard your AC if it stops working due to improper installation, or if it fails after a power surge.

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts. This will protect your unit from malfunctioning while ensuring it runs efficiently. Ask a professional how often AC units should be serviced in your area. Take photos of the HVAC damage and any damage caused to your home or belongings.

When do insurance companies not cover air conditioning units?

These are not perils; instead, they are expected occurrences over time. No object lasts forever, and periodic replacement of parts and the eventual replacement of the entire appliance or structure eventually occurs. Central air conditioners are covered as part of the main structure, while window units count as personal property. Your AC unit is not covered if it malfunctioned due to normal wear and tear, maintenance issues or mechanical breakdown from improper installation. If the insurer can prove your negligence caused the damages, your claim will be denied. Additionally, damages from earthquakes and floods are usually not covered by a standard homeowners insurance policy.

Home warranties, also called home repair insurance, cover the cost to repair your home's systems and appliances, including your air conditioner, for a set fee. And damages its electrical components, your home insurance policy will pay to replace it. Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. If either of these caused your AC’s demise, you can submit a claim to your insurance company for coverage. However, if the damage wasn’t due to either of these, you likely cannot submit a claim.

Does insurance cover condensation damage?

If your air conditioning will cost $400 to repair and you have a $1,000 deductible, it's not worth making a claim. Also, filing a claim might lead to a rate increase when you go to renew your policy. So if you're only getting a small amount after the deductible, it might not be worth the potential rate increase. Home insurance will usually cover window AC units for fire, vandalism, theft and other problems covered by the policy. As with central AC units, window units aren't covered for wear and tear, floods, earthquakes and other policy exclusions. Window units are also usually covered for theft, just like other possessions such as furniture.

Never overpay for car insurance Jerry automatically shops for your insurance before every renewal. Ife without air conditioning for homeowners in southern states seems like an impossibility. Steamy springs and scorching summers quickly take a toll on even the bravest souls. So, when your air conditioner breaks down, you’ll probably be looking for relief as quickly as you can. Be specific and provide details about what damage occurred and what you believe caused the damage when you file the claim.

Does Home Insurance Cover AC Units & How To File A Claim For It?

Table of Content

• Filing an HVAC Claim With Your Insurance Company
• When Will You Not Get The Coverage?
• Is My Heating & AC covered by Homeowners Insurance?
• When isn't your AC covered by a homeowners insurance policy?
• Types of insurance

Additionally, a home warranty will not typically cover unexpected events like lightning. But if a component or even your entire unit needs to be repaired or replaced due to wear and tear, home warranties are designed to cover the expense. In many areas of the country, a working HVAC system is an essential system for comfort and quality of living. Insurance covers problems with an air conditioner only if they are caused by a covered peril. For example, an insurer might pay to replace an AC unit damaged by fire or a falling tree.

Before filing a claim with your insurance company, review your policy to understand the coverage that applies to your HVAC system. If you’re not happy with the amount of coverage you currently have, it’s essential to compare quotes until you find a provider you’re satisfied with. By shopping around, you may even be able to lower your insurance rates.

Filing an HVAC Claim With Your Insurance Company

Not only does it make things uncomfortable, but it may also incur hefty repair bill. A lot of homeowners are not sure whether or not theirhome insurance policycovers air conditioners. Well, home insurance does cover air conditioners but only if the damage is caused by “covered perils” listed in the policy. On the other hand, you can’t expect your insurer to pay for AC repair bills if the damage is the outcome of a lack of maintenance.

Include photos of the serial number, model, and other identifying information. Freezing of a central AC system, as long as you've had the heat on in your home and kept your AC unit drained of excess water. Keep reading to learn more about the basics of homeowner insurance and how HVAC factors in. Ensure you have a copy of the police report in the event of vandalism or theft of your unit. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.

When Will You Not Get The Coverage?

Do not rush to call up your insurer the moment you encounter a damaged AC. First, you will survey, check the causes and then make an estimate of repair costs. Then, if the damage is eligible for home insurance coverage- compare the repair costs with the estimated repair amount from the insurer.

Home warranties, also called home repair insurance, cover the cost to repair your home's systems and appliances, including your air conditioner, for a set fee. And damages its electrical components, your home insurance policy will pay to replace it. Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. If either of these caused your AC’s demise, you can submit a claim to your insurance company for coverage. However, if the damage wasn’t due to either of these, you likely cannot submit a claim.

Is My Heating & AC covered by Homeowners Insurance?

JERRY INSURANCE AGENCY is a licensed insurance agency in 50 states. Regularly look out for damaged branches on nearby trees and cut them so they don’t fall onto your AC unit. AC unit caused a fire in your home, that would likely be covered, too. Start the claim with your insurance company over the phone, online, in person, or through the mobile app. House fires, fallen trees and other problems covered by the policy. The Ascent is a Motley Fool service that rates and reviews essential products for your everyday money matters.

Theft of an AC unit is quite rare, however if your unit got damaged due to vandalism, it may be covered by your home insurance. If your unit is stolen or vandalized, your may need to file a police report first before you file an insurance claim. Bankrate.com is an independent, advertising-supported publisher and comparison service.

Compare home insurance rates

Usually, when an AC unit leaks, it is not because of a covered peril. Instead, it occurs because of wear and tear or an issue with the internal components of the unit. In this case, a home insurer would not pay for repairs or replacement. Homeowners insurance policies typically do not cover damage resulting from wear and tear or resulting from neglect. For example, if an air conditioner wears out because it has reached the end of its normal shelf life, repairs or replacement would not be covered.

Thankfully, those who live in floodplains or near fault lines can purchase supplemental policies that cover flood or earthquake damage. If your air conditioner stops blowing cold because of a part malfunction, your policy provides no coverage for its replacement. However, your home insurance company will replace or repair it if the air conditioner is damaged by a covered peril, such as a storm or fire. This means if an air conditioner is harmed by flood waters, it would not be covered.

When isn't your AC covered by a homeowners insurance policy?

For consumers in Ontario, please review the RIBO Conduct Fact Sheet and the RIBO Conduct Guidance document. While home insurance policies include a wide range of perils and disasters, there are some that are unfortunately not covered. The cost of a home warranty varies considerably depending on your coverage level and the warranty provider. The average cost is $600 per year, but can range from $265 to over $1,400 annually. You should also expect to pay a service fee, or deductible, ranging from $55 to $150 per service call. Here are some add-ons that may provide extra coverage to maximize the chances the insurer will pay for a broken AC unit.

If your air conditioning will cost $400 to repair and you have a $1,000 deductible, it's not worth making a claim. Also, filing a claim might lead to a rate increase when you go to renew your policy. So if you're only getting a small amount after the deductible, it might not be worth the potential rate increase. Home insurance will usually cover window AC units for fire, vandalism, theft and other problems covered by the policy. As with central AC units, window units aren't covered for wear and tear, floods, earthquakes and other policy exclusions. Window units are also usually covered for theft, just like other possessions such as furniture.

Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate.