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If you want the best possible mortgage loan, youll need a good credit score.

Try increasing your score with these simple steps:

Pay all your bills on time. Late or missed payments can impact your score for years.

Pay off debt and keep credit card balances low to improve your credit utilization ratio.

Dont close unused credit cards, so long as theyre not costing you annual fees.

To avoid too many damaging hard inquiries on your credit report, dont apply for new credit unless you need it.

Check your credit reports at all three major bureaus – TransUnion, Equifax and Experian – and dispute inaccuracies that could drag your score down.

And remember boosting your score requires time and discipline.

Published with permission from RISMedia.

We all rely on appliances to make home life convenient and comfortable, but many of us make mistakes that cause appliances to break down or wear out faster than they should. These are some of the most common blunders:

Washing Machine
If you have a mountain of laundry, it can be tempting to stuff as much as you can into the washing machine. Overloading a washer can damage the suspension and coils and may also damage clothes.

If items such as coins and zippers rattle around inside the washer, they can cause damage. Check pockets before putting clothes in the washer, and zip up any zippers so they dont damage the machine.

If you start a load of laundry and then forget to put it in the dryer when the cycle finishes, your clothes can get moldy. In addition to causing an unpleasant odor, mold can spread and damage the electronic components of the washer

Hair, lint and dirt can accumulate inside a washing machine and clog the motor, which can prevent the washer from agitating and getting clothes clean. The washer needs to be cleaned periodically to remove any accumulated waste that could cause damage.

Refrigerator
The compressor in a refrigerator is usually located in the back. If it isnt cleaned regularly and gets covered in dust, itll be unable to provide the condenser coils with enough air, which means the refrigerator will be unable to cool.

Overfilling your fridge can lead to problems. Blocking the air vents in the back of the refrigerator can prevent it from cooling food adequately and can cause the condenser coils to overheat.

Leaving the refrigerator door open unnecessarily can cause it to adjust to the outside temperature. That can cause strain and make the refrigerator less efficient.

Oven
An oven is designed to cook food, but homeowners sometimes run into problems when they use the appliance in a way that wasnt intended. Using an oven to heat a house can damage the internal components.

Keeping the oven clean can keep it working efficiently. Failing to clean up spilled food can cause damage to electronic parts and make the oven struggle to cook food.

Dishwasher
A dishwasher can help you avoid expending a lot of time and energy to scrub dishes. When it comes to particularly dirty dishes, some people think they should use extra dishwasher detergent. The truth is that too many suds can damage electronic components. The normal amount of dishwasher detergent should work fine.

Avoid Unnecessary Bills
Broken or worn-out appliances can be expensive to repair or replace. Appliances often become damaged by common mistakes. If youve been making any of these blunders, change your habits and use your appliances the way they were intended so theyll last as long as possible.

Published with permission from RISMedia.

Published with permission from RISMedia.

Smart home technology is improving life for everyone, even your furry little friends. These days, there are tons of products available for pets who live in the lap of luxury, from smart feeders that automatically dispense food to treadmills designed for felines.

For those who like to spoil their dogs and cats, heres the latest and greatest pet technology to bring into your home!

iFetch Too

For some dogs, a quick game of fetch is never enough. If this sounds familiar, then the iFetch might just be for you. This automatic ball launcher will have your pooch running around all day long with up to 300 throws per battery charge. Various distance settings that range from 10 to 40 feet allow you to set it up inside or out, so your dog can chase tennis balls to its hearts content even when youre not home. And for the ones who love digging holes, the iDig is also worth checking out!

Little Cat

Is your feline enjoying the cat nip a bit too much? For cats that could afford to lose a few pounds, the Little Cat from PetDing is the perfect solution. Essentially a large hamster wheel with a built-in LED light that cats love to chase after, its like an exercise program designed to get your little fur ball off the couch. Available in four different colors, itll look great in any house or apartment.

Petcube Bites

There are lots of pet cameras available for those who suffer a little separation anxiety during the day, but the Petcube Bites does more than just let you check in on them. The two-way speaker allows your cat or dog to hear the comfort of your voice when youre away and you can even reward good behavior with the built-in treat dispenser.

Wagz Smart Door

Nobody wants an unwelcomed visitor coming through the doggy door. Now you can keep out any surprises with the Wagz Smart Door that uses a unique ID tag in the collar that only opens the door for your pets. You can even control when theyre allowed to go outside and use the live HD video camera to monitor any motion around the door.

Published with permission from RISMedia.

Heres how to elegantly illuminate your property after dusk.

Create Evening Curb Appeal

Sconces around the front door or a driveway lamp post add significant curb appeal.

Illuminate your Landscaping

Spotlight your garden and other plantings around your property to show them off at all hours.

Light Up the Walkways

Soft and subtle lighting is good for walkways because it looks great while adding safety.

Highlight Architectural Details

Illuminate the exterior of your home to highlight your favorite architectural elements.

High-Tech Control

A cutting-edge smart system will allow you to control your outdoor lights via your phone.

Extra Security

Outdoor lights with motion sensors give you extra peace of mind at night.

Published with permission from RISMedia.