As of May 1, 2013, basic title insurance premiums in Texas will be adjusted by 3.8%. This is the first time title insurance rates in Texas have been raised in over 20 years, the last increase being in 1991. During those intervening years, title insurance rates have actually decreased by almost 20%. Title insurance rates in Texas are set by the Commissioner of Insurance as part of a thorough evidentiary based public meeting and hearing process. Extensive statistical data is gathered from title insurance underwriters and agents on an annual basis, including expense and income figures as well as data on claims losses. This data is used to establish a rate that allows for a reasonable rate of return and is fair to the consumer. Both the Office of Public Insurance Counsel and the Texas Department of Insurance staff testified at the hearing that this adjustment was reasonable and was supported by the evidence.
Unless you have been living on Mars for a good while, you’ve probably heard of “Feng Shui.” But do you know what it’s about? Feng Shui is basically a method for decorating, based on long-established Chinese principles, in which everything flows in a harmonious way to create a more naturally pleasing setting. You can use these basic guidelines of Feng Shui to get your start on your own Feng Shui project.
This is done to “lighten the load” of the material possessions in your environment and it is an important part of the process. Throw away the things that you do not need to keep in your home. Then when you do, you will automatically feel relieved and lighter.
Take steps to let the fresh air flow in to create a positive flow of energy. You can also get living plants that help purify the air or get a air purifier. Make sure the curtains are open to let the sunlight come in, too.
Some of the elements of Feng Shui are water and wood and they each have a certain place in the space. For example if you want to be prosperous, put water and wood in the southeast part. The best position for each person is individualized, based on the person’s individual factors mentioned in the next few points below.
Ba Gua refers to evaluating and optimizing the arrangement of your home using the Feng Shui compass. The word refers to eight diagrams which have specified references and are used to orient elements of the room for the best benefit to those who enter into the space. You can learn about it in numerous books or online sources, and it to be a fascinating topic. By relating to the traditional Ba Gua, you can see how the various parts of your home are related to different areas of your life and what you experience.
Your personal Birth Element is something you can discover with a little research after reading this short article. It requires an individual analysis, which you can get done with any number of easily available published sources. For example, if you have water as your Birth Element you will want to use mirrors and shades of blue, a fountain in a garden or entryway to decorate.
Use your Kua Number, which determines which direction to position yourself in the room where you spend the most time for better tranquility. It will also tell you where you should place desk or favorite chair so you’re always facing your best direction.
Pay special attention to the living room, bedroom and the kitchen to make sure the arrangement of each contribute to your comfort and prosperity. These three most important living spaces constitute the Feng Shui triangle.
Whether you believe the benefits of Feng Shui are genuine or imaginary, there are many who over the years have used this method as a way to make themselves feel better. After all, the essential first big step of getting the clutter out is important whether you use Feng Shui or not, and then it doesn’t require much more effort to try the different Feng Shui decorating techniques to see how they affect your well-being.
Article made available courtesy of your Lafayette Colorado experts of Automated Homefinder.
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